Esther
Nairobi, Kenya
100% repaid
Name
Esther
Member since
August 2014
On-time repayments
164 installments • 55%
My name is Esther Nyadiri Kuria, I was born on 26th may 1982 at Nakuru in nakuru county being the first born in a family of 4. I joined St Xavier’s primary school for my basic education up to standard 8.after sitting for my final exam I did well and joined Moi forces academy, a high school which is a national school. After school I joined rift valley institute for a secretarial course for two years. I was later employed by a metal factory in Nairobi as a secretary where I worked for 6 years. I decided to quit and start self employment. With my little savings I settled on a business of buying and selling carefully selected second hand clothes. I started this kind of business after i realized I could not get good money to improve my livelihood in employment. I look forward to be a zidisha member.
I relocated to the city of Nairobi in the year,2009 I ventured into business of selling carefully selected second hand clothes which is commonly known as "camera" here in Kenya, I usually wake up at 4 o’clock in the morning to go to the market of Gikomba so that I may catch up with the retailers who open up the second hand clothes bales where I select the clothes that looks like new ones and are matching the current fashion. After selecting them I take them straight for ironing to look good and nit. The ironing is usually done at fee. By 9 o’clock everyday the clothes are ready for sale. I sell my clothes from a stall located at Mfagano Street outside sunbeam supermarket. I decided this location because I target the shoppers who come to the supermarket. Nairobi is a very busy city which makes my business a thriving one. Most people prefer to buy clothes from me because they are cheaper than those of my competitors. On a good day I am able to get a turnover of USD$ 60 to 100 which gives me a profit of USD$ 40. Out of this I pay USD$ 3 to the local government as my everyday’s rent to my stall. I also spend another USD$8 for my everyday travel and food that means I am left with about USD$ 25 as my profit. This money helps me to pay my house rent which is approx USD$ 120 and a further USD$ 50 to my bills. There a number of challenges that I encounter but the major one is luck of enough capital to stock more varieties of clothes to suit the ever increasing demand. I believe with zidisha plat form I will be able to overcome the same.
Thanks so much zidisha team for allowing me in as a new member, i now have a chance of increasing stock of second hand clothes to my shop. this will increase the amount of profit that i make, which i will still reinvest for better resorts. i thank all my potential lenders as they contribute towards filling my bids.
Positive
3
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$50.00
Date disbursed
Aug 28, 2014
Repayment status
On Time
Projected term
3 months
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Amount repaid
$52.66
Amount remaining
$0.00
Date repaid
Oct 4, 2014
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Sep 5, 2014 | $3.29 | Sep 4, 2014 | $3.28 |
Sep 11, 2014 | $0.01 | ||
Sep 12, 2014 | $3.29 | Sep 11, 2014 | $3.29 |
Sep 19, 2014 | $3.29 | Sep 11, 2014 | $0.19 |
Sep 18, 2014 | $3.10 | ||
Sep 26, 2014 | $3.29 | Sep 18, 2014 | $0.38 |
Sep 26, 2014 | $2.91 | ||
Oct 3, 2014 | $3.29 | Sep 26, 2014 | $0.58 |
Sep 30, 2014 | $2.71 | ||
Oct 10, 2014 | $3.29 | Sep 30, 2014 | $3.29 |
Oct 17, 2014 | $3.29 | Sep 30, 2014 | $3.29 |
Oct 24, 2014 | $3.29 | Sep 30, 2014 | $3.29 |
Oct 31, 2014 | $3.29 | Sep 30, 2014 | $3.29 |
Nov 7, 2014 | $3.29 | Sep 30, 2014 | $3.29 |
Nov 14, 2014 | $3.29 | Sep 30, 2014 | $3.29 |
Nov 21, 2014 | $3.29 | Sep 30, 2014 | $3.29 |
Nov 28, 2014 | $3.29 | Sep 30, 2014 | $3.29 |
Dec 5, 2014 | $3.29 | Sep 30, 2014 | $3.29 |
Dec 12, 2014 | $3.29 | Sep 30, 2014 | $3.29 |
Dec 19, 2014 | $3.29 | Sep 30, 2014 | $1.69 |
Oct 3, 2014 | $1.60 |
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