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

9

None

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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

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A

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tasos

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Amsterdam, Netherlands

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Gent, Belgium

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Eindhoven, Netherlands

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SeeMeeFi

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K

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Dublin, Ireland

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B

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tuttifrutti

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dhulsterwim

LIER, Belgium

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Bob Fitzjohn

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CTAustralia

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London, United Kingdom

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Dutch_lender

Leiderdorp, Netherlands

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Mieli

Kotka, Finland

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Lolababalola

Ames, United States

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BMcDermott

Washington, DC, United States

K

khassi

AinEbel, Lebanon

Genady

Münich, Germany

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OrientExpress

Tokyo, Japan

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jumpfunky

Dortmund, Germany

MrMichigander

Marquette, United States

zZola

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M

mark3339

San Diego, United States

C

Clben7

Cincinnati, United States

P

Purplejeep

Moravia, United States

M

Mschoenz

Chicago, United States

D

Dianatalk

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D

dajja

Stockholm, Sweden

M

martyb

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Shemuel

New Jersey, United States

I

ibd267

Ambler, United States

Arjan Geven

Vienna, Austria

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chrishol

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MalcolmL

San Francisco, United States

J

Jonas

Linköping, Sweden

Justin

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VK

Vasily Kudrin

Moscow, Russia

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tmarkus

Netherlands

L

luckiestmonkey

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bscent

Hong Kong

Taylor Hanna

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G

Gavin

New Zealand

V

vrothba1

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Lisbeth

Perth, Australia

A

avital

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M

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Grant Xavier Storer

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martinw

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shivasj

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Otto Barten

Amsterdam, Netherlands

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B

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I

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cocolo

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I

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Horsholm, Denmark

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London, United Kingdom

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Berlin, Germany, Germany

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Peter R

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Zurich, Switzerland

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Gab

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AA

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RB

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Wade

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JD

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DN

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Canandaigua, Ny, United States

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Mouhamed

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MG

Meron Gribetz

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MM

Marshall M

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MH

Matt Harris

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Paul

Seattle, United States

JD

Jeff DePree

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Oliver Hasenberg

Iserlohn, Germany

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albert

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kristina

Dneprodzerginsk, Ukraine

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Nikhil

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RR

Ria Rose

New Zealand

ME

Manaal Eisa

Washington DC, United States

RM

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Utrecht, Netherlands

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Solon Brown

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D

David

Chicago, United States

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Alicante, Spain

Robin Padberg

Pétion-Ville, Haiti

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patricio

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AH

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LD

Laura Dobroth

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RobLu

Michigan, United States

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BS

Brad Syverson

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D

David

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Steven Hill

Barcelona, United Kingdom

Rosario von Li

San Jose, Ca, United States

A

Andrei

United States

M

Mark

United States

MC

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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

Ask Benson 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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  • Benson    Jun 22, 2021

    Financial challenges

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  • Lilian    May 29, 2021

    Benson didn't pick his call but I have spoken to menthusuela who has promised to check on him

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  • Lilian    Apr 24, 2021

    Halo lenders, Benson and his references haven't picked up their calls.. will try again

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  • Benson    Mar 19, 2021

    Due to financial constraints

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  • Lilian    Mar 16, 2021

    I had a good conversation with Benson today whose business went down completely.. but promises to pay as little as he can until he is established

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  • Benson    Mar 2, 2021

    Financial challenges

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  • Benson    Feb 4, 2021

    Lenders I may not be able for this time due to low income.

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  • Lilian    Jan 29, 2021

    I have spoken to Benson who says that he has been trying to reschedule payment to a lower amount but it's in vain so he just pays what he can pay until the system is corrected thank you

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  • Benson    Dec 8, 2020

    Will catch up later

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  • Lilian    Nov 21, 2020

    Halo lenders, I didn't find benson on phone but Managed to talk to faith nduta one of her references.. who explained to me that his cows died and he lost his job too ,, so he is struggling to put food on the table at the same time get money to repay his loan.. faith promised to talk to him to be informing lenders on how things are on his side

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  • Benson    Oct 22, 2020

    Will catch up soon

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  • Benson    Aug 29, 2020

    Some difficulties

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  • Benson    Jul 9, 2020

    Financial fix due to vovid

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  • Benson    May 28, 2020

    Corona

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  • Benson    Apr 11, 2020

    due to unavoidable circumstance

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  • Benson    Feb 14, 2020

    small problem

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  • Benson    Jan 12, 2020

    Small problem

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  • Benson    Oct 30, 2019

    small problem

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  • Benson    Sep 12, 2019

    am still not doing well please

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  • Benson    Jul 4, 2019

    financial problem

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