Purchase of a pedigree in-calf heifer

Anthony

Nairobi, Kenya

19% repaid

Entrepreneur

Name

Anthony

Member since

December 2015

On-time repayments

255 installments  •  85%

About Me

I grew up in a humble background in a family of five. I went to school at my nearest village primary school, where I did exceptionally well and joined a provincial level high school (Meru school), which currently has been converted to a national school. After my high school education, I began CPA (certified public accountant) classes before joining Kenyatta University to pursue a bachelor's degree in economics and finance. I am now awaiting graduation in the field of economics and finance from Kenyatta University.

Entrepreneurship as always been my driver to overcome hardships throughout my college life. I could buy clothes in large quantities and sell them to students, making a significant profit to facilitate my upkeep at the university. I started my daily farming business during my last long vacation at the university. My motivation was the financial hardships. My finance source was working in a milk production company for those few months.

In my culture people are less innovative because of plenty of food. Due to increased food insecurity in the entire country, alternative sources of income will soon become a necessity in the region, and with this forecast I decided to practice my entrepreneurial skills and start my own business. Currently I have no children, but I believe that I will grow to have a promising future come that time.

My hobby is research: I always spend my leisure time raising problem statements and business ideas to ascertain my next most viable venture to undertake besides dairy farming.

My Business

My business is dairy farming: I have two dairy cows. From my business I am able to sell milk, a commodity which has a very high demand in the market because many households have migrated to the town ("rural urban migration") and milk consumption by these households have increased, calling for more milk production by dairy farmers to sustain this overwhelming demand for milk. I choose this kind of business because I noticed there was a high shortage of milk in the market.

During my industrial university attachment, I worked in a milk processing industry in the field of internal audit. I discovered that every morning the CEO urges the employees to help the industry acquire higher milk intake from farmers due to idle machinery that could not get enough milk to process 24 hours a day. I decided therefore I could start daily production and advance it in the future to large-scale farming in order to enjoy the advantages of economies of scale and also supply raw milk to the industry.

My typical costs are costs of artificial insemination, concentrates, fodder, labour, and veterinary services of treatment. My greatest source of revenue is milk selling. I also sell accumulated manure that remains after I have used some on my fodder. I use the profits to increase my business by reinvesting it back in business and registering for my Certified Public Accountant examinations.

Loan Proposal

I will use the loan to upgrade the breeds of my dairy cows by purchase of a pedigree incalf heifer. With this addition i expect my production to increase by 35 litres a day leading to more revenue and profit.

Show original English  

About Me

I grew up in a humble background family of five i went to school in my nearest village primary school where i did exceptionally well and joined a provincial level high school.
(Meru school) which currently as been converted to a national school. After my high school education i began CPA (certified public accountant) classes before joining Kenyatta University to pursue bachelor of economics and finance. Am now a first class honours graduate in the field of economics and finance from Kenyatta University and i have also completed my CPA (Certified Public Accountant) examination . Entrepreneurship as always been by driver to overcome hardships throughout my college life. I could buy clothes in large quantities and sell to students making a significant profit to facilitate my upkeep in the university. I started my daily farming business during my last long vacation in the university my motivation was the financial hardships. My finance source was working in a milk production company for those few months. In my culture people are less innovative because of plenty of food. Due to increased food insecurity in the entire country alternative source of income will soon become a necessity.in the region and with this forecast i decided to practice by entrepreneurial skills and start my own business. Currently i have no children but i believe that will grow to have a promising future come that time. My hobby is research i always spend my leisure time raising problem statement and business ideas to ascertain my next most viable venture to undertake besides dairy farming.

My Business

My business is dairy farming i have seven dairy cows. from my business i am able to sell milk a commodity which as a very high demand in the market because many households have migrated to the town "rural urban migration" and milk consumption by these households have increased calling for more milk production by dairy farmers to sustain this overwhelming demand for milk. I choose this kind of business because I noticed there was a high shortage of milk in the market. During my industrial university attachment I worked in a milk processing industry in the field of internal audit. I discovered that every morning the CEO urges the employees to help the industry acquire higher milk intake from farmers due to idle machinery that could not get enough milk to process 24hrs a day. I decided therefore I could start daily production and advance it in future to large-scale farming in order to enjoy the advantages of economies of scale and also supply raw milk to the industry. My typical costs are costs of artificial insemination. Concentrates, fodder, Lab our, and veterinary services of treatment. Greatest source of revenue is milk selling. I also sell accumulated manure that remains after I have used some on my fodder. i use the profits from business to increase my business by reinvesting it back in business.

