M-Pesa float and mobile phone accessories
Michael
Juja, Kenya
22% repaid
Entrepreneur
Name
Michael
Member since
January 2016
On-time repayments
293 installments • 66%
About Me
Hi Zidisha family my names are Michael Kariuki Karanja born in muranga county in Kenya in 1988. I am the first born in a family of three. I was lucky to get some education which my mum provided with a lot of struggles as she was a widow because my dad died when I was still a small boy. After school I hustled hard to make sure I overcome my hardship first I was employed as an mpesa attendant before I saved enough and started my own mpesa shop.
My Business
I have an mpesa business in st marys kibomet which has a good flow of clients.Mpesa business is in demand since many people save their cash in phone instead of banks. The reason am in mpesa business is for me to earn an extra income apart from my salary.My costs include paying an employee since I work in another organization hence I cannot ran the business myself.
Loan Proposal
Am planning to spend the loan by adding float to my mpesa business and add stock of mobile accessories. I will use the loan in the following way:
Mpesa float- Ksh 50000 ($500)
Phone accessories- Ksh 20000 ($200)
Safaricom Airtimes- Ksh 10000 ($100)
The benefit to my community who are mainly unbanked is that I will increase mobile saving by them depositing cash in their phones since I will be having enough float.
By using the loan in this way am going to increase my profits by 20% per month which is a good margin.
Feedback
Positive
None
Neutral
None
Negative
None
Loan Info
Project Type
Classic Loan
Disbursed amount
$799.00
Date disbursed
May 21, 2017
Repayment status
Late
Projected term
55 months
Other loans
Lenders
Summary
Amount repaid
$175.69
Amount remaining
$623.39
Expected completion
Dec 19, 2021
Status
Repaying late
Installment amount
$11.13
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| May 28, 2017 | $4.93 | May 28, 2017 | $4.93 |
| Jun 4, 2017 | $0.99 | Jun 4, 2017 | $0.99 |
| Jun 11, 2017 | $0.99 | Jun 13, 2017 | $0.99 |
| Jun 18, 2017 | $0.99 | Jun 14, 2017 | $0.49 |
| Jun 15, 2017 | $0.49 | ||
| Jun 25, 2017 | $0.99 | Jun 20, 2017 | $0.99 |
| Jul 2, 2017 | $9.86 | Jul 1, 2017 | $9.86 |
| Jul 9, 2017 | $4.93 | Jul 5, 2017 | $4.93 |
| Jul 16, 2017 | $0.99 | Jul 15, 2017 | $0.99 |
| Jul 23, 2017 | $0.99 | Jul 15, 2017 | $0.12 |
| Jul 23, 2017 | $0.87 | ||
