jane wambui kabugo

About Zidisha Profiles Zidisha entrepreneurs write their own loan profiles and provide their own photos. English is not usually their first language, and many had to overcome great obstacles to obtain an education. Additionally, many do not have cameras and own only a small number of personal photos. As a result, the profiles are not always as polished as on other websites. To keep profiles genuine, Zidisha staff do not make any edits, with the exception of titles for clarity and English translations.

My Story

:Jane wambui kabugo
Nationality : Kenyan
Sex : female
Status :Married
Age :26
Phone no. :0722914775
Locality : Nakuru county, Gilgil district,miti mingi location, miti mingi village.
Am married to Joseph kabugo. We have two sons. First born in class seven and second in class three.
Educatin.

About My Business

After marriage i decided to start a business to uplift my familys living standard. I have a cosmetics shop and some of my wears include hair waves, shampoo shoes and oils. After runnning the business for three years i have been able to buy a cow, furnitures, a piece of land besides affording my kitchen items.I have been able to assist my husband financially to build a two roomed house. So far my business is doing well but not without challenges. The recent tribal clushes and persistant drought that lasted for two years had negative effect on my customers purchasing power. Sales were down for a period streching to mid this year. With anticipated high harvest this season, i have a slightly high than normal flow of customers.

My Loan Proposal

I appreciated alot with the previous loan you offered me. I want to buy a cow worthy 150,000 and I want to sell the one I have at home since its old. The cow I want is a fresian cow which wil give me thirty litres of milk per day that why i want the maximum and i will add the rest to maintain the cow. thanks in advance

Feedback

View Less

Date By Feedback Rating Comment Edit
Sep 16, 2013 Elinor Positive Ms. Kabugo was on time or ahead of schedule for the entire period of the loan. It was much appreciated.
Aug 20, 2013 LaBretonne Positive Thanks for repayment, well done.
Aug 15, 2013 LadyofHats Positive i would happily lend again
Aug 14, 2013 ploeger Positive repaid on time and ahead of schedule
Aug 13, 2013 KakkoiiCali Positive Congratulations on repaying your loan!
Aug 13, 2013 Kitty Positive repaid early well done would loan again


Comments

 

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jane wambui kabugo   Jan 21, 2014

hi zidisha. i am greatful for everything and my business is running well. am not readly able to post comments since my phone cannot access internet. thanks in advance

Hi Jane, thanks for letting us know. I hope both the stall and the saloon is thriving!

jane wambui kabugo   Aug 24, 2013

thanks alot zidisha for the funding. may God bless you. i have accepted the bides and now waiting for the money. thanks in advance

jane wambui kabugo   Aug 01, 2013

hi zidisha! thanks for the comfort and your understanding. i will pay the remaining amount by next week inorder to reapply. i am requesting to apply a loan of 250,000 kenyan shilling after paying my balance. thanks in advance to zidisha team

jane wambui kabugo   Jul 24, 2013

hi zidisha i have paid 10,000 kes today and i will pay the balance before the end of this month inorder to reapply by early august. thanks in advance

jane wambui kabugo   Jun 24, 2013

am very sorry for not posting the comments. this is because am not readily available to internet access. the place i can access is far and thus always delay. bear with me.

jane wambui kabugo   Jun 24, 2013

Hi julia! its only to thank you and your team for allowing me to get loans from zidisha. so am very happy for uplifting me businesswise and also to have a fresian cow in my home.its been a pleasure. as i prepare to clear my current loan to enable me take another loan. its my prayer and hope that you will consider me. May God bless you and your team.

Thank you so much for making your payments on time. I hope your new Friesian is staying healthy and giving you a lot of milk!

July 14, 2012

Hello, my name is Traci Yoshiyama, Zidisha’s Kenya Client Relationship Manager. I am currently residing in Mugaa, visiting Zidisha borrowers in nearby villages.

“I’m very hard working,” says Jane Wambui without a tinge of boastfulness, but rather a sense of pride. Rightfully so, Jane is 27 years old and already a successful businesswoman, not to mention a mother of two. Jane and her husband own a kinyozi (salon) and a produce stall in Miti Mingi. As Jane and I speak from her stall, we peer across the street at the kinyozi where we can see her husband cutting the hair of a young gentleman. In another minute, Jane gets a customer wanting to buy bananas, evidence that their two businesses are thriving.

Jane is an experienced Zidisha member, already repaying her 2nd loan. She comments on how she finished repaying her first loan 4 months early, and she anticipates following this example for her second. The creation of her family’s kinyozi was possible because of Zidisha. Through her first loan of Ksh 50,000, Jane was able to rent a space, buy all the necessary machinery (i.e. shavers, razors), stock her store with hair products and shoes, and even buy two batteries that enable her shop to stay open during the frequent power outages. While her husband is in charge of styling the men, Jane takes care of the children haircuts when not working at her produce stall. We have all heard of children being fearful of haircuts, with scissors too close for comfort and strange noises and smells permeating the air. Jane gestures towards her face, implying this is the answer to their haircut jitters. Although both Jane and her husband have no formal training in barbering, she explains to me that, “some courses come from the heart”. To further prove how hard working she is, Jane speaks about her two cows, one of which was bought with her second Zidisha loan. With the milk from her cows, she is able to make Ksh 15,000 a month, which then assists in paying for school fees (both boys are in boarding schools) and rent for her kinyozi.

