Lydia

Githurai Progressive, Kenya

100% repaid

Entrepreneur

Name

Lydia

Member since

April 2013

On-time repayments

30 installments  •  23%

About Me

I am young single mother with 2 children and have completed secondary education . I live with my 2 children at Githurai Progressive and operate small beauty shop.

My children are in a nearby primary school hence they perform well in their academics and one of them will be sitting for the national primary education at the end of this year to join secondary schools as from 2014.

My beauty shop involves selling of various beauty products hence it's in demand because I am the only one offering the services in the community hence our estate is developing thus increase in population which translates to more customers. I also have a beauty service shop which involves offering hair services to the local residents.

The total earning from the two business, I use for upkeep and savings to facilitate expansion of my business and open a franchise also saving for my children secondary school fees.

My Business

My business is located in Githurai Progressive which is developing hence high demand for products & services due to increase in population.
My business involves selling various beauty products hence demand is high as women like keeping themselves neat & beautiful by purchasing new goods thus for me able to make high sales.

I intend to empower a young woman through hiring her if given a loan to expand my business.

My average monthly sales is Kshs 65000 and average monthly expenses is Kshs 37000 hence average monthly profit is Kshs 28000.

Loan Proposal

The loan from Zidisha will assist me to expand my business through purchasing women face lotion worth Kshs 3000, women hair products worth Kshs 2000 and women body lotion worth Kshs 2000. This will assist me to boost my business hence meeting the growing demand of the customers thus will also be in position to pay the hired lady as the sales will be sustainable.

I kindly request you to consider contributing towards my loan to enable me expand my business thus hiring one young lady from the community and meeting the needs of my children.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$97.00

Date disbursed

May 21, 2013

Repayment status

On Time

Projected term

10 months

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Ask Lydia a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

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  • Shealady    Jan 23, 2015

    Happy New Year Lydia...I am sorry your daughter did not get awarded to her scholarship money, because of corrupt situations, although she must be very smart to get awarded this. I just wanted to send you my well wishes for a prosperous new year for you and your family. Blessings my friend.......Shealady (Lorey)

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  • Lydia    May 15, 2014

    Hi lenders, am sorry for the delaying in paying the loan installment but it is because this month my child was going back to school for second semester and so I used most of my savings to pay the fee and buy her some school supply. I wish to request all lenders to be patient till next month is when I will start to repay but my businesses are doing good. Am grateful to you because through your funding, am in position to pay school fees to my children.

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  • Lydia    Feb 15, 2014

    Hi Lenders,

    Am grateful for supporting my business with loan because I am in position to meet my customers demand hence my income has drastically improved. My daughter performed excellent in her national primary examinations hence she has joined a national secondary school but the school fees is high thus all my savings have been channeled to the fees hence I will not be in position to pay in time during February 2014 but I will pay a week later as I work out on my business. Sorry for inconvenience and please understand my situation but I will ensure to repay in time the rest of the loan. My daughter had been selected for scholarship but due to corruption in our country she was not awarded thus stabilizing my plan.

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  • Shealady    Nov 14, 2013

    Hi Lydia, just checking in to see how you are doing, I hope business is going well and you are prospering. Best wishes to you.
    Lorey Brown

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    • Lydia    Dec 14, 2013

      Hi Shealady,

      Thanks for checking on me and my business is doing good and now capitalizing on the christmas festivity. Greet all your family members

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  • Lydia    Oct 15, 2013

    Dear Zidisha Lenders,

    I am very grateful for the support towards my loan and I will use it effectively to expand my new franchise and I will keep you posted and I also ensure to repay the loan on time. Thanks and God bless you all

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  • Lydia    Oct 12, 2013

    Dear Zidisha Lenders,

    I take this opportunity to thank all Zidisha lenders who have contributed towards my loan hence I kindly request others to consider contributing towards my loan so that I can use it to expand my new franchise. I will keep you updated because you will be a shareholder to my business and I will ensure to repay the loan on time. I will upload my trustworthy by ensuring the above things that I have stated are done because I am relying on Zidisha to become self reliant and independent and successful.

