Zidisha |

Josphine

Kandutura Waka., Kenya

62% repaid

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How it Works

Entrepreneur

Name

Josphine

Member since

December 2011

On-time repayments

46 installments • 9%

About Me

I am 56yrs old married with 10 children 6boys and 4girls. Although I am old I am still in the business field in order to help my husband to support our family. I have been in Kandutura in Rongai for more than 25yrs. Due to the low income from the garden I decide to start the little general shop which helps us a lot. When my husband goes out to find work to do(casual labour) I just remain at home running my shop. My plot no. is 58.

My Business

As I' ve said I am running a general shop which helps the residence instead of going to the neighboring cent re. People really buy my shop and I normally stock the items that are required in domestic in daily bases. What I do get, I buy stock and support my family among other expenses. For the years I have been in this business, I can't say anything concerning with risk.

Loan Proposal

When I receive the money I want to extend my shop"s building and build it in an attractive way, That will cost me kshs. 40,000 buying materials s.g cement, sand, timber, iron sheets, nails among other things, The remaining part of the money, I will add my stock in order to serve my customer well. My stock will include sugar, cooking fat, tea leaves, maize flour, wheat flour etc.

Feedback

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,200.00

Date disbursed

Aug 10, 2012

Repayment status

Late

Projected term

42 months

Other loans

Jan 2012: $598

Lenders

Julia Kurnia

Sterling, Virginia, United States

rebecca

Chapin SC, United States

nani

austin, United States

Lauren Rosenbaum

Washington, DC, United States

CWS

Huntington beach, ca, United States

Stuttgart, Germany

Arezzo, Italy

Halle, Germany

Lausanne, Switzerland

Ishaque

New Jersey, United States

ahnante

Yokohama, Japan

chkuo

Taipei, Taiwan

BrassHat

Boston, United States

KaraM

Somerville, United States

Annabel

New York, United States

snapcore

--, United States

Hope2012

United Kingdom

catootje

Zoetermeer, Netherlands

Sydney, Australia

sao carlos, Brazil

Helsinki, Finland

London, United Kingdom

louisela

Eugene, Oregon, United States

jyoshiyama

Hilo, United States

Flobe

Portland, United States

Cordula

Cologne, Germany

kathy207

South Portland, United States

evanglend

Arlington, United States

Purllyn

Dillon, United States

MakeSense

-, St. Kitts and Nevis

oasis

Boise, United States

quozl

Dublin, Ireland

lped759

Saint Paul, United States

Lucy2012

London, United Kingdom

PeteMx

Los Angeles CA,, United States

tmisch

San Jose, California, United States

Anonymous

Spain

PascalC

Leuven, Belgium

rfcno

New Orleans, United States

Ask Josphine 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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Pst.joseph Apr 5, 2014

Although her business has gone down abit she told me there was a confusion on the side of the payment but we are going to make it in the way it is supposed to be.

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Josphine Dec 9, 2013

I am very sorry because I have no met what I promised but this happens because of family issues and the business going down the way I was not expecting. Now my business is in a position of paying 3000 per month as I have been paying for five months now. With God help I promise to finish this loan without fail. Please Lenders just bear with me.

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- Hope2012 Dec 9, 2013
  
  That's fine don't worry just do your best.
  
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- rfcno Feb 7, 2014
  
  Josphine,
  
  As I said in June all that matters is you are able to earn enough to live on -- I know you will repay the loan when you can. I hope your business prospers and soon provides you enough to make repayments but PLEASE do not feel distressed! Good luck!
  
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- rfcno Feb 7, 2014
  
  Josphine,
  
  As I said in June all that matters is you are able to earn enough to live on -- I know you will repay the loan when you can. I hope your business prospers and soon provides you enough to make repayments but PLEASE do not feel distressed! Good luck!
  
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Josphine Jun 4, 2013

Please Lenders I didn't do as I said in my application but this happened because my business was affected during the election time and up to now it has not resumed fully. I saw it is fare to reschedule in order to pay the remaining amount. Once again bear with me but I do promise to pay as rescheduled.