Upon leaving, Jane reaches for a banana, the ripest of the bunch, and gives it to me as a gift. Refusing to take my money, she makes me promise to visit again, even extending an invitation to her home. As I make my 6km descent home, I think about Miti Mingi, one of the smallest villages I have seen in Kenya, but filled with people possessing the biggest of hearts.

jane wambui kabugo   May 28, 2012

HI! JULIA I DO HERE BY REQUEST YOU TO ALLOW ME TO BE REPAYING BACK THE LOAN AT THE END OF EVERY MONTH DUE TO BROOKSIDE PAYMENT. THANKS IN ADVANCE

jane wambui kabugo   Mar 22, 2012

HI JULIA THANKS FOR THE LOAN YOU HAVE GIVEN ME. I APPRECIATE ALOT AND NOW I WIL BE STABLE TO BUY A COW. I HAVE ACCEPTED THE BIDS AND NOW WAITING FOR THE MONEY. THANKS IN ADVANCE. JANE KABUGO

Hi Jane! I hope everything goes well for you with this loan. I also have dairy cows here in the U.S. Hopefully the Fresian will give you a lot of milk!!

jane wambui kabugo   Feb 28, 2012

Hi Julia! I Jane Kabugo has cleared my first loan balance.Am thankful for the loan you gave to me which was very helpful to me.It has rearly uplifted my business.I would like to apply for the second loan of 150,000 kenyan shillings of which I want to buy a freshian cow which costs 120,000 kenyan shillings. The 30,000 kenyan shilling will be for feeding and maintaining the health of the cow for great produce.Am now stable with my business thus hoping for a positive response.Thanks in advance Julia the Director zidisha organization. Jane Kabugo.

Hello lenders,

My name is Achintya Rai

On the 1st of February I visited Jane Wambui at her premises to see her at work and to talk to her. I found her at her shop where she sells vegetables and fruits that she grows mostly on her own Shamba (farm). She was dressed in smart slacks and a white t-shirt and greeted me with a firm handshake (this I found to be true for all women here- their hand-shakes are always full-bodied and firm- showing confidence and also warmth).
Jane appears to be quite enterprising. She, like most Kenyans, has a very strong desire to improve her lot and works really hard to make sure she and her family have the best that is possible.
She used the Zidisha loan and some of her own money to buy a good breed of cow. The cow cost her around 60,000 shillings (her loan was for 45,000 shillings), but gives around 20 liters of milk per day (at peak capacity), which translates to a revenue of around 15,000 shillings from the cow. She spends 5,000 on the cow and the remaining 10,000 shillings are her profit.
She has sent her two sons to boarding schools because she feels the quality of education is much better there. She told me that she paid the fee of 51,000 shillings for one of her sons and 28,000 shillings for the other. This appears quite steep to me, but she wants to make sure her children get the best education and will not compromise on this. She told me she wants one of the sons to be a lawyer and the other to be a doctor. I couldn't help feeling admiration for her.

With her next loan she wants to buy an even better cow. This would cost around 120,000 Kenyan Shillings but would give 40-50 liters of milk per day.

When I said bye to her, she offered me a banana, which was very nice and sweet of her.

Achintya
3rd Feb 2012
Mugaa Village, Kenya

jane wambui kabugo   Jul 22, 2011

Hi zidisha team. Am doing well.?

jane wambui kabugo   May 31, 2011

hi zidisha, so far am doing well. i have acquired everything i needed for my business.things are not bad so far thank u

jane wambui kabugo   Apr 14, 2011

Am very greatful for your response to my request. I can only promise to demonstrate my gladness through the use and servicing of the loan.I will keep you posted on my progress. Thanks.

jane wambui kabugo   Apr 09, 2011

So far so good. Thank you catholicnetworking, neffe and Anninymouse.I wo'nt let you down.

jane wambui kabugo

Nakuru, Kenya

100% Repaid

About This Loan

Loan Principal Disbursed: USD 1,226.01
Date Disbursed: Mar 22, 2012
Repayment Period: Number of months or weeks from disbursement until loan is fully repaid 18 months
Grace Period: Number of months or weeks between disbursement and first repayment installment 2 months
Total Interest Due to Lenders: This is the annual interest rate proposed by the borrower. Lenders may bid to finance the loan at the borrower’s proposed interest rate, or at a lower rate if they desire. If more bids are received than the amount needed to fund the loan, the borrower will accept the bids with the lowest proposed interest rates.

