To add more stock of warm clothes for the month of July

Esther

Nairobi, Kenya

66% repaid

Entrepreneur

Name

Esther

Member since

August 2014

On-time repayments

164 installments  •  55%

About Me

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.

My Business

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.

Loan Proposal

Thanks once more, for this loan I am proposing to purchase more stock of warm clothes as we are already in the month of July which is usually cold here in Kenya, we are told by the meteorological department the spell might extend to August. I will stock both outerwear and underwear. I will spend US$ 400 on coats, jackets, hats and gloves another US$200 on secondhand clothes of a similar kind, US$ 150 on secondhand warm socks. This is the best step i could possibly take toward gaining control of market in this season. I am sure you will be seeing and hearing a great deal more about my achievements in the future, I urge you to support me in my endeavors by lending me generously. Thanks in anticipation.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$757.00

Date disbursed

Jul 14, 2016

Repayment status

Late

Projected term

18 months

Lenders

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

Ask Esther 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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  • Eric    Oct 2, 2017

    Called Esther today, still got some financial difficulties, and will get back to me on way forward this week.

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  • Eric    Aug 25, 2017

    Just called Esther, she has been going through some financial challenges due to low business season especially with the general elections.
    I explained to her that she could reduce the weekly installment to an amount that she can afford... she will resume payments in early September.

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  • Esther    Jul 12, 2016

    Thanks to you my lenders for accepting to fund my bids on time. i now have a chance to increase stock of warm clothes in my shop for sale in this cold July season. warm clothes are in high demand which will give good business once again thank you so much may God bless you.

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  • Esther    Jul 2, 2016

    Thanks to you all my lenders, this is the second time my loan application is running. The first time it was only 27% funded when it came to its expiry date after 14 days. I am taking this opportunity to appeal to you all my lenders to come together and fund my bids before this second chance expires. By so doing, this will hasten my business need of being stocked with warm clothing for sale to my customers for the cold spell of July. It is to my humble submission that you will hear me out and just do that. I wish you Gods speed and do well.

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  • Esther    Jun 15, 2016

    I take this opportunity to thank all my lenders for your continued support, your contributions and innovative ideas have lifted me to new heights, much of my success is directly attributable to your efforts. As of today, my clothing business is doing well and my profits have grown to a better digit figure’s, am able to take care and educate my children hassle free. Together we have a bright future, and I look forward to our continued association.

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  • Esther    Oct 6, 2015

    Thanks to you all lenders for your kind hearts, you accepted my appeal by funding my bids on time, i now have a chance to grow my business. i will spend US$200 to buy stocks of new clothing, another US$200 for second hand clothing while US$100 will go to renovating my shop to give it a face lift especially my show case. This will help in attracting more business as we near this years Christmas shopping spree. Thanks once more and May God Bless you.

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  • Esther    Oct 3, 2015

    Thanks once again lenders, it is only 2days left before the expiry of my loan application, i appeal to you all to support me in achieving my goal of improving my business by contributing towards filling my bids.

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  • Esther    Oct 2, 2015

    Thanks Ricardo , for your concern. indeed, this a good tip from you. i will try and take a few photos from my shop and post them for the lenders to see. However, i still appeal to you, your friends and others to lend me a few bucks to achieve my goal. Thanks and may God bless you.

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  • Esther    Oct 2, 2015

    Thanks to you my lenders for your generous contribution. It is only 4 days before the expiry of my loan application without your help, I may not realize the amount of money required to restock my clothing shop. I am intending to spend US$ 200 to buy stocks of new clothes another US$ 200, I will buy stocks of carefully selected second hand clothes. The remaining UD$ 100, I will renovate my shop to give it a good face lift to have a nice showcase for my merchandise. By so doing, I will attract more business especially at this time when we are headed for the Christmas shopping spree. I appeal to you all to help me realize this goal by contributing generous towards filling my bids within this short time left. Thank you in anticipation.

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    • trincowski    Oct 2, 2015

      Hello Esther!

      If you don't succeed this time, you can always try again. You could add a couple of photos from your business in order to appeal a bit more to lenders. That usually helps.

      Hugs,
      Ricardo

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  • Esther    Apr 21, 2015

    I take this opportunity to thank all lenders for accepting to fund my business once again. i am intending to purchase stock of seasonal clothing for sale in my shop. these will include heavy jacket, cardigans, and all types of cotton tops to serve my customers in this cold season of long rains. i will also stock umbrellas. Thank you and God bless.

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  • Esther    Apr 16, 2015

    Hello lenders, i come to interact you again. it is only 6 days left to expiry of my loan application i appeal to you to consider funding my bids which has always been very helpful to my business. i have always recoded tremendous growth since receiving my first bids from you. My life has improved to the better as well hence this loan will go along in bringing good returns this season. make your day as well by funding my bids, God bless.

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  • Esther    Apr 15, 2015

    To all lenders , it only 7 days left before the expiry of my loan application which is 5% funded up to date, i would like to inform you that my previous loans has been very helpful to business and has also made me leach this far. i urge all to consider funding my bids again as it will go along way in keeping me afloat. be blessed as you contribute towards the same.

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  • Esther    Apr 11, 2015

    To all lenders, welcome to my loan application, it only 11 days left before the expiry of the same. my business has gone this far due to your continued support hence it is my plea to you all to lend me on this loan as well. This will make my business catch up with the demand of warm clothes in this cold season as i cash in to record better profit margins. be blessed as you contribute towards filling my bids.

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  • Esther    Apr 9, 2015

    i take this opportunity to thank all my lenders for their continued support. my last loan was very helpful to my business, i am to record very good progress so far. initially i used to sell second hand clothes only but today i sell new clothes too. this has made my business to perform well as i have increased my profits three fold,. I am now planing to buy a second hand car which will help me to moving around in time to serve my customers even better, all this has been made possible by generous lending, you have truly changed my life for better, to you all, be blessed.

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  • Patty    Jan 9, 2015

    Esther, you inspire me! I love your willingness to do whatever it takes to make you and your business a success.

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  • Esther    Dec 27, 2014

    Thanks to you all my lenders, i am Obliged to have you as my development partners my business is now doing so well, this after your funding, i am recording a very positive growth and my profit margin has grown three fold and my livelihood has improved to a point where everybody can envy . i am very proud of you. i wish happy new year 2015 and may God bless you all.

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  • Zacharia    Dec 25, 2014

    May I take this opportunity to wish you Marry Christmas and a happy 2015 to all the Zidisha lenders and borrowers. I pray that the Almighty Father Protect you for Ever be blessed.
    Zachary Kwanya
    VM

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  • bconrad    Dec 1, 2014

    Dear Lenders,

    Due to a data entry error, a payment from Esther on November 21st was entered multiple times erroneously. Once this error is fixed in our system, the funds in your lender accounts will decrease accordingly. We apologize for this error and any inconvenience it causes you!

    Thank you,
    Bayle, Country Liaison Manager

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