286 installments • 66%
I grew up from a humble background being the last born. My primary school was about 2 kilometers where we used to walk every morning. This was so challenging based on my tender age.
My county (Kericho) is a tea zone area, therefore I grew up in such a wonderful tea zone area and I came to like it so much. I therefore developed a positive interest towards the crop and down in my heart I was longing in doing it in future.
After graduating from college, my father gave me a small portion of land to plant tea. I therefore worked on it until maturity where I started selling my tea to K.T.D.A for processing.
I have two children, a daughter and a son. They would like to be a Lawyer and Flight Engineer respectively. I do support their dream by making sure that they get quality education
Having been engaged in tea farming I realized that it can be a good source of income and thus I decided to do fully. I also do livestock farming mainly for milk production. I chose tea farming because the environment is favorable and it does well. Apart from selling the tea leaves for cash we do also have bonuses at the end of each depending on the kilograms one had delivered to the company.
From my profits I was able to buy a piece of land from my neighbor at Ksh. 600,000 and that is where I intend to relocate my family and build a permanent house. Reinvesting on tea farming has been one of my desirable dream because I am targeting 3 acre of tea plantation and from there I know I will be able to manage other emerging issues without any difficulty.
I use my salary in paying of my daughter’s fees and also paying for my own fees. I am currently pursuing Degree in Analytical Science (part-time) and I am sure completing my education will be a very important move in life.
after geting the loan facility, hoping that i will be successful, i intend to purchase more seedlings to increase on tea acreage, which will cost approximately 100us dollars. as a result of high productivity, this will demand more labour from the community hence creating employment opportunities, the living standard of the community will go up. in addition my living standard my family will go up, enabling me to educate my childrens to better schools and the rest of my extended family will benefit by geting some financial assistance whenever there is a need . i will also be willing to extend my hand financially to the needy like orphans and the less fortunates in the society.i hope that my business will grow and doubles the returns by half.
Nov 26, 2015
Cost to entrepreneur
Service fee: $10.01
Upon joining Zidisha, Joseph paid a lifetime membership fee of $8.73.
Joseph opted to pay $117.86 into the Zidisha Members Loan Fund in return for a higher starting credit limit.