eunice ngetha

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

I have a family of three children and we reside at Embakasi.I am a business lady.I started my business in order generate income to meet my living expenses.I purchased a piece of land.

About My Business

I sell detergents to institutions and individuals.I make the best quality.My monthly profit is kshs 800000.

My Loan Proposal

increase stock by making more detergents Buy motorbike for transportation to various destinations

Feedback

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Date By Feedback Rating Comment Edit
Mar 22, 2013 rebecca Positive Good job Eunice! Best of luck in future.
Mar 18, 2013 Ginoir Positive A model Zidisha borrower, in my opinion - I would be very happy to support Eunice again in the future, if requested.
Mar 18, 2013 eagle3 Positive I appreciate Eunice's dedication and commitment to repaying her loan. The interest she payed will go to help others work toward their independence. This was a totally positive experience.


Comments

If you would like help in communicating with eunice ngetha, you may post a message in the profile page of eunice ngetha's Volunteer Mentor, John Musevu. Volunteer Mentors are Zidisha borrowers or residents of borrowers' communities, who volunteer their time to assist new members to interact with our website.
 

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John Musevu   Apr 05, 2014

Hi,Eunice is doing ok,she promises to be upto date soonest end of this month

pentatonicscale   Apr 05, 2014

Thanks for keeping us up to date, John.

Dear lenders,
My name is Analin Saturria McGregor and I'm Zidisha's Country Liaison Manager.
Holiday seasons involve traveling in almost every region in the world. Developing countries, including Kenya, are no exception - very often this is the only time in which extended families come together and those who live abroad come visit. For some business owners it means great opportunities for additional business, as the number of people in their area increases. The opposite is also true - the holiday travel can bring significant decreases in the number of people in a village and affect business activity.
Eunice sent us an email explaining she is going through just that. Many of her clients are out of town during the holiday, which has greatly affect her income. She does not expect this to be a permanent problem, as her clientele should be back to normal once they are all back home from the holidays. We have reminded Eunice to notify us if she comes across any issues that might affect her loan payments in the longer term.
Happy holidays and thank you for your support of our entrepreneurs.

Dear Lenders,

my name is Roberta Zenere and I am a Kenya Country Liaison Intern at Zidisha.

Today we have received a SMS from Ms Ngetha. She informed us that she is sick and under medication. For this reason, she will be unable to send her repayments on time.

All the Zidisha Team wishes Ms Ngetha a prompt recovery.

Lenders, if you have any questions, don't hesitate to contact us.

Thanks and best regards.

Roberta
Zidisha Volunteer

Hello Eunice,
Congratulations on the full funding of your new loan. I thank you for sharing your money, time and money with your adopted children. Every drop will someday make an ocean. One kind deed helps us all. Please be careful around the chemicals.
Best wishes for health, success and prosperity, Ann

Thanks, Eunice for the repayment of your loan. I appreciate your hard work and commitment. The interest you paid on the loan will go to help others like you to become more independent and to better their community. Best wishes for continued great success.

eunice ngetha   Mar 22, 2013

I take this opportunity to thank you for changing my life and my entire family.
Through this loan i was able to expand my business just as intended .
I am also able to help ten young children below 10 years by feeding and clothing them for their parents had passed away due to H.I.V. AIDS.
I am also intending to use part of my profit to take them to school.
May God bless you.

eunice ngetha   Feb 01, 2013

The loan advanced to me has greatly improved my business as well as expanding it.Thank you and may God bless you.

Congratulations, Eunice, on your good work. It sounds like you are really working to improve the conditions in your area. Keep up the good work. Best wishes from our family of four childred and 8 grand children.

Dear lenders,

My name is Achintya Rai and I am Zidisha’s current Kenya Client Relationship Intern. On 7th March I met Eunice Ngetha in Embakasi area of Utawala in Nairobi.

