Detergents for perfect cleanliness
Sarah
Juja, Highpoint, Kenya
100% repaid
Entrepreneur
Name
Sarah
Member since
March 2014
On-time repayments
297 installments • 36%
About Me
I wish to pass my gratitude to the lenders who supported me with my previous loan which went a long way to boost '‘THE PAT’s BEAUTY CENTRE’. The business has expanded and we have contracted one more employee who is helping us with 'NAIL ART'. Besides stocking the beauty products, ‘THE PAT’s BEAUTY CENTRE’ have gone a ladder higher by introducing Nail Art services to our esteemed clients. We are doing the nail art at a subsidised rate for the Jomo Kenyatta University Students who form a base of clientelle.
My Business
I wish to thank the Zidisha team for their previous loan extended to me that I have just completed repaying. This amount helped us to boost our stock at the 'THE PAT’s BEAUTY CENTRE’. We are optimistic that given more loans by Zidisha community our business will prosper. We have a two years plan that we have laid down. At the end of the two years it is expected that THE PAT’s BEAUTY CENTRE’ will have expanded further.
Loan Proposal
I wish to take this opportunity to ask for a loan of USD 409.871. I have been talking to my friends who have been complaining about the high cost of living especially when it comes to items that are used in the house. One of the most crucial areas that people especially women care about is cleanliness. I therefore decided to give this business a trial by providing women and other households with affordable detergent for cleaning of floors and kitchen surfaces. I also target boarding schools, hotels and salons who use a lot of soap to clean their floor.
I have already established a reliable supplier in Nairobi town who will be supplying me the detergent at a cost of USD 0.65 per litre. In return, I will sell a litre at Kshs 1.079. Juja being located 40kms away from the Nairobi Business District, I will be using one of my friend’s car to ferry the detergent where the friend will only charge me fuel cost. I have partnered with a friend who lives in a different locality and together we have successful registered a business by the name HANRYHS SERVICES.
I am planning to employ one young lady who completed her form four education in 2014 and therefore have not joined university. I will be paying the lady USD 64.71 per month, I have rent a room where I will be paying USD32.4 per month as rent and USD 10.78 for electricity and water.
My target is to sell 300 litres of detergent per month therefore getting USD 323.59. If I subratct all expenses as follows; rent USD32.4, labour USD 64.71, labour USD 10.78 and cost of detergent USD 64.71, I will be left with USD 151, pay Zidisha loan at USD 16.17 per week, thus 4 weeks in a month (USD 16.17*4=64.71) and be left with a profit of USD 16.17
If given this loan, it will go a long way to boost my school fees to a degree course that I am undertaking at Jomo Kenyatta University of Agriculture and Technology.
I once again wish to thank the lenders for always lending me the money since I joined zidisha. Thank you very much.
About Me
I am a lady aged 32. I live in Juja town, 40 KM from the Kenyan capital Nairobi. I have a permanent job in one the Kenyan Private University. I wish to thank Zidisha for giving me my first loan which I used to boost my beauty products business. I have been able to increase stock at the ‘THE PAT’s BEAUTY CENTRE’. Currently we are selling earrings, bracelets, hair buds, necklaces, hair extensions, hand and body lotions, perfumes, nail polish among other beauty products. I am determined to see ‘THE PAT’s BEAUTY CENTRE’ blossom to greater heights in future. I have also enrolled for short course at Jomo Kenyatta University. The course title is ‘ENTREPRENUERSHIP’. This course will go a long way to polish my business management skills and also help realize my dream of opening a beauty products supermarket in Juja town.
My Business
At ‘THE PAT’s BEAUTY CENTRE’ (The business name) our motto is ‘VARIETY with QUALITY’. As the business blossoms, we are still increasing stock using our net profit which is currently at 92USD after paying USD33 rent, 5USD electricity bill and 22USD transport. I will commit to pay the loan with part of the net profit and use the remaining to plough it back to the business. The business has been in operation since December 2013 and the trend of profits has been encouraging. It is our sincere hope that if given consecutive loans offered at Zidisha, we shall be able to achieve our motto. As the business progresses, we are hoping to expand more and eventually open a beauty products supermarket in Juja town which will be one of its kind in the locality. ‘The Pats Beauty Centre’ aims at being a supermarket of ot its kind taking care of the modern woman by providing her with ‘classy complementary looks’ and outfits
The beauty market among women is a venture that is long term as women continue having the urge to look good and more presentable. A well dressed lady can only complement this with her jewelry which we offer at THE PAT’s BEAUTY CENTRE.
Loan Proposal
I wish to take this opportunity to ask for a loan of USD 409.871. I have been talking to my friends who have been complaining about the high cost of living especially when it comes to items that are used in the house. One of the most crucial areas that people especially women care about is cleanliness. I therefore decided to give this business a trial by providing women and other households with affordable detergent for cleaning of floors and kitchen surfaces. I also target boarding schools, hotels and salons who use a lot of soap to clean their floor.
