Entrepreneur
Name
Julia
Member since
November 2014
On-time repayments
121 installments • 10%
About Me
My name is Julia Karanja a Kenyan lady by birth.I am the third born in a family of five children,I am a business oriented lady and I started business early enough to have gained good experience during my time in business.I am a chef by profession where I specialized my course at Nairobi Aviation and Utalii College, I used to work and at the same time manage my fathers hardware where I am the manager now.My Dad decided to hand over the business to me fully after he saw my hardwork and good management skills.I have never looked back and I have always worked hard to shine in the business never to let him down.I grew up in Muranga county and during my childhood I used to be a staunch christian like my parents used to teach us.
My Business
My business is Hardware a luxury brand in the home furnishings marketplace offering furniture, lighting, textiles, bathware, and décor, outdoor and garden. Karanjas hardware is an integrated business with multiple channels of distribution. We have a good reputation from yester years as we have always insisted on quality goods.
I have a good reputation in my community and have gained trust to a number of customers and I am always thankful to them because they have kept me going and I have always promised good and quality service.The market at the moment is rapidly growing because Kahawa Wendani is at its peak of growing at the moment so many apartments are being brought up every now and then.
Per month we make a profit of between 775.62 usd and 886.43 usd which is not bad profit and if the trend goes on like that or beyond that mark, I am planning to start another serious décor hardware where I will be getting my staff from Dubai and China God willing. At the moment the profits are used to re-stock new Items in the market and I have a task of schooling my little brother and sister who are still in school.
Loan Proposal
I am applying for this second loan because the first loan made a great impact in my business, although the December holidays pulled the business behind a little bit now business is back to normal this January, and I believe this being a higher amount if funded on time will be of great impact to the business. With paints alone now I am able to make at least 43.65 usd everyday on paints alone.I now want to introduce more advanced paints than the normal ones that I was selling when I first introduced paint to my business. I came to realise by having all the required coats and varieties one can make so much with paints, this is because they go with coats. I tend to introduce emulsion finishes,gloss and semi gloss finishes,esta economy range,specialized finishes, wood finishes and preservatives just to mention a few. The cheapest goes for 4.70 usd and I can sell it upto 6.3 usd market price. While the most costly goes for around 152.75 usd based on Kgs and I can sell upto 160.1 usd I calculated this maths and came to a conclusion, that I can even specialise on paints alone and do very good in the business.
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Loan Info
Project Type
Classic Loan
Disbursed amount
$200.00
Date disbursed
Jan 26, 2015
Repayment status
Late
Projected term
26 months
Other loans
Lenders
New York, United States
niedernhausen, Germany
Austria
United States
Jake Gibson and Beverly Picardo
San Francisco, United States
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Summary
Amount repaid
$69.12
Amount remaining
$182.85
Expected completion
Apr 9, 2017
Status
Repaying late
Installment amount
$2.25