All interest rates displayed on the Zidisha website are expressed as flat percentages of loan principal per year the loan is held. For example, for a loan of USD 100, taken at 4% annual interest with a repayment period of six months, the total interest amount will be USD 100 * 4% * (6 months / 12 months) = $2.

The expression of interest rates as flat percentages of loan principal amounts is intended to make calculation of interest amounts more intuitive for borrowers and for lenders, and to facilitate comparison with other microfinance loans in borrowers' communities, the majority of which also use the flat rate methodology to express interest rates.
USD 41.78 (2.27%)
Borrower Transaction Fees: A transaction fee paid to Zidisha, expressed as a total amount and as a flat annualized percentage of the loan principal amount. USD 91.95 (5.00%)
Total Amount (Including Interest and Transaction Fee) to be Repaid: Interest plus transaction fees, expressed as a total amount and as a flat annualized percentage of the loan principal amount. USD 1,359.75 (7.27%)

Funding

Lender Name Amount (USD) Interest
Dianne
(151)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
13.000.00 %
CWS
(1,297)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
195.990.00 %
Koduck
(28)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
20.001.50 %
Delph007
(587)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
20.002.00 %
LadyofHats
(80)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
100.002.00 %
Benedicte Monroe
(391)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.502.00 %
alfredo
(148)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
100.002.00 %
mikedufty
(834)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
13.832.90 %
dancesflo
(34)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
5.002.90 %
dancesflo
(34)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
1.002.90 %
Errol
(277)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.002.95 %
LaBretonne
(97)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
9.522.95 %
LaBretonne
(97)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
5.482.95 %
erozlum
(139)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
2.422.95 %
Dipsius
(101)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
25.002.95 %
Tilius
(117)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
30.003.00 %
ploeger
(37)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
5.003.00 %
winfried
(122)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
25.003.00 %
akarwan
(3)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.003.00 %
Honey
(173)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
30.003.00 %
marvin24
(133)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.003.00 %
jeanbaptiste
(64)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
25.333.00 %
Tuomas
(18)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
20.003.00 %
winfried
(122)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
25.003.00 %
geoffk
(16)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
5.003.00 %
David2051
(234)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.003.00 %
KakkoiiCali
(88)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
25.003.00 %
Aahz
(248)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
36.003.00 %
Bena
(240)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
12.353.00 %
Christian
(473)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.003.00 %
Elinor
(354)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
50.003.00 %
jeffb
(463)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
70.003.00 %
MiguelGago
(289)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
12.583.00 %
vamPierchen
(714)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
28.743.00 %
redhoward
(112)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
24.083.00 %
Kitty
Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
10.003.00 %
Feldborg
(1,857)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
100.003.00 %
MiguelGago
(289)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
8.893.00 %
johnkinell
(10)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
11.293.00 %
TobyKenobi
(15)Karma is calculated on the basis of the total amount lent by the new members a member has recruited to Zidisha via email invites or gift cards, the number of comments a member has posted in the Zidisha website, and the total amount lent by a member.
20.003.00 %

Repayment schedule


Repayments due as of Apr 16, 2014:  USD 0
Total repaid as of Apr 16, 2014:  USD 1,360
Date Due Amount Due Date Paid Paid Amount The Paid Amounts displayed here are the local currency amounts received, converted to US Dollars at the exchange rate that was effective at the time the loan was disbursed. The amounts credited to individual lenders are converted to US Dollars at the exchange rate that was effective at the time each repayment was received, and due to exchange rate fluctuations they may be more or less than the amounts displayed here.
May 22, 201279.99May 20, 201279.99
Jun 22, 201279.99May 20, 20120.07
  Jun 24, 201279.92
Jul 22, 201279.99Jun 24, 20120.37
  Jul 22, 201279.61
Aug 22, 201279.99Jul 22, 20120.37
  Aug 22, 201279.61
Sep 22, 201279.99Aug 22, 20120.31
  Sep 23, 201279.68
Oct 22, 201279.99Sep 23, 20120.61
  Oct 23, 201279.37
Nov 22, 201279.99Oct 23, 20120.92
  Nov 23, 201279.06
Dec 22, 201279.99Nov 23, 20120.86
  Dec 23, 201279.13
Jan 22, 201379.99Dec 23, 20121.16
  Jan 22, 201378.82
Feb 22, 201379.99Jan 22, 20131.47
  Feb 24, 201378.51
Mar 22, 201379.99Feb 24, 20131.78
  Mar 21, 201378.21
Apr 22, 201379.99Mar 21, 20137.60
  Apr 23, 201372.39
May 22, 201379.99Apr 23, 20137.29
  May 23, 201372.69
Jun 22, 201379.99May 23, 20137.35
  Jun 24, 201372.63
Jul 22, 201379.99Jun 24, 20137.66
  Jul 24, 201372.33
Aug 22, 201379.99Jul 24, 201350.25
  Aug 12, 201329.73
Sep 22, 201379.99Aug 12, 201380.59
Total Amount Due1,359.74Total Paid Amount1,360.35