    I kindly request other Zidisha lenders to consider supporting my loan and I will not disappoint them.

    Have a blessed and enjoyable weekend.

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  • Shealady    Oct 9, 2013

    Hello Lydia
    I wish you all the best, you are a inspiration to others who work hard. I know you will prosper in your business and I am glad to help fund your loan. Sending much positive energy to you!!!
    Lorey Brown Halifax Nova Scotia Canada

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    • Lydia    Oct 12, 2013

      Dear Sheelady,

      Thanks for contributing towards my loan hence you are now shareholder to my business and I will keep you posted on the progress of the business and ensure to repay your loan on time. I will work hard and smart to ensure my new franchise expands thus creating employment to more people hence becoming successfully hence my family will be able to live happily. Thanks and God bless you.

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  • Lydia    Oct 7, 2013

    Dear Zidisha Members,

    Thanks to all who have contributed towards my loan hence I kindly request others to contribute thus facilitating supporting the new business franchise. I will ensure to repay loan on time and also keep you updated on the progress of the business.

    Thanks all and God bless you all.

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  • Lydia    Oct 6, 2013

    Dear Zidisha Lenders,

    My beauty business is grown as a result of the Zidisha loan, moral support from the Zidisha members, working hard and excellent customer care skills thus enabling me to generate more profits thus expanding the business and repaying the Zidisha loan. I am able to meet the cost of my family hence also improved their standard. I have been also saving hence I am in the process of establishing a franchise of my business in another community thus I will use my little savings and also I request Zidisha Lenders to contribute towards my loan. I will use profits from my first business to repay the loan to avoid exerting pressure on the new business. Kindly consider investing in my business.

    Have a blessed and enjoyable week.

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  • Lydia    Oct 3, 2013

    Dear Zidisha Lenders,

    Am grateful for entrusting me with the first loan hence I kindly request you to consider entrusting me with the second loan so that I can expand my business. I will keep you posted on the progress of the business and also look forward to receive advice from you. I will ensure to repay the loan on time and if my business picks up well then I will repay within a short time to ensure other people benefit from the loan. Thanks in advance and I look forward to your support.

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  • Lydia    Oct 3, 2013

    Dear Zidisha Lenders,

    Thanks to all the Zidisha Members for having entrusted me with your money hence it has assisted me to expand my business and now I have been saving as I repay the loan and now I want to open another franchise in adjacent community because my business has built the name and once in a while I have been offering mobile beauty services but now it has come to establish a business in the community. I will not rely on the new franchise to repay the loan but it will come from the old business as I give time to the new franchise to grow. I want to establish an empire in beauty industry and also create employment for the local young people and above all give good education to my children.

    Thanks all who entrusted me with their cash

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  • Lydia    Sep 27, 2013

    Dear Zidisha Members,

    Thanks all who have supported me through contributing towards my loan because I have expanded my business and now want to open another outlet in the adjacent community. I am planning to repay the balance before the end of October 2013. I am requesting you in advance to consider advancing the next loan to me because I want to stock my new franchise. Thanks and God bless you all.

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  • Lydia    Sep 14, 2013

    Dear Zidisha Members,

    Thanks all who contributed towards my loan because my business is doing well and have increased my profit and able to sustain my family and repay the loan. I have been requested to offer some beauty services at an upcoming weeding function hence I will be in position to repay the loan as from next week. I intend to open another franchise of the business in another community as from next month in preparation for christmas festival.
    Thanks all and God bless you and I will work hard to ensure the loan is repaid on time

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  • Lydia    Jul 4, 2013

    Hi,

    Thanks to all who have contributed towards my loan because I managed to purchase many beauty products and now my business is doing good. At the end of the month I was hired by an organization to offer the beauty services using the materials that I purchased. Currently my client base has increased because I have a lot of materials thus able to serve my clients and am very grateful to zidisha because it has assisted me to acquire loan to purchase all that the business requires. I have split the profit whereby part I have used to repay the loan while the rest will be reinvested into the business.