| Jul 30, 2017 | $0.99 | Jul 23, 2017 | $0.12 |
| Jul 30, 2017 | $0.87 | ||
| Aug 6, 2017 | $0.99 | Jul 30, 2017 | $0.12 |
| Aug 6, 2017 | $0.87 | ||
| Aug 13, 2017 | $0.99 | Aug 6, 2017 | $0.12 |
| Aug 14, 2017 | $0.87 | ||
| Aug 20, 2017 | $0.12 | Aug 14, 2017 | $0.12 |
| Aug 27, 2017 | $5.92 | Aug 22, 2017 | $5.92 |
| Sep 3, 2017 | $4.93 | Sep 3, 2017 | $4.93 |
| Sep 10, 2017 | $0.99 | Sep 10, 2017 | $0.99 |
| Sep 17, 2017 | $0.99 | Sep 17, 2017 | $0.99 |
| Sep 24, 2017 | $0.99 | Sep 24, 2017 | $0.99 |
| Oct 1, 2017 | $0.99 | Sep 30, 2017 | $0.99 |
| Oct 8, 2017 | $0.99 | Oct 8, 2017 | $0.99 |
| Oct 15, 2017 | $0.99 | Oct 18, 2017 | $0.99 |
| Oct 22, 2017 | $0.99 | Oct 24, 2017 | $0.99 |
| Oct 29, 2017 | $0.99 | Nov 2, 2017 | $0.99 |
| Nov 5, 2017 | $0.99 | Nov 5, 2017 | $0.99 |
| Nov 12, 2017 | $0.99 | Nov 12, 2017 | $0.99 |
| Nov 19, 2017 | $0.99 | Nov 24, 2017 | $0.99 |
| Nov 26, 2017 | $0.99 | Dec 2, 2017 | $0.99 |
| Dec 3, 2017 | $0.99 | Dec 7, 2017 | $0.99 |
| Dec 10, 2017 | $0.00 | ||
| Dec 17, 2017 | $0.00 | ||
| Dec 24, 2017 | $2.96 | Dec 23, 2017 | $2.96 |
| Dec 31, 2017 | $0.99 | Dec 31, 2017 | $0.99 |
| Jan 7, 2018 | $0.99 | Jan 13, 2018 | $0.99 |
| Jan 14, 2018 | $0.99 | Jan 14, 2018 | $0.99 |
| Jan 21, 2018 | $0.99 | Jan 23, 2018 | $0.99 |
| Jan 28, 2018 | $0.99 | Jan 27, 2018 | $0.99 |
| Feb 4, 2018 | $0.99 | Feb 3, 2018 | $0.99 |
| Feb 11, 2018 | $0.99 | Feb 14, 2018 | $0.99 |
| Feb 18, 2018 | $0.99 | Feb 23, 2018 | $0.99 |
| Feb 25, 2018 | $0.99 | Mar 8, 2018 | $0.99 |
| Mar 4, 2018 | $0.99 | Mar 9, 2018 | $0.99 |
| Mar 11, 2018 | $0.99 | Mar 11, 2018 | $0.99 |
| Mar 18, 2018 | $0.99 | Apr 5, 2018 | $0.99 |
| Mar 25, 2018 | $0.99 | Apr 5, 2018 | $0.99 |
| Apr 1, 2018 | $0.99 | Apr 5, 2018 | $0.99 |
| Apr 8, 2018 | $0.99 | Apr 12, 2018 | $0.99 |
| Apr 15, 2018 | $0.99 | May 9, 2018 | $0.99 |
| Apr 22, 2018 | $0.99 | May 9, 2018 | $0.99 |
| Apr 29, 2018 | $0.99 | May 9, 2018 | $0.99 |
| May 6, 2018 | $0.99 | May 9, 2018 | $0.99 |
| May 13, 2018 | $0.99 | May 9, 2018 | $0.99 |
| May 20, 2018 | $0.99 | May 9, 2018 | $0.99 |
| May 27, 2018 | $0.99 | May 9, 2018 | $0.99 |
| Jun 3, 2018 | $0.99 | May 9, 2018 | $0.99 |
| Jun 10, 2018 | $0.99 | May 9, 2018 | $0.99 |
| Jun 17, 2018 | $0.99 | May 9, 2018 | $0.99 |
| Jun 24, 2018 | $0.99 | Jun 18, 2018 | $0.99 |
| Jul 1, 2018 | $1.00 | Jul 9, 2018 | $0.99 |
| Jul 9, 2018 | $0.01 | ||
| Jul 8, 2018 | $0.98 | Jul 9, 2018 | $0.98 |
| Jul 15, 2018 | $0.00 | ||
