Variety of cereals for my food kiosk

Graceann Kimaru

Nairobi, Kenya

94% paid forward



Graceann Kimaru

Member since

January 2017

On-time repayments

184 installments  •  91%

About Me

I am a first born in a family of seven children. Being a first born from a humble family, I had the responsibility of looking after my siblings as my parents went to work in coffee farms. I missed school my times to take care of house chores and lack of school fees.
To support my siblings and pay my school fees, I started selling green vegetables, making baskets and cooking chapatis for sale. I spent any free time during the day and evenings to study and I managed to do well in my studies both in primary and proceeded to secondary school and passed well. Through the businesses I was doing, I managed to take a course in dress making which helped to get a casual job in a dress making shop. From my wages, I saved money to start a food kiosk. Earnings from this kiosk has helped raise my three children, two boys and one girl.

My Business

I run a food kiosk where I sell foodstuffs such as madodo, mandathi, chapati, tea , githeri at mikimo to bodaboda operators, hawkers and workers at construction sites. There are a lot of people who are constructing new buildings as well as renovating old buildings thus employing a large number of casual labourers whom are my customers and I will be providing their meals like breakfast, lunch and 4 o'clock tea. I choose this business out of interest in cooking and providing services to people. Slot of expenses are on ingredients such as maize, beans, wheat flour, sugar, milk, potatoes, water, electricity, charcoal and house rent. My production and marketing cost is currently 65% of total sales and profits is 35%. I reinvest 60% of profit , 20% of profit goes to paying school fees and the other 20% goes to home improvement.

Project Proposal

I intend to buy a variety of Cereals for
My food kiosk in large quantities. They will enable me enjoy quantity discount thus improving my profit margins.





  • Mary    Apr 26, 2017

    Wonderful Borrower. I would gladly help fund another loan for Graceann!!

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Project Info

Project Type

Pay It Forward

Disbursed amount


Date disbursed

Sep 15, 2022

Cost to entrepreneur

Service fee: $11.05

Pay It Forward contribution: $33.16



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  • Graceann Kimaru    Jan 29, 2023

    Business going down due to economic depression and children going back to school leaving people with little disposable income.

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  • Graceann Kimaru    Jan 8, 2023

    Unable to pay due to low business at the moment leading to very low sales and stock turnover. Most people are still away since schools are not yet opened.

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  • Graceann Kimaru    Dec 13, 2022

    I am unable to pay because of low profits from my business. Many of my customers have travelled for Christmas holidays thus low sales.

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  • Graceann Kimaru    Nov 21, 2022

    I am experiencing slow business as a result of reduced customers.
    There has been a drastic change in customer purchasing power leading to low demand.

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  • Graceann Kimaru    Nov 6, 2022

    Challenges in my business at the moment. Due to the hard economic times, customers are buying less amounts leading to lower sales and hence less profit

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  • Graceann Kimaru    Oct 16, 2022

    Have been unwell and therefore not operating my business.

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  • Graceann Kimaru    Sep 15, 2022

    Thank you all of you for funding my project. This is will go along way to improve my business profits. I will buy a variety of Cereals in large quantities from wholesalers. This will increase my profit margin.

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  • Duncan Muya    Sep 12, 2022

    All the best.

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  • Josphat Karani    Sep 6, 2022

    God luck

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  • Graceann Kimaru    Sep 1, 2022

    Thank you all who funded my previous loans. The last loan helped me improve my food business alot. I was able to remain afloat amidst uncertainty due to national elections going on in my country. I was able to also continue paying my bills on time and with no stress

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  • Graceann Kimaru    Aug 19, 2022

    Slow down in business due election fever. I have experienced a decline in sakes due customer migration to rural areas but hopeful of resumption in normal operations as election issues as sorted out.

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  • Graceann Kimaru    Aug 7, 2022

    Low business due to elections anxiety. Most people have travelled to their rural homes and the remaining ones are not spending due to election uncertainty.

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  • Graceann Kimaru    Jun 19, 2022

    Business is low for now due to high cost of raw materials leading to reduced profits.

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  • Graceann Kimaru    May 20, 2022

    Thank you all for supporting me by funding my loan. I have received the loan with Thanksgiving. God bless you

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  • Graceann Kimaru    May 15, 2022

    Thank you who have funded my loan. It will go along way in helping me improve my business operations.
    Buying the tables and chairs will increase my customer sitting capacity which inturn lead to more sales more profits and high customer satisfaction .and

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  • Doug Henderson    May 14, 2022

    I wish you the best of luck and would like to hear from you about how you and your business are doing.

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  • Monica Mutheu    May 13, 2022

    best of luck!

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  • Graceann Kimaru    May 11, 2022

    Thank you all that funded my previous loan. It has made a big difference in my life and business. The new pressure cookers I bought has helped me reduce my operations costs by half. This has translated into higher productivity, less cost and hence higher profits.

    I request you to still fund my new loan to enable me buy tables and chairs business.
    Thank you in advance.

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  • Graceann Kimaru    Feb 8, 2022

    Thank you my lenders for your continued support. I received 21,735 Kenya shillings. This will go a long way in helping me grow my business.

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  • Graceann Kimaru    Jan 29, 2022

    Hello my project financiers. Thank you for your continued support, God bless you abundantly.
    The money will go a long way in helping me buy cereals in larger quantities and directly from farmers for food kiosk business . The will translate to a reduced buying and transport cost. The means a lower production cost and a higher profit margin.
    Once again thank you

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