To purchase a chaff cutter and construct fodder/silage store

Benson

Ciondo Road, Engineer, Kenya

100% repaid

Entrepreneur

Name

Benson

Member since

September 2013

On-time repayments

392 installments  •  61%

About Me

My names are Benson Kaniu Karanja, and I was born in the year 1978 in Kiambu County of the central Province in Kenya. I went to Kirangari High school for my KCSE (Kenya Certificate of Secondary Education). After my KCSE, I joined Kabete Technical Training Institute in Nairobi where I graduated with a diploma in Laboratory Technology. I am married with two children.

I have worked with CAIS as a laboratory technician for 3 years, where we were dealing with production of bull semen and selling it to farmers for artificial insemination, so I have experience in dairy management and generally agriculture production.

My Business

Besides working as a laboratory technician at Muruaki Secondary School, I am a farmer specializing in dairy farming in Kinangop. I also grow wide range of cash crops like potatoes, peas, carrots and cabbages. I am also a member of Tulaga farmers SACCO, where we sell our milk and get paid at the end of the month. Kinangop is endowed with weather that favours production of such cash crops and customers come as far as Nairobi.

My income per month ranges from Ksh. 8,000 (USD $90) to Ksh. 13,000 (USD $140). After deducting expenses, it amounts to sh 6000 ($70) per month as net income that I add to my salary at my work place for family upkeep and payment of school fees.

I intend to borrow a Zidisha loan to increase my farming activities with the help of my wife, who is a housewife. With this Zidisha loan, I will be able to boost planting by planting in a land that is currently sitting idle. I live just some few meter from the Turasha River which, though seasonal, I will take advantage and water my crops during the coming dry spell. This will put me at an advantage, as I will not rely mostly on unpredictable weather. I also want to plant more feeder crops for my cows to boost milk production.

From my workplace I have net income of Ksh. 14,000 (USD $150) and will keep part of my personal savings to go towards this project. We are approaching closure of schools, and I don’t work during the holidays, so I will be in a position to set the ball rolling and, furthermore, this will be close to two months. I also don’t work during weekends (i.e, Saturdays). Therefore, I will be having at least a day in a week to concentrate on my project.

I do also have plans to purchase a simple water pump that will enable me do some irrigation to my crops, particularly vegetables and cabbages, which have ready market due to their ever-increasing demand. When prices go down, I will be using them as fees for my cattle and this will increase milk production.

Loan Proposal

With this loan I want to purchase a chaff cutter and construct a large storage unit for silage and fodder crops. With this I want to ensure that I have feeds for my dairy cows. This is anticipated to increase milk production and thus increase my sales. With enough feeds I will be able to increase output as well as reducing wastage since the use of chaff cutter will ensure that the feeds are crushed to small pieces. The Chaff cutter will reduce the labour involved with cutting feeders the traditional way.
The estimated cost of this project will be USD 300 for Chaff cutter, USD 500Construction of iron sheet store and USD 150 for Labour. I will top up any other costs accrued during the implementation of this project.
It is expected that the project will save on time since large quantity of feeds will be placed on feeding troughs and thus eliminate the need for constant filling of troughs.

Show original English  

About Me

Am a farmer in kinangop, went through my early Primary education Limuru where the family later transferred to Kinangop. I later joined joined secondary school for my KCSE. After my KCSE, I joined college in Nairobi where I enrolled for a diploma course. I do have experience in dairy management and generally agriculture production.

My Business

Besides workings ,am a farmer specializing in dairy farming in Kinangop. I also grow wide range of cash crops like potatoes, peas, carrots and cabbages. I belong to Tulaga farmers SACCO where we sell our milk and get paid at the end of the month.
Collections or income per month range from Ksh. 8000 to ksh 13,000 per month. its wholly depend on weather condition as when we have a lot of rain the production of both livestock and crop is high thus increase in income,the challenges we encounter are the preservation of fodder to have milk throughout the year.this will enhance and increase milk production in my farm.

