Esther
Nairobi, Kenya
66% 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 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.
Positive
3
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$757.00
Date disbursed
Jul 14, 2016
Repayment status
Late
Projected term
18 months
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Amount repaid
$523.31
Amount remaining
$271.54
Expected completion
Jan 19, 2018
Status
Repaying late
Installment amount
$10.08
Expected Payments | Actual Payments | ||
---|---|---|---|
Jul 22, 2016 | $10.08 | Aug 1, 2016 | $10.08 |
Jul 29, 2016 | $10.08 | Aug 1, 2016 | $10.08 |
Aug 5, 2016 | $10.08 | Aug 16, 2016 | $10.08 |
Aug 12, 2016 | $10.08 | Aug 17, 2016 | $10.08 |
Aug 19, 2016 | $10.08 | Sep 5, 2016 | $10.08 |
Aug 26, 2016 | $10.08 | Sep 5, 2016 | $10.08 |
Sep 2, 2016 | $10.08 | Oct 1, 2016 | $10.08 |
Sep 9, 2016 | $10.08 | Oct 1, 2016 | $10.08 |
Sep 16, 2016 | $10.08 | Oct 1, 2016 | $10.08 |
Sep 23, 2016 | $10.08 | Oct 11, 2016 | $10.08 |
Sep 30, 2016 | $10.08 | Oct 31, 2016 | $10.08 |
Oct 7, 2016 | $10.08 | Oct 31, 2016 | $10.08 |
Oct 14, 2016 | $10.08 | Oct 31, 2016 | $10.08 |
Oct 21, 2016 | $10.08 | Oct 31, 2016 | $10.08 |
Oct 28, 2016 | $10.08 | Nov 4, 2016 | $10.08 |
Nov 4, 2016 | $10.08 | Nov 14, 2016 | $10.08 |
Nov 11, 2016 | $10.08 | Nov 14, 2016 | $10.08 |
Nov 18, 2016 | $10.08 | Nov 21, 2016 | $10.08 |
Nov 25, 2016 | $10.08 | Dec 1, 2016 | $10.08 |
Dec 2, 2016 | $10.08 | Dec 23, 2016 | $10.08 |
Dec 9, 2016 | $10.08 | Dec 23, 2016 | $10.08 |
Dec 16, 2016 | $10.08 | Dec 23, 2016 | $10.08 |
Dec 23, 2016 | $10.08 | Jan 31, 2017 | $10.08 |
Dec 30, 2016 | $10.08 | Jan 31, 2017 | $10.08 |
Jan 6, 2017 | $10.08 | Jan 31, 2017 | $10.08 |
Jan 13, 2017 | $10.08 | Jan 31, 2017 | $10.08 |
Jan 20, 2017 | $10.08 | Feb 17, 2017 | $10.08 |
Jan 27, 2017 | $10.08 | Feb 17, 2017 | $10.08 |
Feb 3, 2017 | $10.08 | Feb 17, 2017 | $10.08 |
Feb 10, 2017 | $10.08 | Mar 3, 2017 | $10.08 |
Feb 17, 2017 | $10.08 | Mar 3, 2017 | $10.08 |
Feb 24, 2017 | $10.08 | Mar 20, 2017 | $10.08 |
Mar 3, 2017 | $10.08 | Apr 4, 2017 | $10.08 |
Mar 10, 2017 | $10.08 | Apr 4, 2017 | $10.08 |
Mar 17, 2017 | $10.08 | Apr 12, 2017 | $10.08 |
Mar 24, 2017 | $10.08 | Apr 16, 2017 | $10.08 |
Mar 31, 2017 | $10.08 | Apr 16, 2017 | $10.08 |
Apr 7, 2017 | $10.08 | May 23, 2017 | $10.08 |
Apr 14, 2017 | $10.08 | May 27, 2017 | $10.08 |
Apr 21, 2017 | $10.08 | May 27, 2017 | $10.08 |
Apr 28, 2017 | $10.08 | Jun 6, 2017 | $10.08 |
May 5, 2017 | $10.08 | Jun 6, 2017 | $10.08 |
May 12, 2017 | $10.08 | Jun 10, 2017 | $10.08 |
May 19, 2017 | $10.08 | Jul 4, 2017 | $10.08 |
May 26, 2017 | $10.08 | Jul 4, 2017 | $10.08 |
Jun 2, 2017 | $10.08 | Dec 2, 2017 | $10.08 |
Jun 9, 2017 | $10.08 | Dec 2, 2017 | $10.08 |
Jun 16, 2017 | $10.08 | Dec 2, 2017 | $10.08 |
Jun 23, 2017 | $10.08 | Dec 2, 2017 | $10.08 |
Jun 30, 2017 | $10.08 | Dec 2, 2017 | $10.08 |
Jul 7, 2017 | $10.08 | Dec 14, 2018 | $4.03 |
Jan 31, 2019 | $6.05 | ||
Jul 14, 2017 | $10.08 | Jan 31, 2019 | $4.03 |
Feb 27, 2019 | $5.04 | ||
Jul 21, 2017 | $10.08 | ||
Jul 28, 2017 | $10.08 | ||
Aug 4, 2017 | $10.08 | ||
Aug 11, 2017 | $10.08 | ||
Aug 18, 2017 | $10.08 | ||
Aug 25, 2017 | $10.08 | ||
Sep 1, 2017 | $10.08 | ||
Sep 8, 2017 | $10.08 | ||
Sep 15, 2017 | $10.08 | ||
Sep 22, 2017 | $10.08 | ||
Sep 29, 2017 | $10.08 | ||
Oct 6, 2017 | $10.08 | ||
Oct 13, 2017 | $10.08 | ||
Oct 20, 2017 | $10.08 | ||
Oct 27, 2017 | $10.08 | ||
Nov 3, 2017 | $10.08 | ||
Nov 10, 2017 | $10.08 | ||
Nov 17, 2017 | $10.08 | ||
Nov 24, 2017 | $10.08 | ||
Dec 1, 2017 | $10.08 | ||
Dec 8, 2017 | $10.08 | ||
Dec 15, 2017 | $10.08 | ||
Dec 22, 2017 | $10.08 | ||
Dec 29, 2017 | $10.08 | ||
Jan 5, 2018 | $10.08 | ||
Jan 12, 2018 | $10.08 | ||
Jan 19, 2018 | $8.37 |
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