Loan Proposal

I will use the loan to upgrade the breeds of my dairy cows by purchase of a pedigree incalf heifer. With this addition i expect my production to increase by 35 litres a day leading to more revenue and profit.

Feedback

3

None

None

  • Vicki Stewart    Jun 18, 2019

    Thanks for paying your loan off early - would be happy to loan to you again. Good luck with your dairy farm.

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  • Maggie and M    Dec 24, 2018

    Anthony's payments arrived like clockwork and he finished early, we will be very happy to lend to Anthony again.

    Log in to reply • Share
  • Mary    Nov 28, 2017

    Anthony is an excellent borrower. I would recommend lending to him for any future loans!

    Log in to reply • Share


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Loan Info

Project Type

Classic Loan

Disbursed amount

$1,300.00

Date disbursed

Sep 9, 2019

Repayment status

Late

Projected term

21 months

Lenders

M

marycb

United States

joerg

Berlin, Germany

G

GalantnostS

Hong Kong, Hong Kong

M

marvin24

Giessen, Germany

EricDWalters

Rochester, Mn, Usa, United States

investor

Candiac, Canada

C

chkuo

Taipei, Taiwan

davelowe100

Perryville, United States

Umair Mahmood

Raleigh, United States

V

vamPierchen

Luxembourg, Luxembourg

AltruisticSelfishnes

Chicago, United States

Tilius

Oslo, Norway

ninamaqami

Ankara, Turkey

Judith

London, United Kingdom

LA

United States

korben

VILLENAVE D'ORNON, France

Z

zako316

Chicago, United States

A

AJCortens

Boise, ID, United States

F

FHult

Stockholm, Sweden

L

ldron7

Utah, United States

Martin

Manama, Bahrain

MichaelDean

San Jose, United States

T

Tallago3

Munich, Germany

Pere

Barcelona, Spain

johnandmoliehi

Canton, New York, United States

T

ToddK

Indianapolis, IN, USA, United States

A

ashtanga99

Newport, United States

J

JakeA

Wellington, New Zealand

D

DRSZ73

Portsmouth, United Kingdom

C

cjmenchaca

Austin, United States

Jeff

Portland OR, United States

andreas

Katsdorf, Austria

H

Halli

Bottrop, Germany

G D Export

Kolkata, India

airvillepa

Airville, Pennsylvania, United States

B

Becks

Dubai, United Arab Emirates

F

fisaire

Ithaca, United States

A

anonymous123

United States

Sundstroms

Falun, Sweden

ElWal

Kirn, Germany

FlamingFreedom

Manchester, United States

KM

British Columbia, Canada, Canada

J

Jeb33red

Bourne end, United Kingdom

B

blue0green717

St-Lucien, Canada

E

ebronken

Oslo, Norway

Cloudways

Malta, Malta

P

Piotr

London, United Kingdom

IA

Ismini and Jerry

Stamford, USA, United States

J

jzidi

Los Angeles, United States

A

Austrian

Graz, Austria

saturn4peace

Porterville, United States

lorello

Vicopisano, Italy

Jouni

Finland

S

SvenWaage

Stavanger, Norway

southcentral

Zürich, Switzerland

L

loistf

Madrid, Spain

juliemartha

Lake Mary, United States

McJulio

New Jersey, United States

peanut

Halifax, Canada

B

BClay

Campbell, United States

L

leniwiec

Poznan, Poland

ads68

Melbourne, Australia

N

NicolaG

Mantova, Italy

E

eirccharrie

Cupertino, United States

E

edgreig

Brixton, United Kingdom

MillerClark

London, United Kingdom

Alina

Amsterdam, Netherlands

Ingela

Falun, Sweden

S

Southern

Oberursel, Germany, Germany

P

Peksa

Espoo, Finland

doflynn

Dublin, Ireland

V

Valis

Singapore, Singapore

A

Andy

Berlin, United States

G

glh25

Winooski, United States

fairspirit

Utrecht, Netherlands

Gordons28

Santa Monica, United States

Z

zedoud

Hamburg, Germany

calvero

Bergen, Norway

joaoferraz

RINCHOA, Portugal

JTShorty

Gorham, Maine, United States

BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

G

Goldrivermob

Gold River, Canada

K

kjustad

Asker, Norway

D

Don100

Wilton, United States

Anto82

Eraclea, Italy

Jason

Auckland, New Zealand

K

Krish

Dubai, United Arab Emirates

J

Joannie333

Milwaukee, United States