Loan Proposal

With this loan I want to purchase a chaff cutter and construct a large storage unit for silage and fodder crops. With this I want to ensure that I have feeds for my dairy cows. This is anticipated to increase milk production and thus increase my sales. With enough feeds I will be able to increase output as well as reducing wastage since the use of chaff cutter will ensure that the feeds are crushed to small pieces. The Chaff cutter will reduce the labour involved with cutting feeders the traditional way.
The estimated cost of this project will be USD 300 for Chaff cutter, USD 500Construction of iron sheet store and USD 150 for Labour. I will top up any other costs accrued during the implementation of this project.
It is expected that the project will save on time since large quantity of feeds will be placed on feeding troughs and thus eliminate the need for constant filling of troughs.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,015.00

Date disbursed

Feb 23, 2016

Repayment status

On Time

Projected term

48 months

Lenders

J

Jason

New Jersey, United States

C

Christian

Saarbruecken, Germany

I

internetfrust

Wiesenttal, Germany

N

nsamberger

London, United Kingdom

Elinor

Maple Lake, MN, United States

mbunifu

San Jose, United States

SKWAW

SHANTY BAY, ONTARIO, Canada

AltruisticSelfishnes

Chicago, United States

nicole

Worcester, Ma, United States

bluntpixel

Durham, United Kingdom

COOPITALIST

Toronto, Canada

A

andyfletcher

I want my "My loans" page back, Qatar

lorrymac

Killough, United Kingdom

ErikN

Stockholm, Sweden

Scott

Oregon, United States

F

FHult

Stockholm, Sweden

J

jgillard

Winchester, United Kingdom

R

Roman

Barcelona, Spain

Pere

Barcelona, Spain

johnandmoliehi

Canton, New York, United States

AnnaChristina

Pittsburgh, United States

M

mogensh

København V, Denmark

C

crpwme

Philadelphia, United States

RebeccaNie

Palo Alto, United States

B

blahblah

Nuernberg, Germany

B

briansedz

Canton, Ohio, United States

C

chrisherron

Chicago, United States

H

hanso

Arendal, Norway

A

anonymous123

United States

tasos

hove, United Kingdom

F

farwest

Alamo, United States

H

hanh352

Homosassa, United States

P

Pengetilafrika

Mårslet, Denmark

G

graememoss

Amsterdam, Netherlands

J

JoycaLeplae

Gent, Belgium

bennie

Eindhoven, Netherlands

M

McCoys

London, United Kingdom

J

JandC

Watsonville, United States

SeeMeeFi

Ontario, Canada

Myrar

Aarau, Switzerland

K

KDeath

Dublin, Ireland

Z

Zippo

Berlin, Germany

D

davide

Vallentuna, Sweden

AdvancingCompassion

San Diego, United States

B

Butters

San Jose, United States

A

argos

Zurich, Switzerland

T

tuttifrutti

tulare, United States

mtnsailor

Harrisonburg, United States

ads68

Melbourne, Australia

R

Rking

Eugene, United States

dhulsterwim

LIER, Belgium

swendl

Iowa, United States

ayw2107

New York, United States

S

Saminyk

Lohja, Finland

rfriedenberg

New Jersey, United States

E

erogers

Vancouver, Canada

postnihilist

Honolulu, United States

A

Arnfinn

Aasgardstrand, Norway

Bobrm2k3

Charleston, United States

TimK01

gfhj, Moldova

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

M

Marod

Edmonton, Canada

M

marcmesich

Kaohsiung, Taiwan

A

Andrii

Kiev, Ukraine

M

Masseman

Paris, France

W

wally

Torino, Italy

K

kingcamo1095

Mountain Home, United States

S

SammyGeorge

Belfast, United Kingdom

H

HobbyCollector

Beach City, United States

C

CTAustralia

Caboolture South, Australia

L

LenoMetus

Perth, Australia

JonB

London, United Kingdom

D

Dutch_lender

Leiderdorp, Netherlands

M

Mieli

Kotka, Finland

L

Lolababalola

Ames, United States

