Zidisha |

Joseph

Gilgil, Kenya

100% repaid

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How it Works

Entrepreneur

Name

Joseph

Member since

May 2013

On-time repayments

211 installments • 50%

About Me

My name is Joseph gathogo wanjiru I was born in1985 at viwandani in kaptembwa in Nakuru county I joined koinange primary school and later lanet sec ondary school for my secondary education. After school I tarmacked for 2 years before i got employment this was because my parents could not afford to take to a college.however i was later employed by various employers for many years until 2011 when I decided to start self employment. With my little savings I started a cooking Gas outlet in Gilgil town. I look forward to grow my business with zidisha platform.

My Business

My business is specialized in selling cooking gas which is usually sold in cylinders here in Kenya. I started this kind of business after I realized there is great demand for this commodity in the urban town of gilgil. I normally collect my gas from big distributors who are located as far as the city of Nairobi who also arrange for the transport to my place this makes my commodity cheaper than those of my competitors hence giving a better bargain to my customers. The proceeds I get from my business are well sustainable because I am able to pay for my house rent, government taxes and salaries to my 2 workers. I am also able to meet the up keep to my immediate family I was also able to purchase a plot where I am planning to build my own house. The only challenge I face is luck enough capital to stock a lot of Gas to meet the demand. With zidisha platform such challenges will be a thing of the past.

Loan Proposal

Thank you all my lenders. my first loan was very helpful to by business i was able to increase the number of gas cylinders from different companies to meet my customers demand. this second loan , i will also stock gas in small cylinders to meet the demand of small income earners this will increase my profit and i expect to record a good growth in my business by the end of this year. God bless you all.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$112.00

Date disbursed

Sep 4, 2013

Repayment status

On Time

Projected term

24 months

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Joseph Oct 5, 2017

Thanks again to you all my lenders for accepting to fill my bid in time. As I explain earlier I will spend the entire USD 200 to restock my gas out let with 3kilogramme cylinders which is very popular among my customers. This will guarantee me of staying afloat during this time of economic hardship here in Kenya after the election I hope things will get back to normal and it will be business as usual. God bless you all.

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Joseph Sep 21, 2017

I take this opportunity to thank all my lenders for your continued co-opertion and support, before joining zidisha I was operating on very little capital which could sustain my business but today I enjoy the benefit and previlages of being a member to this platform. My business is doing well and I have been able to grow it from a small micro- enterprise to a middle income one, this would not have been possible without your support. Indeed you have never failed to fund my bids in time. Once again Thanks to you all.

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Joseph Oct 11, 2016

i am currently experiencing low business turn over due to low cooking gas supplies from major oil companies here in Kenya, however, when the supply resumes to normal i will still adjust my payments upwards.

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- Franmiguel Oct 17, 2016
  
  Hi Joseph,
  Thanks for taking the time to let us know.
  All the best
  Michael.
  
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Joseph Jul 19, 2016

Thank you all my lenders for accepting to fund my loan. i now stand an opportunity to increase my stock of cooking gas cylinders in my outlet this will definitely give business as i had projected. i will spend US$80 in refilling the empty cylinders the remaining US$110 will go to purchasing 6kg cylinders which is very popular among the middle income earners. Thank you very Much, May our Almighty God Bless You ALL.

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Joseph Jul 18, 2016

thanks to you all my lenders for your continued support my business is currently doing good because of your generous lending something that makes very proud of you people, when i started my business a couple of years ago i was operating on a very thin line yet today i am able to operate on large scale, selling my gas to a lager clientele this has made me to improve my livelihood to a better position. than you very much and may God bless you all.

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Franmiguel Dec 17, 2015

Hi Joseph,
Happy Holiday Season to you.
I hope you and your business have a great 2016.
Regards
Michael

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Sunnyside May 2, 2015

Hi Joseph, I hope everything is OK! Kind regards Gill

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Franmiguel Feb 26, 2015

Hi Joseph,
Great to see that you are doing well and always repaying on time.
In fact, if I could make a recommendation...
If you are finding it easy to make the current repayments, you might want to consider rescheduling to pay the loan off early.
That way you could save interest!!!
As I am sure you know, that is always a good business outcome.
All the best
Michael.

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Franmiguel Dec 26, 2014

Hi Joseph,
Happy Holiday Season to you.
I hope you and your business have a great 2015.
Regards
Michael

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Franmiguel Dec 17, 2014

Hi Joseph,
I am wondering if you can provide an update as to how your business is going.
All the best
Michael

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Sunnyside Feb 28, 2014

You did a fantastic job of paying back your last loan - I am delighted to be able to lend to you again. I wish you every success - you deserve it :-)

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Sunnyside Nov 19, 2013

Hi Joseph, you are doing very well paying back your loan. How is your business? Did your idea of small cylinders work? I hope your business continues to grow and I wish you every success. Gill

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Joseph Aug 30, 2013

Thanks to you all my lenders for accepting to contribute towards filling my bids. i now have a chance to introduce small quantities of gas in small cylinders. by doing this i will be targeting small income earners who are the majority and ready to give me a booming business in this time of high inflation. i expect to record a good growth in my business before the end of this year. thank you all and may God bless you.

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J
jjonas Aug 20, 2013

Good luck Joseph!=)

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Namaste250 May 4, 2013

Greetings Mr. Wanjiru,

Welcome to Zidisha. It is good that you are expanding your business. Sometimes cooking gas cannot be found, at any price. Your customers will be happy. I hope that soon you will see enough profits to build a home for you and your family.

Best wishes for health for your family and continuing success in your business, Ann (namaste250)

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Joseph May 3, 2013

Dear lenders thank you so much to the entire team for joining zidisha. this is great platform to uplift people like me from poverty i will now add my stock of cooking gas in cylinders to my outlet my customers will never come to my shop and go back home with empty cylinders they will also notice some changes of increased stock in my outlet this will increase my profits and hence uplift my living standard. much blessings for stretching your kind generous hands by filling my bids.

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