C

Colmena

Chicago, United States

Zal0m0n

Atlantis!!!! x), Mauritania

A

AndrewC

London, United Kingdom

mojobob

Hayward, United States

P

Pavane

Kungsbacka, Sweden

JOKer

Weisendorf, Germany

JonB

London, United Kingdom

soniad

Dubai, United Arab Emirates

dmirpuri

Bangkok, Thailand

ibc123

Seattle, United States

xtrahardware

Cazenovia, United States

stroi08

Odense C, Denmark

M

Mountainmanduy

San Jose, United States

lizandsteve

guelph, Canada

J

jinx83

Brisbane, Australia

B

Budgie81

Norwalk, United States

Sodermansb

Raleigh, NC, United States

B

Badass78camaro

Mohnton, Pa, United States

H

Haavard

Bergen, Norway

mikeice

Kohler, United States

G

giova

Padova, Italy

I

Iamzwolf

Middletown, United States

sderickson

Berkeley, CA, United States

O

oonbug

United States

G

GoughGirl

Washington, Dc, United States

pvilliger

Zurich, Switzerland

A

analyticsPierce

Denver, United States

M

Malibu

Westwood, United States

H

HoseB

San Francisco, United States

K

Kramer91

Kamerik, Netherlands

D

drorm

United States

T

thegreek1020

San Jose, United States

MalcolmL

San Francisco, United States

C

ColoradoEmac

United States

D

dcktdjc

United States

A

allie105

United States

D

DandS

United States

B

brianchicago

United States

bb4dogs

United States

trincowski

Vilar, Vila do Conde, Portugal

L

leftyoctober

Minneapolis, United States

mepster

San Francisco, Ca, United States

A

angelapeat01

United States

TyWee

Manila, Philippines

T

tmarkus

Netherlands

B

bscent

Hong Kong

AAE USA Team

United States

B

Beetdiggingcougar

Calgary, Canada

W

wesbh89

United States

Grant Xavier Storer

Seattle, Wa, United States

I

idris

United States

Loungin

United States

Pascal Coyles

Ghent, Belgium

K

KiraDee

United States

PolarBearCapital

United States

SuperMario28

Cudahy, United States

M

mbarbier

United States

Mike and Jacqui

United Kingdom

S

Stephan

Netherlands

JP

James Parker

Sacramento, United States

K

Kristiina

All Countries

Valeria Cremonesi

Casalpusterlengo, Italy

S

Sven

Netherlands

T

TZ

Singapore, Singapore

Jeroen Decock

Gent, Belgium

Dave Bogard

New York, United States

N

Niels

Berlin, Germany

D

dsfranz

Gaeta, Italy

SteveFylde

United Kingdom

S

Sharon

United States

MZ

Matt Zirwas

United States

o24kristin

Schaumburg, United States

MD

Miles Dodge

CORVALLIS, United States

MW

Matt Willis

United States

W

Wade

United States

FJ

Fe Jones

United States

DB

Dianne Bayes

Huntersville, United States

Jack Doolan

Newcastle, United Kingdom

E

erica

antwerpen, Belgium

S

Susie

Christchurch, New Zealand

Daniel Hammarberg

Gothenburg, Sweden

moursund

Beaver Nation, United States

Max Lettenberger

Madison, WI, United States

Jeremy

Washington State, United States, United States

JT

JW Tabacchi

United States

Kevin

San Francisco, United States

M

Marc

Newcastle upon Tyne, United Kingdom

EB

Erica Brescia

United States

Mouhamed

United States

JD

Jeff DePree

United States

John Prendiville

Portland, United States

ME

Manaal Eisa

Washington DC, United States

TH

tom hd

United Kingdom

MR

Michiel Rauws

San Francisco, Netherlands

Carla

Amsterdam, Netherlands

TM

Tim Marvin

United States

F

Frits

Rotterdam, Netherlands

Donna Manton

Australia, Australia

Mattie Shaw

Seattle, United States

Arend Thorp

Brooklyn, NY, United States

K

Katha

Germany

N

Nick

United States

Aran Dunlop

United States

wissam

Jeddah, Saudi Arabia

Rosario von Li

San Jose, Ca, United States

A

Andrei

United States

A

Adam

United Kingdom

CR

Christine Randall

Brisbane, Australia

AG

abel ghita

Bucharest, Romania, Italy

SH

Steven Huntington

London, United Kingdom

Carlo Cruz

Cincinnati, OH, United States

Thomas

Sweden, Sweden

Gabriel Fenili

Santo André, Brazil

JC

Justin cohan

United States

EthicalHost

Toronto, Canada

BS

Brandon S

United States