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  • Lydia    Jun 21, 2013

    Hi,

    Thanks to all who contributed towards my loan because I managed to purchase many beauty products and now my business is doing good. It's exactly one month and after calculating my profits hard increased thus am paying Kshs 2900 for the loan while the rest will go to my savings. I look forward to expand my business and have various products and also open many franchises in various towns in Kenya and through this my children will have a better future. Thanks all

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  • Namaste250    May 20, 2013

    Hey Lydia,
    Some borrowers I send the money and never think about them again. You are not one of them. I even had an idea for the beauty shop. You know best of course and you do not have to be polite about my crazy ideas. If you gave facials you would stand out from the competition, add another profit opportunity and it has a low start up cost. You would need a curtain, thicker cream, very clean towels, hot water, cold water, small amount of sand, smudges (I like sage, mjujai). And someplace for a woman to lie down. I would be glad to get you the instructions and support if you are interested. Every woman loves a facial.

    Here are some pictures of my single-mother daughter and my wonderful grandson.

    Take good care of yourself and your children, Ann (namaste250)

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    • Lydia    May 22, 2013

      Dear Ann,

      Thanks for responding to my email hence I will try the idea then update you.

      best regards

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      • Namaste250    May 22, 2013

        Wow Lydia,

        How exciting. I can't wait to see if it's successful. You'll have a full-service spa before you know it. I think that especially during the rain, women will value pampering.

        Ann (namaste250)

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    • Lydia    Oct 4, 2013

      Dear Ann,

      Thanks for entrusting me with your money and also advising me regarding how to improve my beauty business hence I put some of your ideas in practice by making them local hence it is working and now I have managed to repay my first loan and now I kindly request you to consider entrusting me with your money again so that I can proceed with opening the second franchise of my business. Thanks Ann for being there for me.

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  • Lydia    May 20, 2013

    Dear Ann,

    Thanks for the encouragement and I will work hard to ensure I become success and also empower more vulnerable women in Githurai. I will keep you posted regarding my business and kindly don't forget me and my business.

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  • Namaste250    May 19, 2013

    Dear Lydia,

    I get to save my money (smile). What a delightful note you sent. Please share with your new employee your great spirit. No woman should be totally dependent on a man. It always helps a beauty business when the owner is beautiful. Women will want to take advice so that they too can look like the owner. You provide a model that is beautiful inside and out, so I am sure you will be successful.

    Best wishes for health for your children, success in your business and prosperity, Ann (namaste250)

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  • Namaste250    May 18, 2013

    Hello Lydia,

    It is my honor to share in your success. Do not worry. You will be fully funded quickly. I am so sure that you will fully funded by tomorrow, that I will make you a promise. If your loan has not been fully funded by Tuesday, I will lend whatever you need to finish the loan. We have to keep the women of githurai progressive looking beautiful.

    Best wishes,
    Ann (namaste250)

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    • Lydia    May 19, 2013

      Dear Namaste250,

      Thanks for contributing towards my loan and giving me moral support. With this loan I will ensure local women in Githurai are beautiful and also empower more local women to be self reliant and independent. I will ensure the loan is repaid on time to enable other people benefit from your contribution.
      God bless you

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  • Lydia    May 18, 2013

    Dear Lenders,

    Thanks for Jeb33red and Namaste250 for considering my request to contribute towards my loan hence I will ensure the loan is repaid on time as stated.

    I kindly request other lenders to contribute towards my loan so that I can expand my business thus being in position to hire extra person and meeting the clients demand. Thanks for considering my requests hence I will ensure to repay the loan in the specified duration thus ensuring more people benefit.

    Thanks all and God bless you.

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