Refraction set to diagnose eye ailments

Pheobe

Bondo Town, Kenya

100% repaid

Entrepreneur

Name

Pheobe

Member since

January 2014

On-time repayments

145 installments  •  34%

About Me

I am a married woman with four children. I live in BONDO Town to the East of Migingo Open Air Market. I am learned up to Form Four {K.C.S.E} level. I was prompted to start my personal business because salary from employment was inadequate to
sustain the family and meet other financial obligations. I use the money earned from the business for paying school fees for my children, turning around the business and general maintenance of the family. I desire to improve and expand the business and hence i would be grateful if i am granted the loan to enable me improve and expand the business. I therefore
undertake to repay the loan without defaulting

My Business

I own a personal Eye Design Optician Shop in Bondo Town, Siaya County Kenya. My business handles eye glasses and other medical equipments such as Refraction sets which is used for diagnosing clients with eye problems.There is high demand for my goods and services because it is one of it's kind in the area. My customers prefer my business to the competition because of my good customer care service. I also deliver the services at affordable rate and faster.The risk my business faces is very minimal since my goods are not
perishable and the security arrangement against theft is tight.My monthly cost is approximately Ksh 35,000.00 and sales revenue is about Ksh 60,000.00 which leaves me a profit of Ksh.25,000.00 per month.If I AM GRANTED THE LOAN, I WILL INVEST IT to improve and expand the
business to enable repay the loan without defaulting.

Loan Proposal

When i get the loan, i will spend it in purchasing a Refraction Set for diagnosing eye problems of my clients so as to dispense the right eye glasses for their usage. Since this is the back bone to my business, it will benefit the business by attracting more clients and putting more confidence in them to be attending to my Optician shop for the services.I will ensure that i stock eye glasses of various types so that my clients get the best of their choices under one roof.

Since the business is poised to expand under the Zidisha Inc Lending initiative, i will spend part of the money in Insurance policy to protect the business against Theft,Burglary and Fire.

Feedback

6

None

None



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Loan Info

Project Type

Classic Loan

Disbursed amount

$449.00

Date disbursed

Sep 6, 2014

Repayment status

On Time

Projected term

7 months

Lenders

D

dannimw

Victoria BC, United Kingdom

jan73

Eugene, United States

Zal0m0n

Atlantis!!!! x), Mauritania

Sarasota

Sarasota, Fl, United States

Sirko

Brandenburg An Der Havel, Germany

M

Madone52

Brisbane, Australia

J

jebediahFND

Oslo, Norway

dlpringle

Denver, United States

mole333

Brooklyn, United States

T

thebonseung

Republic of Korea

Matching Fund

Sterling, United States

camden01

Connecticut, United States

mepster

San Francisco, Ca, United States

Sputnik

Switzerland

Mikers

Netherlands

K

KiraDee

United States

P

Prometheus

Duisburg, Germany

P

Pharmakon33

United States

begood

United States

B

bvp5105

United States

Ask Pheobe 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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  • Norris    Aug 31, 2016

    Have reminded Pheobe and she will be making her repayments soon

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  • Norris    May 25, 2016

    Pheobe will be making her repayments,.

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  • Norris    Apr 1, 2016

    Have just reminded Phoebe to submit her loan repayments, hope she will be doing so.

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  • Pheobe    Feb 18, 2016

    Dear Zidisha Team,
    My reason for change in repayment schedule is that thieves broke into my shop
    and stole almost everything from the shop which left me with nothing to lay my hand
    on. However, it is not permanent. I may increase my installment amount again when my financial situation improves.

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  • Norris    Feb 10, 2016

    I reached out to Phoebe with a reminder about her loan, am hoping to see her make the repayments soon.

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  • Pheobe    Jan 6, 2016

    Dear Elise, thank you for your messages of Dec 8,& 15, 2015 respectively. I am sorry for being quiet for a while. I am alright except my shop was broken into by thieves at night who stole almost all the merchandises from the shop. However, i am making arrangements to resume my repayments soon. Please bear it with me and i am indeed very sorry for the inconvenience caused.

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    • Elise E    Jan 7, 2016

      Pheobe I'm very sorry for your horrible robbery. Thank you for keeping us posted on your business. I hope it improves quickly.