V

Vidar

Oslo, Norway

I

isaac

United Kingdom

DK

Danny Kelly

United States

GW

Gregory Wilkie

Halifax, Nova Scotia, Canada

RC

Rudi Chen

United States

A

Ashley

United Kingdom

Carla

United States

NG

Nick Gorrell

Surfers Paradise, Queensland, Australia

Jes-c

United States

AL

Adam Larkin

United States

AL

Aaron Larkin

Minneapolis, Minnesota, United States

SS

Sam Smithson

United Kingdom

JA

Jan Andresen

Hamburg, Germany

Sinan Taifour

Munich, Germany, Germany

L

Lucy

Australia

F

Frank

United States

K

kamvien9

Australia

H

Hans

Czech Republic

Benjamin Kniaz

Boston, United States

SH

Stephanie He

United States

WS

Warren Shen

United States

Day Family

Melbourne, Australia

VC

Victor Chong

United States

Grégoire

Zurich, Switzerland

V

VJ

Canberra, Australia

BP

Bill Piper

United States

Ellen

Michigan, United States

K

Kyle

Durban, United Kingdom

D

Dalton

San Francisco, United States

CJ

Chris Jones

Seattle, United States

HCPSPIRIT

Helsinki, Finland

Dean Suminski

Portland, Oregon, United States

Diane U

Olympia, Wa, Usa, United States

Jean Wren Chan

United States

CM

Colin Marks

United Kingdom

GS

Gary Sinard

Franklin, TN, United States

Doron Elinav

Ramat Gan, Israel

D

David

United States

E

eleni

United Kingdom

France

R

RMIM

United States

KA

Khaled Asmri

Saudi Arabia

DW

Dan Winetsky

United States

JH

Joseph Hwang

Houston, United States

L

Liam

New Zealand

Paul Buchheit

Mountain View, United States

Katja

Switzerland

Tyler Metcalf

Utah, United States

AS

Ajay Sharma

United States

afaness

Germany

ZS

Zach Silveira

Asheville, Nc, United States

EB

Emily Barnes

United States

JB

Jane Bean

United States

Nethanel Kohen

NYC, United States

A

Anonymous

United States

BA

Burf and Patsy

St. John's, Canada

S

SallyM

United States

RS

Rohan Singh

United States

SS

Sam Smith

United States

Darren Jeppson

Denver, Colorado, United States

JF

Jon Freach

United States

T

TP

United States

RD

Roel De Meester

Antwerpen, Belgium

AM

Andy Marston

United Kingdom

Claire Lewis

Wales Uk, United Kingdom

E

EJOBIV

United States

LW

Liz Wanjiku

United States

F

Fay

United Kingdom

BP

Bob P

United States

J

Josie

Australia

Richard Paulin

Sydney, Australia

CH

Christian Holck

United Kingdom

AM

Angela Mason

United States

CF

Credun Farley

United States

TD

Tim Duthie

United Kingdom

DO

Denis Ontiveros

Guildford, United Kingdom

K

kc

United States

M

marco

Netherlands

We Not Me

St. Paul, Minnesota, United States

Ryan

Germany

GA

Gal Ashuach

רעננה, Israel

Girolamo Marroccoli

Basel, Switzerland

H

hayeswmiller

United States

SG

stephen gore

United Kingdom

Francesca

Scotch Plains - New Jersey, United States

Mark Wilco

Columbus, OH, United States

EA

Eric Ayers

Atlanta, United States

BP

Brian Piltz

United States

J

Jim

Canada

SW

SL Wilson

United States

KA

Kate and Tom

United States

Jeanette

Fort Worth, Texas, United States

Peter Collins

Darmstadt, Germany

SM

Sam Mendelson

United Kingdom

Andrew

United States

B

Bram

Germany

Nathan

Columbus, United States

R

Roman

Germany

RS

Ralph Smyth

United Kingdom

LD

Lisa Dresner

United States

NB

Nikolaus Bührer

Karlsruhe, Germany

CA

Chad Aboud

Toronto, Canada

Angela Chu

Toronto, Canada

H

Helen

United States

R

Rafael

Switzerland

N

Noah

Hamburg, Germany

SR

Sean Rodgers

Wellington, New Zealand

S

Sam

New Zealand

MD

Mark Dunphy

United States

AN

Alex N

Australia

A

Anonymous

United States

Sayuri

United Kingdom

CL

Caleb Liu

United States

E

Eduardo

Paraguay

D

Dan

Australia

Supatra Gill

Tooma, New South Wales, Australia

CB

Chris Baker

United States

DB

David Buchanan

Ilmenau, Germany

RT

Ravi Taxali

Markham, Canada

Ask Anthony a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

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