| Jul 22, 2018 | $0.00 | ||
| Jul 29, 2018 | $1.00 | Jul 29, 2018 | $0.99 |
| Aug 2, 2018 | $0.01 | ||
| Aug 5, 2018 | $1.00 | Aug 2, 2018 | $0.98 |
| Aug 25, 2018 | $0.02 | ||
| Aug 12, 2018 | $1.00 | Aug 25, 2018 | $1.00 |
| Aug 19, 2018 | $1.00 | Aug 25, 2018 | $1.00 |
| Aug 26, 2018 | $1.00 | Aug 25, 2018 | $0.06 |
| Sep 7, 2018 | $0.94 | ||
| Sep 2, 2018 | $0.05 | Sep 7, 2018 | $0.05 |
| Sep 9, 2018 | $0.99 | Sep 10, 2018 | $0.99 |
| Sep 16, 2018 | $0.99 | Sep 18, 2018 | $0.99 |
| Sep 23, 2018 | $0.99 | Oct 7, 2018 | $0.99 |
| Sep 30, 2018 | $0.99 | Oct 7, 2018 | $0.99 |
| Oct 7, 2018 | $0.99 | Oct 7, 2018 | $0.99 |
| Oct 14, 2018 | $0.99 | Oct 27, 2018 | $0.99 |
| Oct 21, 2018 | $0.99 | Oct 27, 2018 | $0.99 |
| Oct 28, 2018 | $0.99 | Oct 27, 2018 | $0.99 |
| Nov 4, 2018 | $0.99 | Oct 27, 2018 | $0.99 |
| Nov 11, 2018 | $0.99 | Oct 27, 2018 | $0.99 |
| Nov 18, 2018 | $0.99 | Nov 23, 2018 | $0.99 |
| Nov 25, 2018 | $0.99 | Nov 25, 2018 | $0.99 |
| Dec 2, 2018 | $0.99 | Dec 2, 2018 | $0.99 |
| Dec 9, 2018 | $0.99 | Dec 9, 2018 | $0.99 |
| Dec 16, 2018 | $0.99 | Dec 16, 2018 | $0.99 |
| Dec 23, 2018 | $0.99 | Dec 21, 2018 | $0.99 |
| Dec 30, 2018 | $0.99 | Dec 31, 2018 | $0.99 |
| Jan 6, 2019 | $0.99 | Jan 24, 2019 | $0.99 |
| Jan 13, 2019 | $0.99 | Jan 24, 2019 | $0.99 |
| Jan 20, 2019 | $0.99 | Jan 24, 2019 | $0.99 |
| Jan 27, 2019 | $9.86 | Feb 1, 2019 | $9.86 |
| Feb 3, 2019 | $0.49 | Feb 3, 2019 | $0.49 |
| Feb 10, 2019 | $0.00 | ||
| Feb 17, 2019 | $0.99 | Feb 12, 2019 | $0.99 |
| Feb 24, 2019 | $0.99 | Mar 1, 2019 | $0.99 |
| Mar 3, 2019 | $0.99 | Mar 1, 2019 | $0.99 |
| Mar 10, 2019 | $0.99 | Mar 17, 2019 | $0.99 |
| Mar 17, 2019 | $0.99 | Mar 17, 2019 | $0.99 |
| Mar 24, 2019 | $0.99 | Mar 24, 2019 | $0.99 |
| Mar 31, 2019 | $0.99 | Mar 24, 2019 | $0.39 |
| Mar 31, 2019 | $0.59 | ||
| Apr 7, 2019 | $0.99 | Mar 31, 2019 | $0.39 |
| Apr 11, 2019 | $0.59 | ||
| Apr 14, 2019 | $0.99 | Apr 11, 2019 | $0.39 |
| Apr 30, 2019 | $0.59 | ||
| Apr 21, 2019 | $0.00 | ||
| Apr 28, 2019 | $0.00 | ||
| May 5, 2019 | $0.99 | May 4, 2019 | $0.99 |
| May 12, 2019 | $0.99 | May 16, 2019 | $0.99 |
| May 19, 2019 | $0.99 | May 16, 2019 | $0.99 |
| May 26, 2019 | $0.99 | Jun 3, 2019 | $0.99 |
| Jun 2, 2019 | $0.99 | Jun 3, 2019 | $0.99 |
| Jun 9, 2019 | $0.99 | Jun 7, 2019 | $0.99 |
| Jun 16, 2019 | $0.99 | Jun 10, 2019 | $0.99 |
| Jun 23, 2019 | $0.99 | Jun 25, 2019 | $0.99 |