B

BMcDermott

Washington, DC, United States

K

khassi

AinEbel, Lebanon

Genady

Münich, Germany

O

OrientExpress

Tokyo, Japan

J

jumpfunky

Dortmund, Germany

MrMichigander

Marquette, United States

zZola

Gilford, United States

M

mark3339

San Diego, United States

C

Clben7

Cincinnati, United States

P

Purplejeep

Moravia, United States

M

Mschoenz

Chicago, United States

D

Dianatalk

Netherlands

D

dajja

Stockholm, Sweden

M

martyb

United States

Shemuel

New Jersey, United States

I

ibd267

Ambler, United States

Arjan Geven

Vienna, Austria

C

chrishol

United States

MalcolmL

San Francisco, United States

J

Jonas

Linköping, Sweden

Justin

Connecticut, United States

R

rossgarlick

United States

Bivouac

Hillsboro, United States

T

theironbank

United States

Paul Buchheit

Mountain View, United States

N

nlane

Vietnam

P

phantomdiver

United States

M

mevans24

United States

P

plhughes

United States

R

richardbrewster

United Kingdom

B

bugdaniel

Switzerland

R

retzroff

United States

T

tiojoca

Portugal

bb4dogs

United States

S

salonasante

United States

T

TuteC

Argentina

C

cathyu2crazy

United States

E

expatri

United States

mepster

San Francisco, Ca, United States

VK

Vasily Kudrin

Moscow, Russia

S

simonthompson99

United Kingdom

T

tmarkus

Netherlands

L

luckiestmonkey

United States

B

bscent

Hong Kong

Taylor Hanna

United States

G

Gavin

New Zealand

V

vrothba1

United States

Lisbeth

Perth, Australia

A

avital

United States

M

Mkaput926

United States

J

JonAlec

United States

Grant Xavier Storer

Seattle, Wa, United States

martinw

Stockholm, Sweden

S

sarahb

United States

S

shivasj

United States

Hoops

United States

R

Rajendra

Jamkhed 413201 Maharashtr, India

N

nshekher

United States

Otto Barten

Amsterdam, Netherlands

S

satheajay

United States

B

Bennphoto

United Kingdom

I

irela

United Kingdom

C

cocolo

United States

L

Lagrange

United States

D

ddm08

United States

adrianz

United States

C

cactusgirl

London, United Kingdom

I

ident

Horsholm, Denmark

Y

Yanque

Madrid, Spain

K

Kebrenagast

New York, United States

C

Crainster

Chapel Hill, United States

Andrew267

Birmingham, United Kingdom

P

pnrjulius

United States

E

ErinL

United States

OllieOladele

London, United Kingdom

Matthias Schulz

Berlin, Germany, Germany

reluck

Marseille, France, France

Kyle Hoback

Omaha, United States

R

ross22

United States

K

Kelly729

United States

alecors

Mexico, Mexico

A

andreab

United States

J

Jack123

United States

D

djlayton4

United States

JP

James Parker

Sacramento, United States

K

Kristiina

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JL

Joao Leal

United Kingdom

TW

Tony Walters

United Kingdom

S Masler

Tennessee, U.S.A., United States

J

Joe

United States

UD

Ulf D

Frankfurt am Main, Germany

Peter R

Fulda, Germany

F

Falk

Germany

E

Erich

Zurich, Switzerland

D

Doug

Baltimore, United States

Gab

Singapore

AA

Adam Atlas

Montreal, QC, Canada, Canada

J

Jane

United States

Paul

Auckland, New Zealand

RB

Renee B

United States

MW

Matt Willis

United States

WH

Walter Hill

United States

W

Wade

United States

Fox Family

Costa Rica

JD

Jo Dane

Melbourne, Australia

Dominik Wagner

Karlsruhe, Germany

PT

Pattie Thomas

United States

DN

Don Nichols

United States

Elly

Woudrichem, United Kingdom

Jason Ogg

New Zealand

jtreyes

United States

H

Hakon

Drammen, Norway

JM

John Meserve

United States

BS

Bart Sturm

Amsterdam, Brazil

Francoise Kuenzi

Neuchâtel, Switzerland

Deb Fox

Melbourne, Australia

Kate Courteau

United States