I have already established a reliable supplier in Nairobi town who will be supplying me the detergent at a cost of USD 0.65 per litre. In return, I will sell a litre at Kshs 1.079. Juja being located 40kms away from the Nairobi Business District, I will be using one of my friend’s car to ferry the detergent where the friend will only charge me fuel cost. I have partnered with a friend who lives in a different locality and together we have successful registered a business by the name HANRYHS SERVICES.
I am planning to employ one young lady who completed her form four education in 2014 and therefore have not joined university. I will be paying the lady USD 64.71 per month, I have rent a room where I will be paying USD32.4 per month as rent and USD 10.78 for electricity and water.
My target is to sell 300 litres of detergent per month therefore getting USD 323.59. If I subratct all expenses as follows; rent USD32.4, labour USD 64.71, labour USD 10.78 and cost of detergent USD 64.71, I will be left with USD 151, pay Zidisha loan at USD 16.17 per week, thus 4 weeks in a month (USD 16.17*4=64.71) and be left with a profit of USD 16.17
If given this loan, it will go a long way to boost my school fees to a degree course that I am undertaking at Jomo Kenyatta University of Agriculture and Technology.
I once again wish to thank the lenders for always lending me the money since I joined zidisha. Thank you very much.
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Loan Info
Project Type
Classic Loan
Disbursed amount
$431.00
Date disbursed
May 20, 2015
Repayment status
On Time
Projected term
17 months
Lenders
Atlanta, United States
Lethbridge, Canada
Reston, United States
Farmingdale, United States
Chicago, United States
Gent, Belgium
Plainsboro, United States
tulare, United States
mayfield heights, United States
Brighton, United Kingdom
Silver Spring, United States
Brussel, Belgium
branford, United States
Canada
United States
United States
Moscow, Russia
United States
United States
United States
United States
Germany
Canada
Norway
Austria
Germany
Germany
United States
United Kingdom
United States
United States
United States
United States
United States
United States
United States
Amsterdam, Brazil
Italy
United States
Netherlands
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Summary
Amount repaid
$453.11
Amount remaining
$0.00
Date repaid
Oct 19, 2016
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| May 31, 2015 | $32.36 | Jun 2, 2015 | $32.36 |
| Jun 7, 2015 | $0.00 | ||
| Jun 14, 2015 | $16.67 | Jun 16, 2015 | $16.67 |
| Jun 21, 2015 | $16.67 | Jun 25, 2015 | $16.67 |
| Jun 28, 2015 | $16.67 | Jun 25, 2015 | $16.67 |
| Jul 5, 2015 | $16.67 | Jul 7, 2015 | $16.67 |
| Jul 12, 2015 | $0.00 | ||
| Jul 19, 2015 | $0.00 | ||
| Jul 26, 2015 | $0.00 | ||
| Aug 2, 2015 | $5.56 | Aug 3, 2015 | $5.56 |
| Aug 9, 2015 | $5.56 | Aug 10, 2015 | $5.56 |
| Aug 16, 2015 | $5.56 | Aug 17, 2015 | $5.56 |
| Aug 23, 2015 | $5.56 | Aug 25, 2015 | $5.56 |
| Aug 30, 2015 | $5.56 | Aug 25, 2015 | $5.56 |
| Sep 6, 2015 | $5.56 | Sep 8, 2015 | $5.56 |
| Sep 13, 2015 | $5.56 | Sep 8, 2015 | $5.56 |
| Sep 20, 2015 | $5.56 | Sep 24, 2015 | $5.56 |
