Rehema Omar

Mtwapa, Kenya

57% repaid

Entrepreneur

Name

Rehema Omar

Member since

October 2012

On-time repayments

43 installments  •  30%

About Me

Mi nombre es Rehema Hidiam soy casada y tiengo dos hijos que están todos en la escuela .Uno en la escuela secundaria y uno en la escuela primaria , el primer nacido es Aisha y la segunda es Hadija . Actualmente me estoy haciendo pequeña empresaria en Mtwapa vendiendo pescado seco que se llama "ng,onda" en nuestro idioma africano . Y el segundo negocio vender ropa usada "mitumba" en Mtwapa por ahora. Estoy haciendo este negocio desde hace algunos años y ha estado jugando un papel importante en mi vida que ha logrado que mis hijos puedan continuar con sus estudios y así se capaz de cubrir todas mis necesidades familiares. Empecé con estos negocios porque mi nivel de educación no podía permitirme conseguir empleo en una buena empresa , así que por lo tanto, decidí ponerme en dicho negocios. Acompañada con mi negocio estoy en condiciones de satisfacer con eficacia mis necesidades familiares. Mi objetivo principal es hacer que mis hijos vayan a la mejor escuela que no ya que yo no tuve la oportunidad . Y al mismo tiempo, mejorar el estado de mi vida familiar. Con las ganancias puedo comprar comida para mi familia y también para pagar las cuotas escolares infantiles. También uso el dinero que recibo de este negocio para cuidar los dos niños de hermana.

My Business

My business is selling dried fish and omena, another one i do sell mitumba i mean used clothes from Dubai. The demand is very high in all my premises because the place where am selling the dried fish is very clean,my prices very reasonable and i do talk to my clients politely so through this i do make them keep on coming back again and again my businesses is profitable because am dealing with the local people direct with my area and most of them are not the rich ones but just the middle class earnings whom they go for reasonable down class goods like the mitumba and the fish for vegetables that's why the demand in my business is very high.the risks that am facing is during the rainy season when its raining then it becomes had to get more clients especially to my ng,onda dried fish fish because when the weather normal changes from warm to cold which can make my products rot and this is the time am going for a loss.my monthly costs revenue is 15,000kshs and monthly profit 34,000ksh so 34,000sh minus 15,000sh is 19,000sh my profit.

Loan Proposal

Thank you so much for this chance of posting a loan application for the second time,with this being my second loan. am going to expand my business more by buying lots of dried fish and in bulky from Lamu port directly this will give me more stocks of which it will make my supply to my customers easy and for those my clients whom i had been receiving less stuff from me they will now have an opportunity to receive more products because i will have more stock available to them.

Show original English  

About Me

My name is Rehema Hidiam married with two children they are all in school.one in secondary school and one in primary school,the first born she is Aisha and the second is Hadija. currently iam doing small businessmen mtwapa one am selling dried fish which is called ng,onda in our african language. and second business am selling used clothes mitumba in mtwapa for now.and i had been doing this business for some years and it has been playing a major role in my life it has managed to boost my children able to proceed on with their learning.as well able to provide all my family needs.i started these business because my education standard could not allow me to get employed in a good companies so i therefore decided to put myself into the said business.With the accompanied business am able to effectively .meet my family needs. My main objective is to make my children lgo to the best school which i did not have an opportunity. And at the same time improve my family living status. With the earnings i buy food for my family and also pay for children school fees. I also use the money i get from this business to also take care of my sisters two children.

My Business

My business is selling dried fish and omena, another one i do sell mitumba i mean used clothes from Dubai. The demand is very high in all my premises because the place where am selling the dried fish is very clean,my prices very reasonable and i do talk to my clients politely so through this i do make them keep on coming back again and again my businesses is profitable because am dealing with the local people direct with my area and most of them are not the rich ones but just the middle class earnings whom they go for reasonable down class goods like the mitumba and the fish for vegetables that's why the demand in my business is very high.the risks that am facing is during the rainy season when its raining then it becomes had to get more clients especially to my ng,onda dried fish fish because when the weather normal changes from warm to cold which can make my products rot and this is the time am going for a loss.my monthly costs revenue is 15,000kshs and monthly profit 34,000ksh so 34,000sh minus 15,000sh is 19,000sh my profit.

Loan Proposal

Thank you so much for this chance of posting a loan application for the second time,with this being my second loan. am going to expand my business more by buying lots of dried fish and in bulky from Lamu port directly this will give me more stocks of which it will make my supply to my customers easy and for those my clients whom i had been receiving less stuff from me they will now have an opportunity to receive more products because i will have more stock available to them.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,507.87

Date disbursed

Nov 23, 2013

Repayment status

Late

Projected term

36 months

Cost to entrepreneur

Lender interest: $1,507.87 at 6.81% annual rate over 36 months = $309.77

Service fee: $158.66

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