| Jun 30, 2019 | $0.99 | Jun 25, 2019 | $0.99 |
| Jul 7, 2019 | $0.99 | Jun 25, 2019 | $0.99 |
| Jul 14, 2019 | $0.99 | Jul 13, 2019 | $0.99 |
| Jul 21, 2019 | $0.99 | Jul 13, 2019 | $0.99 |
| Jul 28, 2019 | $0.99 | Jul 13, 2019 | $0.99 |
| Aug 4, 2019 | $0.99 | Jul 13, 2019 | $0.99 |
| Aug 11, 2019 | $0.99 | Jul 13, 2019 | $0.99 |
| Aug 18, 2019 | $0.99 | Aug 18, 2019 | $0.99 |
| Aug 25, 2019 | $0.99 | Sep 11, 2019 | $0.99 |
| Sep 1, 2019 | $0.99 | Sep 11, 2019 | $0.99 |
| Sep 8, 2019 | $0.99 | Sep 11, 2019 | $0.99 |
| Sep 15, 2019 | $0.99 | Sep 11, 2019 | $0.99 |
| Sep 22, 2019 | $0.99 | Sep 11, 2019 | $0.99 |
| Sep 29, 2019 | $0.99 | Sep 29, 2019 | $0.99 |
| Oct 6, 2019 | $0.99 | Oct 6, 2019 | $0.99 |
| Oct 13, 2019 | $0.99 | Oct 13, 2019 | $0.99 |
| Oct 20, 2019 | $0.00 | ||
| Oct 27, 2019 | $0.00 | ||
| Nov 3, 2019 | $0.00 | ||
| Nov 10, 2019 | $0.99 | Nov 21, 2019 | $0.99 |
| Nov 17, 2019 | $0.99 | Nov 21, 2019 | $0.99 |
| Nov 24, 2019 | $0.49 | Nov 24, 2019 | $0.49 |
| Dec 1, 2019 | $0.49 | Dec 1, 2019 | $0.49 |
| Dec 8, 2019 | $0.49 | Dec 9, 2019 | $0.49 |
| Dec 15, 2019 | $0.49 | Dec 18, 2019 | $0.49 |
| Dec 22, 2019 | $0.49 | Dec 21, 2019 | $0.49 |
| Dec 29, 2019 | $0.49 | Dec 21, 2019 | $0.39 |
| Dec 29, 2019 | $0.10 | ||
| Jan 5, 2020 | $0.39 | Dec 29, 2019 | $0.39 |
| Jan 12, 2020 | $0.99 | Jan 12, 2020 | $0.99 |
| Jan 19, 2020 | $0.99 | Jan 22, 2020 | $0.99 |
| Jan 26, 2020 | $0.00 | ||
| Feb 2, 2020 | $0.00 | ||
| Feb 9, 2020 | $0.00 | ||
| Feb 16, 2020 | $0.00 | ||
| Feb 23, 2020 | $0.00 | ||
| Mar 1, 2020 | $0.99 | Apr 1, 2020 | $0.99 |
| Mar 8, 2020 | $0.00 | ||
| Mar 15, 2020 | $0.00 | ||
| Mar 22, 2020 | $0.00 | ||
| Mar 29, 2020 | $0.00 | ||
| Apr 5, 2020 | $0.00 | ||
| Apr 12, 2020 | $0.00 | ||
| Apr 19, 2020 | $0.00 | ||
| Apr 26, 2020 | $0.49 | Sep 9, 2020 | $0.49 |
| May 3, 2020 | $0.49 | Sep 9, 2020 | $0.49 |
| May 10, 2020 | $0.49 | Sep 9, 2020 | $0.49 |
| May 17, 2020 | $0.49 | Sep 9, 2020 | $0.49 |
| May 24, 2020 | $0.00 | ||
| May 31, 2020 | $0.00 | ||
| Jun 7, 2020 | $0.00 | ||
| Jun 14, 2020 | $0.00 | ||
| Jun 21, 2020 | $0.00 | ||
| Jun 28, 2020 | $0.00 | ||
| Jul 5, 2020 | $0.00 | ||
| Jul 12, 2020 | $0.00 | ||
| Jul 19, 2020 | $0.00 | ||
| Jul 26, 2020 | $0.00 | ||
| Aug 2, 2020 | $0.00 | ||
| Aug 9, 2020 | $0.00 | ||
| Aug 16, 2020 | $0.00 | ||
| Aug 23, 2020 | $0.00 | ||
| Aug 30, 2020 | $0.00 | ||
| Sep 6, 2020 | $0.00 | ||
| Sep 13, 2020 | $0.00 | ||
