Seeking loan of to install electricity in the food premise
Judith
Tajo Village, Kenya
8% repaid
Entrepreneur
Name
Judith
Member since
April 2015
On-time repayments
102 installments • 24%
About Me
I am Judith Akoth, I was born and raised up in a rural community of Mbita. I was the 1st born in a family of six. My parents were peasant farmers.
My early life was really hard. We were faced with lack of food most of the time. I did not continue to High School and got married at a very early age. My husband is a Carpenter. I have struggled with life and raising surplus income to supplement my husband meager income has been a challenge.
Lack of proper income to support our young but steadily growing family compelled me to start a mixed organic food & trees farm in a lease 1 acre land.
This mixed farm has done so well and produce enough food to feed my family of 4 children (3 boys and 1 girl), though started as a very small farm behind our main house, this farm has grown and I had to sale off surplus food to neighbours. This is how my current farming business began in my backyard.
In my free time, I do visit the sick in the nearby Mbita District Hospital to pray and encourage the sick.
My Business
I started growing kales which was highly productive. The new organic farming techniques were introduced to us by the USAID, an American NGO working with women, orphans and vulnerable children to create social - enterprise among African peasant farmers for holistic development. From the income of the surplus food sold, I developed a passion for this business I liked the business with time I had collected almost one turn of manure and started horticulture farming. Things turned out well,and I was able to pay for my children school fees with ease even after the sudden death of my husband.
I grow kales, carrots, watermellons, cabbages, onions, tomatoes and oranges for sale. The farm is doing well, though it has not expanded very well due to some interruptions.
I choose this business because it is less capital intensive and kales grow so fast. I do keep goats that produces manure which we use to grow kales, while the farm gives them feeds.This symbiotic relationship has made farming to be even cheaper.
I normally use KES 19,000 to pay casual labourers helping me in my farm on a monthly basis and take home a profit of KES 12,000 per month besides vegetable, tomatoes and kales for use at home.
Loan Proposal
I am seeking a loan of KES 36,014 to enable me install electricity in my food premise. With electricity installation, I will be able to use clean energy in cooking, food storage, lighting. If I add electricity with the food warmer I bought with the 2nd loan from ZIDISHA, I will be able to sell fresh and delicious food. My fresh food business has picked up and doing very well.
It will keep food fresh and enable me to serve my clients with a lot of ease and increase my profit will increase upto 40% per week. I will repay the loan in time and seek more funds.
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Loan Info
Project Type
Classic Loan
Disbursed amount
$362.00
Date disbursed
Nov 18, 2015
Repayment status
Late
Projected term
18 months
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Summary
Amount repaid
$30.00
Amount remaining
$348.27
Expected completion
May 21, 2017
Status
Repaying late
Installment amount
$5.00
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Nov 29, 2015 | $10.00 | Dec 18, 2015 | $10.00 |
| Dec 6, 2015 | $0.00 | ||
| Dec 13, 2015 | $0.00 | ||
| Dec 20, 2015 | $0.00 | ||
| Dec 27, 2015 | $5.00 | Feb 14, 2016 | $5.00 |
| Jan 3, 2016 | $5.00 | Feb 14, 2016 | $5.00 |
| Jan 10, 2016 | $5.00 | Feb 22, 2016 | $5.00 |
| Jan 17, 2016 | $5.00 | Feb 22, 2016 | $5.00 |
| Jan 24, 2016 | $5.00 | ||
| Jan 31, 2016 | $5.00 | ||
| Feb 7, 2016 | $5.00 | ||
| Feb 14, 2016 | $5.00 | ||
| Feb 21, 2016 | $5.00 | ||
| Feb 28, 2016 | $5.00 | ||
| Mar 6, 2016 | $5.00 | ||
| Mar 13, 2016 | $5.00 | ||
| Mar 20, 2016 | $5.00 | ||
| Mar 27, 2016 | $5.00 | ||
| Apr 3, 2016 | $5.00 | ||
| Apr 10, 2016 | $5.00 | ||
| Apr 17, 2016 | $5.00 | ||
| Apr 24, 2016 | $5.00 | ||
| May 1, 2016 | $5.00 | ||
| May 8, 2016 | $5.00 | ||
| May 15, 2016 | $5.00 | ||
| May 22, 2016 | $5.00 | ||
| May 29, 2016 | $5.00 | ||
| Jun 5, 2016 | $5.00 | ||
| Jun 12, 2016 | $5.00 | ||
| Jun 19, 2016 | $5.00 | ||
| Jun 26, 2016 | $5.00 | ||
| Jul 3, 2016 | $5.00 | ||
| Jul 10, 2016 | $5.00 | ||
| Jul 17, 2016 | $5.00 | ||
| Jul 24, 2016 | $5.00 | ||
| Jul 31, 2016 | $5.00 | ||
| Aug 7, 2016 | $5.00 | ||
| Aug 14, 2016 | $5.00 | ||
| Aug 21, 2016 | $5.00 | ||
| Aug 28, 2016 | $5.00 | ||
| Sep 4, 2016 | $5.00 | ||
| Sep 11, 2016 | $5.00 | ||
| Sep 18, 2016 | $5.00 | ||
| Sep 25, 2016 | $5.00 | ||
| Oct 2, 2016 | $5.00 | ||
| Oct 9, 2016 | $5.00 | ||
| Oct 16, 2016 | $5.00 | ||
| Oct 23, 2016 | $5.00 | ||
| Oct 30, 2016 | $5.00 | ||
| Nov 6, 2016 | $5.00 | ||
| Nov 13, 2016 | $5.00 | ||
| Nov 20, 2016 | $5.00 | ||
| Nov 27, 2016 | $5.00 | ||
| Dec 4, 2016 | $5.00 | ||
| Dec 11, 2016 | $5.00 | ||
| Dec 18, 2016 | $5.00 | ||
| Dec 25, 2016 | $5.00 | ||
| Jan 1, 2017 | $5.00 | ||
| Jan 8, 2017 | $5.00 | ||
| Jan 15, 2017 | $5.00 | ||
| Jan 22, 2017 | $5.00 | ||
| Jan 29, 2017 | $5.00 | ||
| Feb 5, 2017 | $5.00 | ||
| Feb 12, 2017 | $5.00 | ||
| Feb 19, 2017 | $5.00 | ||
| Feb 26, 2017 | $5.00 | ||
| Mar 5, 2017 | $5.00 | ||
| Mar 12, 2017 | $5.00 | ||
| Mar 19, 2017 | $5.00 | ||
| Mar 26, 2017 | $5.00 | ||
| Apr 2, 2017 | $5.00 | ||
| Apr 9, 2017 | $5.00 | ||
| Apr 16, 2017 | $5.00 | ||
| Apr 23, 2017 | $5.00 | ||
| Apr 30, 2017 | $5.00 | ||
| May 7, 2017 | $5.00 | ||
| May 14, 2017 | $5.00 | ||
| May 21, 2017 | $3.27 | ||
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