To buy a dairy cow for milk

Samwel Kihara

Kangemi, Kenya

100% repaid

Entrepreneur

Name

Samwel Kihara

Member since

February 2015

On-time repayments

308 installments  •  81%

About Me

I was born in Nakuru, the rural part of it called Bahati area. I went to school there growing up in the rural part of Nakuru. Life was a different experience because my family did not have much in terms of money, so going to school was a struggle: my fees were never paid on time, and I didn't even have enough exercise books to write in, so I would use one book for two subjects. I used to mix English and maths in one exercise book: I would start maths from the front page and English from the back, and when the teacher asked why, I explained but they said that is unacceptable, so I would pluck some pages out to recreate another book, or I would borrow pages so that I would create into an exercise book.

We only had one school in the neighborhood that was a government school. For me, it was 8 km away going and coming back home, so I walked 16 km a day for over 14 years. When it was raining that was the most difficult time: no shoes, no umbrella, so I used to cover myself with a hard nylon paper or sack.

My Business

My business is a dairy shop. In Kenya, we have two types of milk: the one that is packed at the factory and the one that is sold straight after milking the cow. This one is for the people who are not well up financially.

In Kangemi, a slum in the outskirts of Nairobi, I have a a kiosk called Hassam Milk Shop. From here, I sell milk in small quantities. Ninety-eight percent of slum dwellers cannot afford packet milk, so they buy milk in small quantities. To get my stock, I have to wake up at 4 a.m. in the morning, go to Limuru (which is more than 10 km away), and get back by 6 a.m. to open my shop, which is along Hinga road.

I have faithful clients who never disappoint me: they buy from me because of the quality of the milk. I got into this business after I got stuck in college. I didn't have money to pay my college tuition fee, but this business got me back on my feet. The profits I make go back into the business. They also help me pay the shop's rent, my house rent, my son's fees, and I also depend on them for a livelihood.

Loan Proposal

The loan will go towards the purchase of a diary cow, since i am in the Milk business i have found where i can buy a cow that i can keep to supply milk for my business, The cow will cost 20, 000 kshs, Once i have the cow i will be able to supplement the milk that i buy from farmers with my own, this will save some money and also it will add profits to my business, once i have started to milk the cow i will milk a minimum of 12 liters in the morning and the same in the evening, i expect an increment of 3000 kshs increment per day from the additional milk from my cow.

Show original English  

About Me

I was born in Nakuru the rural part of it called Bahati area, i went to school there growing up in the rural part of Nakuru. Life was a different experience because my family did not have much in terms of money, so going to school was a struggle, my fees was never paid on time, i didn't even have enough exercise books to write in, i would use one book for two subject, i used to mix English and math in one exercise book, i would start maths from the front page and English from the back, and when the teacher asked why, i explained but they said that is unacceptable, so i would pluck some pages out to recreate another book, or i would borrow pages that i would create into an exercise book , and we only had one school in the neighbor that was a government school for me it was 8 km away going and coming back home i would walk 16 km a day for over 14 years, when it was raining that was the most difficult time, no shoes, no umbrella, used to cover myself with a hard nylon paper or sack.

My Business

My business is a dairy shop, in Kenya we have two types of milk the one that packed at the factory and the one that is sold straight after milking the cow,this is for the people who are not well up financially. In kangemi, a slum in the outskirts of Nairobi, i have a a kiosk called Hassam Milk Shop, from here i sell milk in small quantities.Ninety eight percent of slum dwellers can not afford packet milk so they buy milk in small quantities, To get my stock, i have to wake up at 4am in the morning go to Limuru which more than 10 km away and get back by 6am to open my shop which is along Hinga road. I have faithful clients who never disappoint me they buy from me because of the quality of the milk. I got into this business after i got stuck at in college i didn't have money to pay my college tuition fee, this business got me back on my feet, The profits i make go back into the business. They also help me pay the shops rent, my house rent,my son's fees and i also depend on them for a livelihood.

Loan Proposal

The loan will go towards the purchase of a diary cow, since i am in the Milk business i have found where i can buy a cow that i can keep to supply milk for my business, The cow will cost 20, 000 kshs, Once i have the cow i will be able to supplement the milk that i buy from farmers with my own, this will save some money and also it will add profits to my business, once i have started to milk the cow i will milk a minimum of 12 liters in the morning and the same in the evening, i expect an increment of 3000 kshs increment per day from the additional milk from my cow.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$149.28

Date disbursed

Oct 16, 2015

Repayment status

On Time

Projected term

7 months

Cost to entrepreneur

Service fee: $6.20

Lenders

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