The money will be used to expand my pool of clientele through online advertising mainly on facebook

Pauline Kagiri

Juja, Kenya

100% repaid



Pauline Kagiri

Member since

January 2014

On-time repayments

92 installments  •  45%

About Me

Hello. I am Pauline. I hail from a town in Kenya called Ongata Rongai. I come from a family of seven- four siblings and my mother (My father passed away when I was in High school). Currently I live in Juja town next to Jomo Kenyatta University. I have studied entrepreneurship in University and have every intention to be an entrepreneur my entire life. Therefore, I would say being an entrepreneur is my occupation.

I started a business out of intrigue for starting a venture. Since I was younger, I have always wanted to own a business and take it to great heights. Emira Concept is the first of many companies. Profits I get from Emira are partly reinvested and the rest go to my personal upkeep.

In my free time, I enjoy listening to contemporary music, attending plays at theaters, reading African literature and participating in charities- runs, donating, volunteering. I enjoy the Arts very much.

I am passionate about business and ready to work hard to achieve goals that I have set for myself.

My Business

I own a company called Emira Concept. It is my main source of income. Emira Concept deals with selling of handbags, clutch bags, purses, travel bags and many other forms of bags. Up to recently, I have been marketing my products from door-to door until I resolved to open a Face book page to expand my clientele base (Face book page is Emira Concept). So far I am very happy with the response I am receiving online and my clientele base is growing.

I understand that the fashion/clothing industry is rivaled with stiff competition but I try my best to stay ahead of the larger companies by trying to always offer a unique products that differ from the ones flooded in the market. I also try to offer as friendly as possible prices for my clients. In addition, my clientele enjoy a one on one interaction with me and I strive to always foster good relationships . I even email them photos of new stock upon request and give them text notification of new stock.

My business is profitable as I have over the months cultivated a good relationship with my clients who are recurrent and continuously buy from me. They also refer me to their friends who also show high interest in my products.
In a month I can sell from 10-25 handbags that range from about $20-$40. My returns from sales range from between $200-$550. From this, I have to subtract the initial cost of the handbags and operation costs such as transport costs for delivery and airtime for calls to clients. The expenses amount to between $80-$440 depending with the price of stock and deliveries. Therefore, in a month I can make between $110-$275. With this money, I invest up to 50% back in the company and the rest caters for personal expenses.

Any loan I receive from Zidisha will be purely used for the purpose of growing Emira Concept.

Loan Proposal

Hello. I started a company called Emira Concept that mainly sells handbags. Until recently i have been functioning through recommendations to sell them. I have now opened a face book page to expand my clientele base. Things are going well and i cannot complain. This loan will be used to pay for face book advertising as i see the need to find even more customers for my business to grow.

I have tried it with about 10$ and i have seen a positive outcome. The money will be used to pay for daily advertising mainly on weekdays. I have advertised both on a weekday and on a weekend and i have seen the response on a weekday to be higher. Even on only ten dollars of advertising i have manged to get a handful of clientele who would like to be personally notified on arrival of new stock. This has hastened the rate of my clearing stock.

Please note that all this money will be used for the sole purpose of advertising and any contribution will be highly appreciated.






Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Feb 3, 2014

Repayment status

On Time

Projected term

3 months

Cost to entrepreneur

Lender interest: $70.91 at 10.72% annual rate over 3 months = $1.90

Service fee: $0.63



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