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Feb 8, 2015 | $13.80 | Feb 25, 2015 | $13.80 |
| Feb 15, 2015 | $13.80 | Feb 25, 2015 | $13.80 |
| Feb 22, 2015 | $13.80 | Feb 25, 2015 | $13.80 |
| Mar 1, 2015 | $4.11 | Feb 25, 2015 | $4.11 |
| Mar 8, 2015 | $3.37 | Apr 22, 2015 | $3.37 |
| Mar 15, 2015 | $3.37 | Apr 22, 2015 | $3.37 |
| Mar 22, 2015 | $3.37 | Apr 22, 2015 | $0.58 |
| May 4, 2015 | $2.79 | ||
| Mar 29, 2015 | $0.92 | May 4, 2015 | $0.92 |
| Apr 5, 2015 | $0.00 | ||
| Apr 12, 2015 | $0.00 | ||
| Apr 19, 2015 | $0.00 | ||
| Apr 26, 2015 | $0.00 | ||
| May 3, 2015 | $0.00 | ||
| May 10, 2015 | $2.25 | May 21, 2015 | $2.25 |
| May 17, 2015 | $1.33 | May 21, 2015 | $1.33 |
| May 24, 2015 | $0.00 | ||
| May 31, 2015 | $0.00 | ||
| Jun 7, 2015 | $0.00 | ||
| Jun 14, 2015 | $0.00 | ||
| Jun 21, 2015 | $3.37 | Jul 11, 2015 | $2.00 |
| Jul 12, 2015 | $1.37 | ||
| Jun 28, 2015 | $0.97 | Jul 12, 2015 | $0.97 |
| Jul 5, 2015 | $0.00 | ||
| Jul 12, 2015 | $0.00 | ||
| Jul 19, 2015 | $0.00 | ||
| Jul 26, 2015 | $2.25 | Aug 17, 2015 | $2.25 |
| Aug 2, 2015 | $0.09 | Aug 17, 2015 | $0.09 |
| Aug 9, 2015 | $0.00 | ||
| Aug 16, 2015 | $0.00 | ||
| Aug 23, 2015 | $2.34 | Sep 21, 2015 | $2.34 |
| Aug 30, 2015 | $0.00 | ||
| Sep 6, 2015 | $0.00 | ||
| Sep 13, 2015 | $0.00 | ||
| Sep 20, 2015 | $0.00 | ||
| Sep 27, 2015 | $2.25 | ||
| Oct 4, 2015 | $2.25 | ||
| Oct 11, 2015 | $2.25 | ||
| Oct 18, 2015 | $2.25 | ||
| Oct 25, 2015 | $2.25 | ||
| Nov 1, 2015 | $2.25 | ||
| Nov 8, 2015 | $2.25 | ||
| Nov 15, 2015 | $2.25 | ||
| Nov 22, 2015 | $2.25 | ||
| Nov 29, 2015 | $2.25 | ||
| Dec 6, 2015 | $2.25 | ||
| Dec 13, 2015 | $2.25 | ||
| Dec 20, 2015 | $2.25 | ||
| Dec 27, 2015 | $2.25 | ||
| Jan 3, 2016 | $2.25 | ||
| Jan 10, 2016 | $2.25 | ||
| Jan 17, 2016 | $2.25 | ||
| Jan 24, 2016 | $2.25 | ||
| Jan 31, 2016 | $2.25 | ||
| Feb 7, 2016 | $2.25 | ||
| Feb 14, 2016 | $2.25 | ||
| Feb 21, 2016 | $2.25 | ||
| Feb 28, 2016 | $2.25 | ||
| Mar 6, 2016 | $2.25 | ||
| Mar 13, 2016 | $2.25 | ||
| Mar 20, 2016 | $2.25 | ||
| Mar 27, 2016 | $2.25 | ||
| Apr 3, 2016 | $2.25 | ||
| Apr 10, 2016 | $2.25 | ||
| Apr 17, 2016 | $2.25 | ||
| Apr 24, 2016 | $2.25 | ||
| May 1, 2016 | $2.25 | ||
| May 8, 2016 | $2.25 | ||
| May 15, 2016 | $2.25 | ||
| May 22, 2016 | $2.25 | ||
| May 29, 2016 | $2.25 | ||
| Jun 5, 2016 | $2.25 | ||
| Jun 12, 2016 | $2.25 | ||
| Jun 19, 2016 | $2.25 | ||
| Jun 26, 2016 | $2.25 | ||
| Jul 3, 2016 | $2.25 | ||
| Jul 10, 2016 | $2.25 | ||
| Jul 17, 2016 | $2.25 | ||
| Jul 24, 2016 | $2.25 | ||
| Jul 31, 2016 | $2.25 | ||
| Aug 7, 2016 | $2.25 | ||
| Aug 14, 2016 | $2.25 | ||
| Aug 21, 2016 | $2.25 | ||
| Aug 28, 2016 | $2.25 | ||
| Sep 4, 2016 | $2.25 | ||
| Sep 11, 2016 | $2.25 | ||
| Sep 18, 2016 | $2.25 | ||
| Sep 25, 2016 | $2.25 | ||
| Oct 2, 2016 | $2.25 | ||
| Oct 9, 2016 | $2.25 | ||
| Oct 16, 2016 | $2.25 | ||
| Oct 23, 2016 | $2.25 | ||
| Oct 30, 2016 | $2.25 | ||
| Nov 6, 2016 | $2.25 | ||
| Nov 13, 2016 | $2.25 | ||
| Nov 20, 2016 | $2.25 | ||
| Nov 27, 2016 | $2.25 | ||
| Dec 4, 2016 | $2.25 | ||
| Dec 11, 2016 | $2.25 | ||
| Dec 18, 2016 | $2.25 | ||
| Dec 25, 2016 | $2.25 | ||
| Jan 1, 2017 | $2.25 | ||
| Jan 8, 2017 | $2.25 | ||
| Jan 15, 2017 | $2.25 | ||
| Jan 22, 2017 | $2.25 | ||
| Jan 29, 2017 | $2.25 | ||
| Feb 5, 2017 | $2.25 | ||
| Feb 12, 2017 | $2.25 | ||
| Feb 19, 2017 | $2.25 | ||
| Feb 26, 2017 | $2.25 | ||
| Mar 5, 2017 | $2.25 | ||
| Mar 12, 2017 | $2.25 | ||
| Mar 19, 2017 | $2.25 | ||
| Mar 26, 2017 | $2.25 | ||
| Apr 2, 2017 | $2.25 | ||
| Apr 9, 2017 | $3.08 | ||
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