Ruth

Olive Inn, Kenya

35% repaid

Entrepreneur

Name

Ruth

Member since

August 2013

On-time repayments

72 installments  •  25%

About Me

my mane is Ruth kerubo Oyaro,25 years old,married to one responsible husband.we are blessed with one beautiful daughter.
we live at Kiamunyi near olive inn village.
by profession,i am a registered medical laboratory technologist,previously worked at a mission hospital but i resigned two years a go so that i can venture in private business owing it has more returns and to boost my income.
from the returns i make,i have managed to buy more laboratory equipment to improve on service delivery to my increasing number of clients,pay my rent and also do savings.

My Business

As i mentioned earlier,i am a registered medical laboratory technologist.i established a modern medical laboratory at Central Business District in our county headquarters.It is located at the doctors plaza building.My direct source of market are the doctors within the plaza who send patients directly to my laboratory for medical laboratory tests.Not limited to this,i also get more clients from the nearby medical clinics and hospitals owing to my record of quality standard and timely work this boosts the demand of my services.in any business the is competition and i have managed thru this by intensifying advertisement by word of mouth and posters and offering commissions and discount to my customers.averagely,i make monthly earnings of 80,000,whereby i pay 1000 per month to the municipal council,10,000 as rent per month,11,000 to my one employee,29,000 as my salary and i save 29,000.you can concur with mi that this is a good business and is profitable therefore if given the loan to use to buy more reagents and equipment ,i am able to repay it within the stipulated time.

Loan Proposal

Thankyou my dear zidisha business community for providing me with a platform to grow as an entrepreneur.
Again,thankyou for ptoviding me with another chance to post another loan.
With the profits and savings i have obtained so far,i kindly ask for another loan to help me acquire a modern biochemistry machine because with this machine i will be able to do more laboratory work ups for my clients and the requests i get directly from other hospitals.This is because they have gained confidence in my work!and they are realy profitable.
Kindly provide me with this loan and trust me your investment in me shall be rewarding.
thankyou and be blessed.
Ruth

Feedback

None

None

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Loan Info

Project Type

Classic Loan

Disbursed amount

$308.00

Date disbursed

Dec 13, 2013

Repayment status

Late

Projected term

70 months

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  • Alexandra    Sep 24, 2019

    Ruth Kerubo, Many thanks for the payments you made earlier this year. Your medical laboratory must be improving. Will you be making any more payments?

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  • Ruth    Nov 19, 2014

    halo my zidisha online community members,how is the business over thise sides of the continent?this eorld through intetnate us smalll and this has made it possible for all of us ti interract and draw giid ways tp help forward to jelp in making and nanaging out sustainable business thatbis always profitable.my business isnt bad though for some time i had closed.am now bak.

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  • Ruth    Sep 22, 2014

    hallo my great business community,how is business over those sides.how are your families too.always i thankyounfor the financial opportunity you provided to me to start or progress with my medical health business.i am doing well but the business is samhow slow coz of the season but by next month all shall be ok.

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  • Bavarian    Sep 6, 2014

    Dear Ruth, I hope you and your family are doing well. We haven't heard any news from you for a while and you are behind your repayment schedule. Please keep us informed how things are going. Regards, Bavarian

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  • Ruth    Jun 22, 2014

    hi my respectable business communitty,howz business over tgegreat seas.a good business opporrunity is that one that makes an individuak to earn a profit by somebody buying from him or her and satisfied with the product.
    thankyou for putting me in the business map coz i am doing well.
    kindly let me start making my payments as from next month.

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  • Ruth    Apr 20, 2014

    how are you doing my great business community,hoowz the easter holidays,business her isnt bad because it is is a holiday season form many.owing to this,i am concentrating more in the business.am sorry for sometym now i have have not submitted my payments but i have given some.next montrh things shall be ok

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  • Alexandra    Apr 14, 2014

    Ruth Kerubo, I am glad you were able to make renovations to your medical laboratory and create more space for your new machine. Like Cris, I am wondering when will you be submitting your first payment?

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  • CZC    Mar 23, 2014

    Ms. Kerubo,

    Could you please update us on your situation? Your loan was disbursed in Dec 2013 and we have yet to receive a repayment. You are now over 2 months ($110) in arrears.

    Thank you,
    Cris

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  • CZC    Mar 6, 2014

    Ms. Kerubo,


    How are you and your business doing? I see you rescheduled your loan on Jan 22, however, we have not received any repayments or updates since then. Can you let us know how things are going?


    Thanks,
    Cris

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  • Ruth    Jan 22, 2014

    hi my esteemed lenders,how aren you faring on?this side we are doing good though business levels or volumes are abit low.this januarry business hasnt been on its actual volumes because of the school season.not only that,i was carring some renovations at my business hall to make it look attractive and to create more space of the new machine i have acquired.therefore,kindly let me start making my reoayments next month.thankkyou.

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  • Ruth    Nov 29, 2013

    How are you doing my great and deer business community.
    my business is now picking well.
    i have been unwell for some weeks now and and this made my business to stall abit but now i am on the way to recovery.
    i waa to submit my repayment on 15th this month but i havent though i expect to fix this by next week.thanks a lot for the suport.
    yours
    ruth

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  • Ruth    Sep 14, 2013

    Hi my dear lenders.
    this is another great day for me to express my sincere gratitude for the trust you gave me by funding my business.
    indeed i am in the right business.
    my loan was processed and credited into my account quickly and in the most convenient way.
    day by day,more clients are seeking for my services,my business is really doing good,all am looking forward to is the day of submitting my first repayment.
    regards,
    Ruth

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