To buy some cereals for my store

Jane Kajuju

Meru, Kenya

21% repaid

Entrepreneur

Name

Jane Kajuju

Location

Meru, Kenya

On-time repayments

316 weekly installments  •  23%

About Me

My name is jane kajuju from meru county. am a single mum of one daughter. I work on a contract basis with American University Abroad kenya exchange program as a meru county representative. Besides i do business in clothing both new brand and second hand clothing also i have a small consumer shop at home katheri which i run myself since am near.the one for clothes i have someone who runs it as i send the commodities and i visit the place at least twice a month, The business is based in Mikinduri market 30kilometers from Meru town. I chose the place due to rapid economic growth, good infrastructure, a little bit secure and a conducive business environment the inhabitants are welcoming and friendly.
I have a diploma in social work from a recognized institution. i started the business because i needed extra income to cater for my needs.
Currently the business is able to cater for itself, fund my small scale farm which is located at mikinduri area, it caters for two rental houses that is my employee residence and business premises. it also caters for our basic needs and pays fees for my daughter

My Business

the business is capable of repaying the loan because its doing well, it keeps improving as time goes and i have not experienced any loses for the last four years. currently these are some of the running cost and expenditures from the business
1. rent both for residential and business premises-150 us dollars per month
2. basic needs-200 dollars per month
3.school fees-200 dollars per term equivalent to three months
Other sources of income i get from the small scale farm
the goods as i said earlier are new and second hand clothes and shoes. i get them from Nairobi to the business place at mikinduri. i chose both the new and second hand in order to meet the needs of all customers irrespective of their social status.
my business is profitable because i stock a variety which is affordable to all my clients. i excel in the competition because i chose what is trending latest in the market, i have goods of high quality and at affordable price.i have not incurred any risk so far but the most common is fire and theft.
i shall use the loan to invest in my business by opening up more branches in different parts in Kenya.
about my small consumer shop which i run at home i will post its picture here its very new and that's why i need to run it on myself so that i may get to understand how its doing,the capital i started it with was from my small scale farming at home.so far the shop is doing good,which am planing to add the stock once i get this funds from zidisha this being my second loan.

Loan Proposal

Thanks again for this grate opportunity to have my fourth loan.am happy that my third loan enabled me to grow my businesses at a high profit,now I want to buy some cereals and keep a stock since the harvest is taking place at the moment till mid feb and from then there will be scarcity of food and the food price will hick in the stores,where by sometimes it doubles the current buying price.in fact that is where I made my big magine profite from my third loan.Thank you all

Feedback

5

None

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  • SunnyB28    Apr 21, 2015

    It is heartening that despite a bout of ill health, Jane continues to make payments and maintain her loan. She is very driven and focused, making her determined to carry on as normal as far as possible, Jane is inspirational.

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  • trincowski    Jan 19, 2015

    Jane has repaid 6 months ahead of schedule! Excellent behaviour.

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  • SunnyB28    Jan 19, 2015

    Once again, Jane has exceeded expectation on repaying her loan. She is very driven and it is lovely that she keeps in touch and updates her lenders on what is happening with her business. I will not hesitate to offer my support to Jane should she request another loan.

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  • SunnyB28    Nov 5, 2014

    Jane is focused and determined and has paid back her loan promptly. I look forward to continuing to support her for her next loan.

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  • alretz    Apr 29, 2014

    I very much enjoyed chatting with Jane and look forward to her next loan.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,129.70

Date disbursed

Jan 20, 2015

Repayment status

Late

Projected term

66 months

Cost to entrepreneur

Lender interest: $1,129.70 at 5.37% annual rate over 66 months = $333.32

Service fee: $1,129.70 at 5% annual rate over 66 months = $310.36

Lenders

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sarah4d2

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K

KRose

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