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- rfcno Jun 10, 2013
  
  Hi Josphine,
  
  All that matters to me is your success in growing your business. I know when sales increase and you have more regular customers repaying the loan will be easier. We have a saying here, "you cannot squeeze water from a rock," meaning if water is not available it is not possible to make it appear. If you are making enough to pay your expenses and have food, a roof over your head, and other necessities I am happy. That is most important.
  
  I trust and hope your efforts will be more successful soon. Good luck!
  
  Robert
  New Orleans, LA USA
  
  P.S. Please do not be alarmed by my photograph! It is from an old movie about a very naughty little girl who is very greedy. That is how I view most forms of Capitalism -- very greedy. Zidisha is one example of Capitalism I support!
  
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Josphine May 31, 2013

Dear Analin,,due to an avoidable circumstance my business has really dropped,therefore i have decided to request humbly for reschedule of my loan in monthly payment from nine thousands to six thousand. I m sure if adjusted that way i will push on without any delay in payment in the time line. In connection with the business in this area it takes time to shoot up.Customers are so low in economy,cos much of their money is put in their farming system.Further to that my last year income was below average where i have really struggled to reach the far i have shown in repayment.Finely
i would be comfortable if repayment period is prolonged from one year to a year and a half commencing from the month June 2013.Please i hope you will bear it with me. Thank you in advance.

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Cordula Oct 15, 2012

Dear Josphine, thank you very much for you explanation with respects to rescheduling your loan. I wish you much success with your business and I am looking forward to hearing how it goes in the future!
Best regards
Cordula

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Josphine Oct 15, 2012

Due to important part that have to be put in place within two months, it is my humble re guest to be give another two months grace period to be able to cover as planned.The main reasons are as follows,i need some extension to make the shop more expanded so as to attract more customers in feature.Also i want to train for the best of my business .

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- Hope2012 Oct 15, 2012
  
  Absolutely no problem hope it goes well
  
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J
jyoshiyama Aug 10, 2012

Congratulations, Josphine. Good luck in expanding your business. I'm happy that Your loan has been funded. I look forward to reading more about your progress. God bless you!

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J
jyoshiyama Aug 10, 2012

Congratulations, Josphine. Good luck in expanding your business. I'm happy that Your loan has been funded. I look forward to reading more about your progress. God bless you!

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Josphine Aug 6, 2012

I fill great honoured by the contributers for the effort shown.May the bless hand of my God be above them.God bless you when the remaining bit succeed.Thankyou in advance.

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Josphine Aug 2, 2012

I am gland to see the progress that the contributors has shown,May God bless them mightily. Thank you in advance.

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Josphine Jul 28, 2012

Iam happy to see the progress i have made since i qualified with the first loan.It is my trust that it will be of great help when i will get the second loan.There are some extensions to be made,so that the area of work can extended to give more space to keep the items in a visible and accessible area.May God bless the entire Zidisha for the good work their doing to the community.God bless Zidisha as well as my business.Thank you in advance.

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Josphine Mar 28, 2012

Thanks for the assistance that I was given by Zidisha for promoting my business.
From what I got, I managed to construct a permanent building (shop) and the rermaining amount I added the stock.

Once again thanks to the lenders

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Josphine Mar 26, 2012

I am very gland because God is blessing the work of my hands by bringing customers to my shop.

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- SCortez Mar 26, 2012
  
  I am so glad to hear that things are going well for you. Thank you for keeping us posted.
  
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SCortez Feb 1, 2012

You are very welcome. May God bless you also.

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Josphine Feb 1, 2012

thank you for granting me . May God bless you.

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- Josphine Aug 8, 2012
  
  It is my hope that through the contributors effort ,my long waited loan Will come to being soon.My aim is to start construction soon as i receive the cash.May the Lord bless the work of their hands as they make their final touches.Thank you in advance.
  
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