To purchase a milking machine for my dairy business

Ruth

Gilgil, Kenya

26% repaid

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How it Works

Entrepreneur

Name

Ruth

Member since

May 2013

On-time repayments

233 installments • 64%

About Me

My name is Ruth Nduku Thiongo. I was born on August 24th 1980 at Lare in Njoro Nakuru county. I attended Subuku Primary School and later St. Martins Secondary School for my O levels. After school I joined Njoro Home Craft for a course in basic of agriculture. I was employed by a large scale farmer in Elburgon which is far from my home for 6 years. It is in this farm that I was able to very much advance my farming skills. In 2010 I went back to my parents home who had relocated to Gema farm in the out skirts of gilgil town and started commercial farming and in 2 years down the line I was able to purchase a piece of land where I do the same to date. I look forward to be a zidisha member.

My Business

My business is basically farming at my farm in Gema scheme in gilgil town. I grow green vegetables, kales, cabbages, potatoes, onions, tomatoes and more recently I am growing asparagus and mushrooms which is become more popular among many communities in Kenya. I started commercial farming after I realized there was a great demand for these produce in all urban areas where no food is grown. I also carry out dairy farming. I have 8 milk cows which gives me between 20 and 28 liters of milk daily. I sell my produce at farm gate prices to retailers who came to correct from as far as Nairobi. For the milk it is collected every morning by Brookside dairies were I am paid at end month. The income I get from the farm is substantially good because I am able to educate my son and support my aging parents. I have also been able to build a house where I live in. The only challenge I face is luck of a proper cooler to preserve all my produce from going into waste during hot seasons. With zidisha platform I will be able to overcome these challenges.

Loan Proposal

Thanks once again, I am borrowing my forth loan from you all my lenders, I am intending to spend US$ 450 to hire purchase a milking machine to help me in milking my cows instead of doing it manually, a method that has always been very slow and tiresome. Again this will improve the quality of my milk in terms of hygienic purposes. The remaining US$120 will go into purchasing fodder and vitamins supplements for my cows. The money I get through sale of milk will help me clear the remaining balance and pay back my loan. I urge you to stretch your generous hands by contributing towards filling my bids in time. Thanks in anticipation.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$580.00

Date disbursed

Aug 22, 2016

Repayment status

Late

Projected term

23 months

Other loans

Lenders

The Zinc Team

San Francisco, United States

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Ruth Aug 17, 2016

Thank you so much my lenders for accepting to fund my bids in time. for this loan i will pay a deposit of US$ 450 to acquire a brand new milking machine. this will help me in my milking my cows something i have always done manually. this will improve the quality of milk in terms of hygiene for it will no longer contain residues of milking jelly. the remaining US$120 i will buy stock of fodder to feed to my cows when milking them. sincerely this will help me a lot in business where i project to do better this second half of the year. May our almighty God fill your Hearts with love and more blessings. Thank you.

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Ruth Aug 14, 2016

I would like to thank you all my lenders from all comers of this world from USA, Canada, great Britain, Ukraine ,turkey etc to mention but a few. You are so dear to me. Your continued support has risen me from rugs to whom I am today. The money you lend me has made me a proud owner of various investments that are viable all the time, with my previous loans I was able to purchase two more milk cattle’s to boost my milk production I bought one aryshire and one Guernsey increasing the same into twelve in number so far. These kinds of breads are doing very good by yielding 32 liters of milk daily this gives USD 17 very day. These make me to afford fodder and any other over head cost of running the business. I thank you and urge you to continue lending to realize my life time dreams, may God bless you.

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Ruth Apr 2, 2015

I take this opportunity to call upon all lenders to came and fund my bids. it is only 5 days left before the expiry of my loan application. by filling my bids before then, will be very helpful to my farming business as this will help me to purchase seeds and fertilizer to plant in time as the long rains season have started. this is usually the planting season here in Kenya. i also take this opportunity to wish all of you a happy blessed Easter. Thank you.

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Ruth Apr 1, 2015

Thanks to you all my lenders, it is only 7 days left to expire of my loan application, i urge you all to support me in this effort to realize my dreams. the long rains have started here in Kenya and i need to purchase seed and fertilizer to plant in time, for the milk cows, i have already prepared the shade to keep them, i look forward for your generous contribution towards filling my bids.

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Ruth Mar 25, 2015

Thanks to all my lenders, i have just completed paying my loan. the loan was so helpful to me in sustaining and expanding my business, i was able to increase the acreage of which i grow my vegetables for sale. i was also able to purchase two more daily cattle to boost my milk production which has become more popular among my customers. My the deep freezer is also doing me good by helping to preserve and freshening the milk to my customers satisfaction. all these would not have been possible without your generous lending hand. God bless and happy Easter.

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Alexandra Feb 19, 2014

Ruth, Thank you for your recent payment. You are paying your loan back well ahead of schedule. Your new cows must be producing lots of milk! What vegetables are you currently growing?

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Ruth Aug 28, 2013

Thanks to you all my dear lenders for accepting to fill my bids once again. i will purchase two more milking cows to increase my production in milk this will lift my profits threefold which will help me pay back my loan on time while maintaining a steady growth in my commercial farming business. May our almighty God bless you all.

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Ruth May 6, 2013

Dear lenders i am greatly impressed to join zidisha thanks to the entire team for initiating such a wonderful platform. i now have a chance to grow and expand my commercial farming business. i will buy hybrid seeds to grow maize. beans. potatoes. cabbages etc i will also increase the number of mushrooms and asparagus which is becoming more popular among the local community. this will definitely attract more business hence increase my profits for a better returns. the profit s i will, i will use to pay back my loan and also as a rollover investment in the same field to improve my livelihood. I wish every one of you Gods speed,favor and do well in all you daily endeavors.Thanks a million times.

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