Eunice was part of a Self Help Group that taught its members to make detergents and disinfectants. Eunice later started her own business of making these and selling at prices lower than the market. The detergents and disinfectants Eunice makes are used by hospitals and schools to wash floors, clothes, utensils and lavatories.

The chemicals Eunice uses are dangerous to store so she buys them only after she has received an order. And she receives many of them. She said to me “Even if I go to America I’ll find an order!” I have no doubt she will because Eunice is one of the most confident persons I have met here.

Eunice told me about an incident which confirmed to me that she is a great marketer. To transport drums of detergents to faraway places, she loads them in public buses and the customer unloads them at his location. She once lost 25,000 Kenyan Shillings worth of detergents when the customer told her he never received it. But she never complained. And now she has very good relations with this customer.

Eunice found Zidisha on her own. Her earlier loans were very costly so when she needed capital for her business she ‘googled’ it and found Zidisha. When I met her she had not yet received the disbursement of her loan but she planned to use it to buy chemicals for this big airport contract she had recently got.

Her husband is the principal of a school in Machakos where Eunice also used to work as a matron. She left that job and shifted to Nairobi when the business picked up.

Eunice has three children, two of whom are studying. She has also adopted five children. Three of these are orphans in her village and the other two are bright students from a school she went to sell her products to. The principal told her that these students couldn’t afford their school fee and Eunice readily decided to sponsor them. This is one trait I have found common in many Kenyans, this incredible desire to share their wealth.

Eunice’s dream is to build a school. She told me that she has already bought 3 acres of land in an area called Embu for this. I expect great things from Eunice. With her energy and her desire to help others, I wish she succeeds in whatever endeavors she undertakes.

Achintya
Nairobi
9th April 2012

I applaud your efforts to improve yourself and your family through your own hard work and persistence. Best wishes for great success.

eunice ngetha   Feb 09, 2012

Thank you

eunice ngetha

EMBAKASI, Kenya

100% Repaid

About This Loan

Loan Principal Disbursed: USD 995.94
Date Disbursed: Mar 9, 2012
Repayment Period: Number of months or weeks from disbursement until loan is fully repaid 12 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 8.54 (0.86%)
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 49.80 (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 58.33 (5.86%)

Funding

Lender Name Amount (USD) Interest
rebecca
(236)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.
20.000.00 %
morgenstern
(1,239)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.
685.240.00 %
joerg
(154)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.
5.002.50 %
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.
20.002.50 %
Benedicte Monroe
(392)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.
12.702.50 %
grizu
(50)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.
1.002.95 %
eagle3
(351)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.
60.003.00 %
Johnny
(192)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 %
Ishaque
(636)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.
27.003.00 %
catootje
(79)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.
15.003.00 %
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.
20.003.00 %
MShale
(13)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 %
Ginoir
(399)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 %

Repayment schedule


Repayments due as of Apr 20, 2014:  USD 0
Total repaid as of Apr 20, 2014:  USD 369
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 09, 201233.55May 13, 201233.55
Jun 09, 201233.55May 13, 20120.78
  Jun 11, 201232.77
Jul 09, 201233.55Jun 11, 20120.57
  Jul 11, 201232.97
Aug 09, 201233.55Jul 11, 20121.35
  Aug 27, 201232.20
Sep 09, 201233.55Aug 27, 20120.41
  Sep 13, 201232.48
  Oct 11, 20120.67
Oct 09, 201233.55Oct 11, 201231.83
  Nov 19, 20121.72
Nov 09, 201233.55Nov 19, 201230.15
  Dec 13, 20123.40
Dec 09, 201233.55Dec 13, 201229.08
  Jan 11, 20134.46
Jan 09, 201333.55Jan 11, 201328.63
  Feb 07, 20134.92
Feb 09, 201333.55Feb 07, 201331.74
  Mar 15, 20131.81
Mar 09, 201333.55Mar 15, 201333.73
Total Amount Due369.03Total Paid Amount369.22