To level my piece of land

Virginiah

Ngarariga Village, Kenya

99% repaid

Entrepreneur

Name

Virginiah

Member since

May 2015

On-time repayments

206 installments  •  39%

About Me

My name is virginiah njoki.I was born in subukia in Nakuru county.I was raised up in Kiborocho village in subukia. Subukia is a dry place most of the time. When i attained seven years old i joined nyataragi primary school, where i did my kcpe exam.There i got a certificate.since my parent were not well up ,i didn't continue with high school education.Later on i moved to Kiambu county in search of a job.The first job i got was a house girl.Th job was not wellpaying so i decided to quit. As years went by, i joined theological school were i got a certificate in theology.In 1998 i got married and by now i have got two children.My children aspire to be doctors .Kiambu is a cool and went place it's a high land.

My Business

Down the line i got connected to a person who taught me bead work.After three years of working, i had skill and a little capital.I decided to put my own business.At start the business was not promising but i encouraged my self and finally it picked up.Bead work mostly involves decorations.I make thing like mats,small baskets,neck less,handbag s using beads of different co lours.The work is comfortable because i work in my house and in my own speed.In a week i normally make 20$. During the pick season when the tourist come to our country Kenya, the business really pays well.My average income is 250$ per month. I uses my income to pay school fees,buy food stuff and pay house lent.

Loan Proposal

if you grant me the loan use the funds to level my piece of land.So i will hire a tractor.i will uproot my tea plantation and level the land, so i can plant first growing horticulture crops which do well , fetch high price and grow quickly.The reason why i want to up root the tea plants and level the land is because the tea shrubs are yielding low yield.The horticulture crops will increase my income and help to employe one person to work on the farm.The total cost of doing that work is about 100$.I will use my income to pay the loan.

Feedback

4

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Loan Info

Project Type

Classic Loan

Disbursed amount

$100.00

Date disbursed

Jun 10, 2015

Repayment status

On Time

Projected term

7 months

Lenders

Hope2012

United Kingdom

dlpringle

Denver, United States

UN

Uwe Neumann

Frankfurt Germany, Denmark

Ask Virginiah 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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  • Virginiah    Mar 21, 2019

    Low sales

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  • Virginiah    Mar 14, 2019

    It quit sometimes I have not made my instalments due to challages but this weekend I will resume

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  • Margaret    Aug 19, 2018

    Hi Virginiah
    Please make an effort to repay your loan. Zidisha offers a wonderful opportunity to grow your business and perhaps open another one in the future. We all understand that unexpected things happen but Zidisha provides you the tools to change your payment amount and schedule at any time by simply logging into your account. Show respect to your mentor and lenders by making repayments. Regards, Margaret

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  • Margaret    Jul 10, 2017

    Hi Virginiah,

    It is very important that you make payments no matter how small to keep your name in good standing with Zidisha lenders. Please contact. [email protected]. To set up a payment plan you can afford. All of us at Zidisha wish the best for you, please show us and your mentor due respect by making an effort to pay back your loan no matter how long it takes. Best of luck to you. Regards, Margaret

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  • Leila    Apr 14, 2017

    No new information about her since her phone is off. Other contacts in her profile says they can't reach her coz the phone is off

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  • Leila    Apr 3, 2017

    Her phone has been off for more than 2 weeks.

    The contacts in her profile are not in position to advise since her phone is off.

    I will keep trying and advise once i speak to her

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  • Leila    Mar 19, 2017

    Having some tough challenges but will repay once things are back to normal

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  • Leila    Feb 28, 2017

    Her reference Peter karanja says she's sick and doesn't have a phone at the moment.

    Her phone never goes through.

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  • Leila    Feb 6, 2017

    I couldn't reach her but i spokey to peter karanja who promised to remind her

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  • Virginiah    Jan 15, 2017

    The customers are few because some part of the country are experiencing drought and in this month the sales are usually low.

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    • Mary    Jan 21, 2017

      Thank you for the update Virginiah. I hope you and your family are doing well. Is your photo on your Zidisha page from your vacation? Where is this place. It is very beautiful. Regards, Mary

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  • Virginiah    Dec 12, 2016

    I would like to adjust my installment so that I can take my family for a holiday. This is the time the children are at vocation so this is the right time for me and children to lest and visit places.

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  • Virginiah    Nov 21, 2016

    Dear lenders. i hope you are fine.First and fore most is to thank you for funding my loan am thrilled about it. I will buy beads item ,which i will use them to to make product and i am anticipating to get profit in return.

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  • Mary    Nov 17, 2016

    Your beaded baskets are beautiful Virginiah! I am glad Zidisha is helping your business grow. Regards, Mary

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    • Virginiah    Nov 18, 2016

      Thank you very much indeed they are beautiful.I am also looking forward to have some one to help to to market them oversee to make my business international.

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  • Virginiah    Nov 16, 2016

    Dear lenders,
    its my joy to inform you that i have completed to repay my loan.The funds have helped me to increase my products where by i was able to pay for my expenses and cater for my siblings.its such a great thing and honor to have you .thank you.

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  • Virginiah    Nov 3, 2016

    due to more profit am getting i would like to increase my installments to sh2000

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  • Virginiah    Oct 15, 2016

    i would like to reduce my installments to sh 200.I want to pays tuition fees for my children and other expenses which have emerged.

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  • Vanessa Richardson    Apr 22, 2016

    So sorry to hear about losing some of your stock, I hope you are able to recover completely from that loss soon.

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  • Virginiah    Apr 22, 2016

    To my dear lenders, i want to thank you for your funds.I received the money .I bought beads and wire for my art work .By now i have managed to make several products which have increased my sales although some items were destroyed i am recovering thanks a lot .As far as i am concerned you have really supported me .

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