Everlyn
Mombasa, Kenya
100% repaid
Name
Everlyn
Member since
February 2015
On-time repayments
308 installments • 94%
My story begins in small village called Nyakach where I grew up. I was raised in a family of five – 3 females and two males where I am the last born. Nyakach is a typical rural Kenya with no amenities worth talking about. I went to primary and later secondary school and I always knew that if given the chance to break free, I would most certainly jump at that opportunity.
This opportunity came after finishing my secondary education when I went to live with my sister in Mombasa – 800 kilometers from home. My life took a drastic change in Mombasa city where I was exposed to the comforts of urban life like tap water and electricity for the first time.
My sister was kind enough to sponsor me to a computer college where I did a short course in computer applications. I later got a job as a computer operator after finishing the course. While still working, I enrolled for a Diploma course in Business Management on part-time basis.
I secured another job after completing my Diploma course where I was employed as a Personal Assistant in a printing firm. I also started a cyber café after quitting the first job and I am still running this place with the help of one employee.
I am also hoping to do a Degree course in near future, time and finances allowing.
I run a small cyber café in Mombasa town where I deal with bureau services as well as offering cyber services like browsing and sending emails. Mombasa is big city with a large population and the demand for cyber services is quite high. I saw this opportunity while doing my first job and the business has been doing well.
Apart from cyber services, I also offer photocopying and typing services. All these activities combined give me a gross income of about $500 per month and the expenses gobble about half of that. I use the ‘take home’ amount for my upkeep and send some to my aging my parents back home.
This figure can easily go up if I introduce more services like lamination and book binding. For this reason, I decided to seek credit services hence the reason for joining Zidisha.
I will use this Zidisha loan in the following ways:
1. Buy a laminating machine @ $40
2. Buy a spiral binding machine @ $50
The money I am going to receive is slightly less than this budget but I will top it up with my savings. I am hoping that this loan will mark my entry point into Zidisha system and I hope to benefit with bigger loans in future to help me grow my business and to enable me do a degree course which is my next frontier.
Positive
1
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$100.00
Date disbursed
Mar 9, 2015
Repayment status
On Time
Projected term
4 months
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Amount repaid
$102.24
Amount remaining
$0.00
Date repaid
Jun 17, 2015
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Mar 22, 2015 | $5.37 | Mar 9, 2015 | $5.37 |
Mar 29, 2015 | $5.37 | Mar 9, 2015 | $5.37 |
Apr 5, 2015 | $5.37 | Mar 9, 2015 | $5.37 |
Apr 12, 2015 | $5.37 | Mar 9, 2015 | $5.37 |
Apr 19, 2015 | $5.37 | Mar 9, 2015 | $5.37 |
Apr 26, 2015 | $5.37 | Mar 9, 2015 | $5.37 |
May 3, 2015 | $5.37 | Mar 9, 2015 | $0.73 |
Mar 22, 2015 | $4.65 | ||
May 10, 2015 | $5.37 | Mar 22, 2015 | $5.37 |
May 17, 2015 | $5.37 | Mar 22, 2015 | $0.97 |
Apr 26, 2015 | $4.41 | ||
May 24, 2015 | $5.37 | Apr 26, 2015 | $1.09 |
May 12, 2015 | $4.29 | ||
May 31, 2015 | $5.37 | May 12, 2015 | $5.37 |
Jun 7, 2015 | $5.37 | May 12, 2015 | $5.37 |
Jun 14, 2015 | $5.37 | May 12, 2015 | $1.45 |
May 28, 2015 | $3.92 | ||
Jun 21, 2015 | $5.37 | May 28, 2015 | $5.37 |
Jun 28, 2015 | $5.37 | May 28, 2015 | $1.69 |
Jun 9, 2015 | $3.68 | ||
Jul 5, 2015 | $5.37 | Jun 9, 2015 | $5.37 |
Jul 12, 2015 | $5.37 | Jun 9, 2015 | $1.93 |
Jun 17, 2015 | $3.44 | ||
Jul 19, 2015 | $5.37 | Jun 17, 2015 | $5.37 |
Jul 26, 2015 | $5.52 | Jun 17, 2015 | $5.52 |
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