Buying farm inputs

Ludia

Nakuru, Kenya

64% repaid

Entrepreneur

Name

Ludia

Member since

March 2011

On-time repayments

130 installments  •  36%

About Me

My name is Ludia Wangui Ndegwa. Iam a mother of nine children, all are grown up except two who are in school higher learning (University College).we live at Bahati in Nakuru at place called matangi tisa . I started my education in bahati area where i was education to my secondary level. After completing my education i joined my parent in the business of farming that is where I got my first skill of farming business and i become interested in that business. then after got married immediately started to a farming business where i later got enough money to start new business of a general shop which i operate together with farming business it has been a joy to have a shop where i go i work all day i meet many different people where i spend my day so not only do i get an income but i still get satisfactions from that work. i like to read book during my part time i also like watching christian moves .

My Business

I have a business of dairy farming. For now I have two cows which give me around 20liters per day and cost of milk is 30 per liter so I get at least 600 per day from the income of milk and 18000 per month. This money I use for paying bills and educating my reimaing children also grow crops as part of my business where l get around 200000 annually from that kind of farming i get 400000 per a year from the work I do. I do not have a lot of expenses because I stay in my farm where we have built our home. i choose the above business because after school i helped my parent with same business so i got enough skill for that business and also i learnt about marketing and different seasons for different commodities. i would like to put new stock in my shop and also replace the finished stock. i will use all the money as follows kes 90000 for buying Rice, sugar, maize flour , wheat flour , soap both bar and powder etc I am hoping to receive more customers during the festival seasons.

Loan Proposal

i will buy seed and fertilize for planting because the rain has started i have already prepared the shamba and now I am waiting for the loan to mature that i ma able to buy seed and fertilizer hoping this time the lenders will consider me as they have always done . thanks zidisha lenders for the good work.

Feedback

23

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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,008.00

Date disbursed

Apr 23, 2016

Repayment status

Late

Projected term

12 months

Lenders

The Zinc Team

San Francisco, United States

Humble Bundle Community

San Francisco, United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

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  • Ludia    Sep 10, 2015

    when i first started taking the zidisha loan i got a good profit and i was able to expand my business where i opened a general shop where i do display my farming product and also mied with other different commodities from different places like sugar, tea leaves soaps etc. With the incoming loan i hope to expand this shop by puting a new stock and adding the existing stock.

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  • AWOL    Mar 5, 2014

    Hello Ludia, you said you want "to stock my business". Have you
    started another business besides farming? How do you plan on
    using this loan?

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  • Ludia    Feb 20, 2014

    my business have been doing very well of late and i would like to complete my payment by paying 39000 this will help me to clear my loan and may be focus on having another step in my business thank you zidisha team for the good work you are doing zidisha team you have helped many who be very much behind were it not for the loans you are lending. thank you very much as consider my request

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    • mewesten    Feb 20, 2014

      Hi Miss Ludia,
      That is wonderful news about your business doing so well.
      Good luck in the future,
      marvin

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  • mewesten    Sep 17, 2013

    Hello Mrs Ludia Ndegwa,
    I want to thank you for another loan payment that just cam in today.
    It is a good reminder to me to inquire about you and your farming.

    If you have a free minute I would be very interested in how you are getting along.
    Sincerely,
    marvin

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  • Ludia    Jul 4, 2013

    Thank you zidisha team for the third time loan I have received the loan and i will make good use of the loan to uplift my business thanks very much.

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  • Ludia    Jul 4, 2013

    Thank you zidisha team for the third time loan I have received the loan and i will make good use of the loan to uplift my business thanks very much.

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  • Ludia    May 22, 2013

    Thank you very much because of the way we have getting along together without any problem. For now my business I have been blessed and I would like to add my installment payment to 50,375. The loan has been of much help and it has helped me to uplift my business such that it has grown up to a stage where I can be able to pay an installment of 50,375. Thank you a lot for the Zidisha team and many thanks goes to the leaders.

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  • traciyoshiyama    Jul 28, 2012

    July 27, 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.

    The word of Zidisha has spread like wildfire in the surrounding villages of Nakuru. Although I may have scheduled two or three meetings, I always anticipate making unexpected visits to twice that amount, for the streets of these small towns are lined with Zidisha members. Such was the case today when I made an impromptu visit to Ludia Wangui’s general store in Bahati.

    Established in 1989, Ludia’s shop was but a mere kiosk selling fruits and vegetables. It was not until June of this year that Ludia expanded her business, now having her own shop with shelves stocked with tomatoes, onions, potatoes, bananas, eggs, sugar, unga, baking flour, tea, soda, candy, and much more. A large portion of this stock was bought with Ludia’s first Zidisha loan. Among her most significant purchase was a cow, which has allowed Ludia to sell milk in her shop, a commodity that every Kenyan cannot be without. Being on its first months, Ludia’s shop has not yet reached fruition, for she hopes to add shelves to a bare wall, with of course more items for her customers to enjoy.

    Having another Zidisha member to see (and another spur-of-the-moment visit to Ludia’s daughter’s shop), my time with Ludia was short-lived. Wanting to rejuvenate me for my remaining day in Bahati, she would not let me leave without treating me to a Fanta. She also did not want to pass up the chance to tell her lenders that she is thankful for all they have done and looks forward to continuing on as a Zidisha member for the years to come.

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  • seabass    Apr 18, 2012

    Congratulations on repaying your loan! You did an excellent job repaying on time.

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