Entrepreneur
Name
Joyce
Member since
August 2013
On-time repayments
289 installments • 59%
About Me
My name is Joyce W. Kamau, third born in a family of eight. I am a Kenyan, born and raised in Njoro in Nakuru County formerly in the Rift Valley Province. I am 36yrs old. I live within Njoro town. I run a Computer Bureau opposite Njoro Police Station that involves photocopying, typing, printing, binding, scanning, lamination and stationery selling. I am a teacher by profession and also have trained on computer applications. I started the computer bureau because of various primary and secondary schools within the area hence the need for computer services. Also the district and division headquarters of Njoro are situated near the area about 200m away, creating an opportunity to serve more customers within the area due to high demand of the same services. The business is located in a strategic position because it is near the main road which is easily accessible and the place is highly populated. From the earnings of the business I am able buy printing papers, lamination porches, other stationeries like envelopes and pens, paying for repair and maintenance cost of the copier machine and computers, pay salary to my two dear assisting staff and any other expenditure that may arise. I am a committed lady, time conscious and passionate in whatever I do. Also considers myself to be a risk taker and a fast learner who loves challenges in life.
My Business
My business name is Blessed Hands Computer Services situated within Njoro town. I offer majorly typing, printing and photocopying services to my customers. Also other services offered includes; lamination, binding, scanning and selling of office stationeries. There is demand for these services because the business is surrounded by both private and public primary and secondary schools. Also there is a polytechnic within the area. There is also a public university in the same region. All these institutions require my business services like exams and manual photocopying, printing and binding of assignments and projects. My customers prefer my business over the others in the region because of good customer services offered by me and my two employees, fast and efficient services, good communication skills and reasonable charges to services offered. The business is profitable because it caters for all my needs at all the times. My business risk is breakdown of the machines where sometimes the technicians take a longer time to avail themselves in repairing them. Also the cost of buying stationeries varies with hard economic times. Security is taken care because we are directly opposite the police station. Also the work premises are taken care of by a night watchman. From the earnings of my business am able to pay my rent, cater for my basic needs and assist in paying my nephew’s school fees who is in college. I would like to expand my business by adding two computers that will help my customers to browse efficiently without any interruptions. If given the loan I will repay it using the earnings from my business.
Loan Proposal
First I thank all my previous lenders for their generosity and trusting me with their funds. I was able to add two computers to My Blessed Hands Computer Services business in my home town. With that first loan I can confidently say I am a step ahead in my future plans. From the earnings of my business am able to pay my rent, cater for my basic needs and assist in paying my nephew’s school fees who is still in the second year of college. I am requesting for a second loan to buy an Epson Stylus Photo R290 series colour printer. The printer will help me and the customers in printing good quality coloured documents. The three in one small printer I currently have is wearing out and I need a replacement. The Epson printer I ought to buy is economical and the six inks used are easily available and affordable. Its durability span is more compared to the small one. The machine costs Kenya Shillings 33,000/-. I will top up the rest of the amount with the savings from my business. I promise to be faithful and punctual in repayment of the loan. Once again to all the Zidisha organization lenders, God bless you abundantly. Thank you in advance.
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Loan Info
Project Type
Classic Loan
Disbursed amount
$273.00
Date disbursed
Nov 17, 2014
Repayment status
On Time
Projected term
18 months
Other loans
Lenders
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