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    • jan73    Jan 12, 2016

      Oh, Pheobe, I am so sorry to hear your distressing news, but glad that you are alright!

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  • Norris    Dec 22, 2015

    Pheobe was unreachable but her contact person agreed to reach her on my behalf.

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  • Elise E    Dec 15, 2015

    Hi Pheobe, are you alright? We haven't heard from you in a few weeks and you haven't responded to any inquiries... I hope you are alright. Can you let us know if there's a problem?

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  • Elise E    Dec 8, 2015

    Pheobe, how is everything going?

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  • Atheist4good    Nov 11, 2015

    Thanks for your message. I hope your business is doing well.

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  • Pheobe    Nov 11, 2015

    Dear Lenders,
    I thank you so much for fund raising which enabled me to receive a loan of 43261 KES from Zidisha Inc.
    I bought additional eye glasses and i will upload another photo indicating the purchased materials.
    Thank you so much for the loan
    Pheobe Odenyo

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  • Pheobe    Nov 3, 2015

    I will buy designer frames, different lenses. The loan will help me to improve my business in earning more profits. I heartdly thank all of the zidisha team for funding me with the loan..lam very happy for the support.

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  • Atheist4good    Oct 31, 2015

    I lent to you already. I don't know why your loan is not being funded.

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  • Pheobe    Oct 31, 2015

    Dear have sent my photos hoping that you will process my loan .and may the Lord bless you for the good work .

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  • Pheobe    Oct 23, 2015

    Dear Zidisha,
    My loan fund raising appears to have stagnated since only 17% of the requested loan has been raised and yet only 4 days is left to the deadline date. I earnestly appeal to my dear lenders to consider my loan request and grant it as failure to that will subject my business to catastrophic financial loss. I uploaded a photo from my phone which did not feature nicely in my page.
    However, i am making arrangement to upload another better photograph which will show all the items in my shop.
    Thank you
    May God bless you all.

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    • Atheist4good    Oct 28, 2015

      Where is the new photo? You are selling glasses and it is blurry, not a positive message. This is your second chance to get the loan if you don't make it this time I will not lend to you again. Not a good thing to promise to do something for your own benefit and not getting it done!

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  • Pheobe    Oct 13, 2015

    I bought ultra modern Refraction Set and stocked my shop with various types of eye glasses which attracted and served my clients satisfactorily.
    The purchase made a positive difference to my clients and me because clients were sure to get the services they wanted and also benefited from the big turn out of customers who visited my shop for my services.
    My earnings in the investment increased by about 15% as compared to the previous earnings.
    I used the increased earnings in purchasing 1acre of land to put up a home.
    Due to your funding, i managed to maintain my family well and even educate my
    children some of up to college Diploma level.
    I have not organized for holidays this time round because we uniquely had funeral cases due to Road Traffic Accidents which financially drained my pockets.
    According to our culture, when death occurs of a neighbor, people from within the neighborhood are mortgaged with certain mandatory amount contribute to feed mourners from far flung areas who have just come to condole the bereaved members of the family.

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  • Pheobe    Sep 8, 2015

    I have had a lot of unforeseen circumstances such as death of my 3 closer relatives who were involved in a fatal road accident and died instantly. The investment i made with the loan has given me a good turn out but i have been subjected to an expenditure which i never planed due the calamity.

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  • Pheobe    Jun 2, 2015

    Dear Zidisha Team, i have received a loan of KES 41,246.00 and i thank you very much for the loan. I will use the money to purchase different types of eye glasses
    and a modern vision Refraction Machine so as to improve service delivery to my clients.
    Thank you once again for the loan.
    May the Almighty God bless zidisha abundantly.

    Pheobe Odenyo

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    • jan73    Jul 25, 2015

      How is your business going with the new refraction machine? I imagine it must improve your ability to provide the best correction possible and so must lead to happy customers.
      Best wishes!
      Jan

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  • jan73    May 30, 2015

    Pheobe,

    Hooray on raising your new loan early!

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  • Victor    May 27, 2015

    All the best Pheobe.
    To lenders, kindly visit my page- been struggling for months to raise this second loan but I believe in you this time

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