| Sep 20, 2020 | $0.00 | ||
| Sep 27, 2020 | $0.01 | Sep 25, 2020 | $0.01 |
| Oct 4, 2020 | $0.01 | Sep 25, 2020 | $0.01 |
| Oct 11, 2020 | $0.01 | Oct 2, 2020 | $0.01 |
| Oct 18, 2020 | $0.00 | ||
| Oct 25, 2020 | $0.00 | ||
| Nov 1, 2020 | $0.00 | ||
| Nov 8, 2020 | $0.01 | Dec 2, 2020 | $0.01 |
| Nov 15, 2020 | $0.01 | Dec 2, 2020 | $0.01 |
| Nov 22, 2020 | $0.01 | Dec 2, 2020 | $0.01 |
| Nov 29, 2020 | $0.01 | Dec 2, 2020 | $0.01 |
| Dec 6, 2020 | $0.01 | Dec 15, 2020 | $0.01 |
| Dec 13, 2020 | $0.04 | Dec 15, 2020 | $0.04 |
| Dec 20, 2020 | $0.01 | Dec 29, 2020 | $0.01 |
| Dec 27, 2020 | $0.01 | Dec 29, 2020 | $0.01 |
| Jan 3, 2021 | $0.01 | Jan 6, 2021 | $0.01 |
| Jan 10, 2021 | $0.01 | Jan 12, 2021 | $0.01 |
| Jan 17, 2021 | $0.01 | Jan 19, 2021 | $0.01 |
| Jan 24, 2021 | $0.00 | ||
| Jan 31, 2021 | $0.01 | Mar 4, 2021 | $0.01 |
| Feb 7, 2021 | $0.00 | ||
| Feb 14, 2021 | $0.00 | ||
| Feb 21, 2021 | $0.00 | ||
| Feb 28, 2021 | $0.01 | Mar 11, 2021 | $0.01 |
| Mar 7, 2021 | $0.99 | Mar 28, 2021 | $0.99 |
| Mar 14, 2021 | $0.00 | ||
| Mar 21, 2021 | $0.00 | ||
| Mar 28, 2021 | $0.00 | ||
| Apr 4, 2021 | $0.00 | ||
| Apr 11, 2021 | $0.00 | ||
| Apr 18, 2021 | $0.10 | Apr 21, 2021 | $0.10 |
| Apr 25, 2021 | $0.99 | Apr 23, 2021 | $0.99 |
| May 2, 2021 | $11.13 | May 2, 2021 | $0.70 |
| May 13, 2021 | $4.93 | ||
| Jun 30, 2021 | $0.99 | ||
| Aug 20, 2021 | $4.51 | ||
| May 9, 2021 | $11.13 | Aug 20, 2021 | $0.42 |
| Jan 28, 2022 | $0.99 | ||
| May 16, 2021 | $11.13 | ||
| May 23, 2021 | $11.13 | ||
| May 30, 2021 | $11.13 | ||
| Jun 6, 2021 | $11.13 | ||
| Jun 13, 2021 | $11.13 | ||
| Jun 20, 2021 | $11.13 | ||
| Jun 27, 2021 | $11.13 | ||
| Jul 4, 2021 | $11.13 | ||
| Jul 11, 2021 | $11.13 | ||
| Jul 18, 2021 | $11.13 | ||
| Jul 25, 2021 | $11.13 | ||
| Aug 1, 2021 | $29.59 | ||
| Aug 8, 2021 | $29.59 | ||
| Aug 15, 2021 | $11.13 | ||
| Aug 22, 2021 | $11.13 | ||
| Aug 29, 2021 | $11.13 | ||
| Sep 5, 2021 | $11.13 | ||
| Sep 12, 2021 | $11.13 | ||
| Sep 19, 2021 | $29.59 | ||
| Sep 26, 2021 | $29.59 | ||
| Oct 3, 2021 | $29.59 | ||
| Oct 10, 2021 | $29.59 | ||
| Oct 17, 2021 | $29.59 | ||
| Oct 24, 2021 | $29.59 | ||
| Oct 31, 2021 | $29.59 | ||
| Nov 7, 2021 | $29.59 | ||
| Nov 14, 2021 | $29.59 | ||
| Nov 21, 2021 | $30.74 | ||
| Nov 28, 2021 | $30.74 | ||
| Dec 5, 2021 | $30.74 | ||
| Dec 12, 2021 | $11.13 | ||
| Dec 19, 2021 | $6.82 | ||
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