MA

Mary Art Hunt

United States

V

Vantine

United States

Yustian Hartono

Singapore, Singapore

E

erica

antwerpen, Belgium

ME

Mike Engsberg

United States

Max Lettenberger

Madison, WI, United States

JT

JW Tabacchi

United States

KL

Kevin Law

United States

Kevin

San Francisco, United States

JC

JD Conley

United States

M

Marc

Newcastle upon Tyne, United Kingdom

DB

Divya Bhat

United States

TS

Ted Suzman

United States

EB

Erica Brescia

United States

Jennifer Weber

Canandaigua, Ny, United States

A

Anthony

United States

V

Vivek

Arlington, VA, United States

Sandi Kaucic

Stow, Ohio, United States

Mouhamed

United States

MG

Meron Gribetz

United States

MM

Marshall M

United States

MH

Matt Harris

United States

Paul

Seattle, United States

JD

Jeff DePree

United States

Oliver Hasenberg

Iserlohn, Germany

A

albert

United States

kristina

Dneprodzerginsk, Ukraine

N

Nikhil

United States

RR

Ria Rose

New Zealand

ME

Manaal Eisa

Washington DC, United States

RM

Robert Mulley

United States

Caroline Cress

Seattle, WA, United States

BC

Best Chapman

United Arab Emirates

BB

Ben Bellows

United States

KM

Kaleb Merwin

United States

Corina King

Calgary, Canada

Framework Eyewear

Utrecht, Netherlands

NO

Nancy Owen

United States

B

Brent

United States

Solon Brown

Singapore, Singapore

Martin Nielsen

Aarhus, Denmark

JF

Jason Foti

United States

D

David

Chicago, United States

M

Mart

United Kingdom

D

Daniel

United States

JW

John Walsh

Alicante, Spain

Robin Padberg

Pétion-Ville, Haiti

V

Varun

New Zealand

P

patricio

Yorba Linda, Ca, United States

AH

ajay hampapur

United States

LD

Laura Dobroth

United States

E

eriklonnroth

United Kingdom

RobLu

Michigan, United States

J

joelneville

United States

BS

Brad Syverson

United States

D

David

United States

Steven Hill

Barcelona, United Kingdom

Rosario von Li

San Jose, Ca, United States

A

Andrei

United States

M

Mark

United States

MC

United States

Christopher Hey

Sudbury, Canada

Heidy

N J, United States

D

Donna

United States

MT

Marco Tietz

United States

WS

william smith

United States

Carlo Cruz

Cincinnati, OH, United States

GT

Geoff Tucker

United States

AH

Alex Hodson

United States

L

LK

United States

Tam Thao Nathan

United States

TW

Tyler Wood

United States

JC

Justin cohan

United States

S

stevensau

United States

K

Kristin

Washington, DC, United States

philippelazaro

Eugene, Oregon, United States

FJ

Flo Jo

United States

T

tonym

Australia

YV

Yuri Vanin

United States

V

Vidar

Oslo, Norway

S

Stephanie

Zurich, Switzerland

Tony Liao

Montreal, Canada

DK

Danny Kelly

United States

GS

G S

Switzerland

JC

juli camrud

United States

RC

Rudi Chen

United States

A

Ashley

United Kingdom

Carla

United States

SB

Sue Bucholz

Sacramento, United States

E

Elynne

United States

JB

John Brown

United States

RK

Robin Kinman

United States

C

Cora

Switzerland

Julia Trigg

United Kingdom

HPK

Switzerland, Switzerland

J

jmfaber

Amsterdam, Netherlands

SS

Steve Smith

Winchester, Ma, United States

HH

Heidi Harris

United States

C

Carlene

United States

B

Brett

Australia

R

Rachel

United States

EW

Emily Winters

United States

AM

Ann Menier

United States

RC

Richard Cosh

Czech Republic

JA

Jan Andresen

Hamburg, Germany

Sinan Taifour

Munich, Germany, Germany

SM

Sachet Marion

United States

CS

Chas Schlaack

United States

Laurent Magniez

Annecy, France

KK

Kanwar Kumar

Oslo, United Kingdom

DF

D F

United States

MM

Matyas Matyas

Budapest, Romania

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