| Sep 27, 2015 | $5.56 | Sep 29, 2015 | $5.56 |
| Oct 4, 2015 | $5.56 | Oct 6, 2015 | $5.56 |
| Oct 11, 2015 | $5.56 | Oct 19, 2015 | $5.56 |
| Oct 18, 2015 | $5.56 | Oct 19, 2015 | $5.56 |
| Oct 25, 2015 | $5.56 | Nov 4, 2015 | $5.56 |
| Nov 1, 2015 | $5.56 | Nov 4, 2015 | $5.56 |
| Nov 8, 2015 | $5.56 | Nov 4, 2015 | $5.56 |
| Nov 15, 2015 | $5.56 | Nov 16, 2015 | $5.56 |
| Nov 22, 2015 | $5.56 | Nov 28, 2015 | $5.56 |
| Nov 29, 2015 | $5.56 | Dec 2, 2015 | $5.56 |
| Dec 6, 2015 | $5.56 | Dec 22, 2015 | $5.56 |
| Dec 13, 2015 | $5.56 | Dec 22, 2015 | $5.56 |
| Dec 20, 2015 | $5.56 | Dec 22, 2015 | $5.56 |
| Dec 27, 2015 | $5.56 | Dec 29, 2015 | $5.56 |
| Jan 3, 2016 | $5.56 | Jan 6, 2016 | $5.56 |
| Jan 10, 2016 | $5.56 | Jan 6, 2016 | $5.56 |
| Jan 17, 2016 | $5.56 | Jan 31, 2016 | $5.56 |
| Jan 24, 2016 | $5.56 | Jan 31, 2016 | $5.56 |
| Jan 31, 2016 | $5.56 | Feb 15, 2016 | $5.56 |
| Feb 7, 2016 | $5.56 | Feb 15, 2016 | $3.33 |
| Feb 28, 2016 | $2.22 | ||
| Feb 14, 2016 | $5.56 | Feb 28, 2016 | $3.33 |
| Mar 7, 2016 | $2.22 | ||
| Feb 21, 2016 | $5.56 | Mar 7, 2016 | $5.56 |
| Feb 28, 2016 | $5.56 | Mar 7, 2016 | $3.33 |
| Mar 12, 2016 | $2.22 | ||
| Mar 6, 2016 | $5.56 | Mar 12, 2016 | $5.56 |
| Mar 13, 2016 | $5.56 | Mar 20, 2016 | $5.56 |
| Mar 20, 2016 | $5.56 | Apr 2, 2016 | $5.56 |
| Mar 27, 2016 | $5.56 | Apr 11, 2016 | $5.56 |
| Apr 3, 2016 | $5.56 | Apr 21, 2016 | $5.56 |
| Apr 10, 2016 | $5.56 | Apr 26, 2016 | $5.56 |
| Apr 17, 2016 | $5.56 | May 6, 2016 | $5.56 |
| Apr 24, 2016 | $5.56 | May 6, 2016 | $3.33 |
| May 11, 2016 | $2.22 | ||
| May 1, 2016 | $5.56 | May 11, 2016 | $2.22 |
| May 20, 2016 | $3.33 | ||
| May 8, 2016 | $5.56 | May 20, 2016 | $4.44 |
| May 24, 2016 | $1.11 | ||
| May 15, 2016 | $5.56 | May 24, 2016 | $4.44 |
| May 29, 2016 | $1.11 | ||
| May 22, 2016 | $5.56 | May 29, 2016 | $4.44 |
| Jun 11, 2016 | $1.11 | ||
| May 29, 2016 | $5.56 | Jun 11, 2016 | $4.44 |
| Jul 1, 2016 | $1.11 | ||
| Jun 5, 2016 | $5.56 | Jul 1, 2016 | $5.56 |
| Jun 12, 2016 | $5.56 | Jul 1, 2016 | $4.44 |
| Jul 16, 2016 | $1.11 | ||
| Jun 19, 2016 | $5.56 | Jul 16, 2016 | $5.56 |
| Jun 26, 2016 | $5.56 | Jul 16, 2016 | $4.44 |
| Jul 24, 2016 | $1.11 | ||
| Jul 3, 2016 | $5.56 | Jul 24, 2016 | $5.56 |
| Jul 10, 2016 | $5.56 | Jul 24, 2016 | $4.44 |
| Aug 6, 2016 | $1.11 | ||
| Jul 17, 2016 | $5.56 | Aug 6, 2016 | $4.44 |
| Aug 24, 2016 | $1.11 | ||
| Jul 24, 2016 | $5.56 | Aug 24, 2016 | $4.44 |
| Aug 29, 2016 | $1.11 | ||
| Jul 31, 2016 | $5.56 | Aug 29, 2016 | $4.44 |
| Aug 31, 2016 | $1.11 | ||
| Aug 7, 2016 | $5.56 | Aug 31, 2016 | $5.56 |
| Aug 14, 2016 | $5.56 | Aug 31, 2016 | $5.56 |
| Aug 21, 2016 | $5.56 | Aug 31, 2016 | $5.56 |
| Aug 28, 2016 | $5.56 | Aug 31, 2016 | $5.56 |
| Sep 4, 2016 | $5.56 | Sep 23, 2016 | $2.22 |
| Sep 25, 2016 | $3.33 | ||
| Sep 11, 2016 | $5.56 | Sep 25, 2016 | $5.56 |
| Sep 18, 2016 | $5.56 | Sep 25, 2016 | $2.22 |
| Oct 18, 2016 | $3.33 | ||
| Sep 25, 2016 | $5.56 | Oct 18, 2016 | $2.22 |
| Oct 19, 2016 | $3.33 | ||
| Oct 2, 2016 | $5.56 | Oct 19, 2016 | $5.56 |
| Oct 9, 2016 | $5.56 | Oct 19, 2016 | $5.56 |
| Oct 16, 2016 | $4.09 | Oct 19, 2016 | $4.09 |
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