Tea farming to support my grandchild's education
Angelica
Embu, Kanja, Kenya
4% repaid
Entrepreneur
Name
Angelica
Member since
February 2015
On-time repayments
150 installments • 2%
About Me
I am a mother of five children. I did not get higher education, although I would love to see my children and grandchildren study to the university. My husband passed on two years ago after a fight with cancer and his departure left my family in a bad financial situation because he was the breadwinner. Also, a lot of money was spent in hospital. Earlier, I also lost my eldest son who had studied at the university. I was therefore left to look after his children, who are my grandchildren. I earn my living through farming, which is the main source of income in my area (which is a rural area).
My Business
Tea farming is my main business or source of income. The success of tea farming as a business depends so much on managing workers and the tea stems. Other than labour and fertilizers, there are no major costs for this activity. I get a net annual income of about 250,000 KES (approx. US$2,700). KTDA offers us some bags of fertilizers, but they are not adequate to support my entire tea plantation.
Loan Proposal
I will use the loan to purchase 10 baskets that are normally used to put tea when one is plucking tea. These will cost KES 3000 (US$34). I will use KES 4000 (US$44) to pay workers so that I am able to pay them immediately after they pluck tea. Asking them to wait till money is released by our market has proven to be costly because the workers often refuse to pluck until they are paid. I will use the remaining KES 2000 (US$22) to buy food in bulk for the workers.
About Me
I am a mother of five children.I did not get higher education although I would love to see my children and grandchildren study to the university.My husband passed on two years ago after a fight with cancer and his departure left my family in a bad financial situation because he was the breadwinner. Also, a lot of money was spent in hospital. Earlier, I also lost my eldest son who had studied to the university.I was therefore left to look after his children, who is my grandchild.I earn my living through farming, which is the main source of income in my area (which is a rural area).
My Business
Tea farming is my main business or source of income.The success of tea farming as a business depends so much on managing workers and the tea stems.Other than labour and fertilizers, there are no major costs for this activity.I get a net annual income of about 250,000 KES (approx. US$2,700). KTDA offers us some bags of fertilizers but which are not adequate to support my entire tea plantation.
Loan Proposal
I will use the loan to purchase 10 baskets that are normally used to put tea when one is plucking tea. These will cost KES 3000 (US$34). I will use KES 4000 (US$44) to pay workers so that I am able to them immediately after they pluck tea. Asking them to wait till money is released by our market has proven to be costly because the workers often refuse to pluck until they are paid. I will use the remaining KES 2000 (US$22) to buy food in bulk for the workers.
Feedback
Positive
None
Neutral
None
Negative
None
Loan Info
Project Type
Classic Loan
Disbursed amount
$100.00
Date disbursed
Feb 24, 2015
Repayment status
Late
Projected term
35 months
Lenders
Mountain Home, United States
Germany
Jake Gibson and Beverly Picardo
San Francisco, United States
Summary
Amount repaid
$4.46
Amount remaining
$112.69
Expected completion
Jan 21, 2018
Status
Repaying late
Installment amount
$1.11
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Mar 8, 2015 | $2.20 | Aug 20, 2015 | $2.20 |
| Mar 15, 2015 | $0.02 | Aug 20, 2015 | $0.02 |
| Mar 22, 2015 | $0.00 | ||
| Mar 29, 2015 | $0.00 | ||
| 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 | $0.00 | ||
| May 17, 2015 | $0.00 | ||
| May 24, 2015 | $0.00 | ||
| May 31, 2015 | $0.00 | ||
| Jun 7, 2015 | $0.00 | ||
| Jun 14, 2015 | $0.00 | ||
| Jun 21, 2015 | $0.00 | ||
| Jun 28, 2015 | $0.00 | ||
| Jul 5, 2015 | $0.00 | ||
| Jul 12, 2015 | $0.00 | ||
| Jul 19, 2015 | $0.00 | ||
| Jul 26, 2015 | $0.00 | ||
| Aug 2, 2015 | $0.00 | ||
| Aug 9, 2015 | $0.00 | ||
| Aug 16, 2015 | $0.00 | ||
| Aug 23, 2015 | $0.00 | ||
| Aug 30, 2015 | $1.11 | Sep 2, 2015 | $0.56 |
| Sep 2, 2015 | $0.56 | ||
| Sep 6, 2015 | $0.01 | Sep 2, 2015 | $0.01 |
| Sep 13, 2015 | $0.00 | ||
| Sep 20, 2015 | $0.00 | ||
| Sep 27, 2015 | $0.00 | ||
| Oct 4, 2015 | $0.00 | ||
| Oct 11, 2015 | $0.00 | ||
| Oct 18, 2015 | $0.00 | ||
| Oct 25, 2015 | $0.00 | ||
| Nov 1, 2015 | $0.00 | ||
| Nov 8, 2015 | $0.00 | ||
| Nov 15, 2015 | $0.00 | ||
| Nov 22, 2015 | $0.00 | ||
| Nov 29, 2015 | $0.00 | ||
| Dec 6, 2015 | $0.00 | ||
| Dec 13, 2015 | $0.00 | ||
| Dec 20, 2015 | $0.00 | ||
| Dec 27, 2015 | $0.00 | ||
| Jan 3, 2016 | $0.00 | ||
| Jan 10, 2016 | $0.00 | ||
| Jan 17, 2016 | $0.00 | ||
| Jan 24, 2016 | $0.00 | ||
| Jan 31, 2016 | $0.00 | ||
| Feb 7, 2016 | $0.00 | ||
| Feb 14, 2016 | $1.11 | Feb 25, 2016 | $1.11 |
| Feb 21, 2016 | $1.11 | ||
| Feb 28, 2016 | $1.11 | ||
| Mar 6, 2016 | $1.11 | ||
| Mar 13, 2016 | $1.11 | ||
| Mar 20, 2016 | $1.11 | ||
| Mar 27, 2016 | $1.11 | ||
| Apr 3, 2016 | $1.11 | ||
| Apr 10, 2016 | $1.11 | ||
| Apr 17, 2016 | $1.11 | ||
| Apr 24, 2016 | $1.11 | ||
| May 1, 2016 | $1.11 | ||
| May 8, 2016 | $1.11 | ||
| May 15, 2016 | $1.11 | ||
| May 22, 2016 | $1.11 | ||
| May 29, 2016 | $1.11 | ||
| Jun 5, 2016 | $1.11 | ||
| Jun 12, 2016 | $1.11 | ||
| Jun 19, 2016 | $1.11 | ||
| Jun 26, 2016 | $1.11 | ||
| Jul 3, 2016 | $1.11 | ||
| Jul 10, 2016 | $1.11 | ||
| Jul 17, 2016 | $1.11 | ||
| Jul 24, 2016 | $1.11 | ||
| Jul 31, 2016 | $1.11 | ||
| Aug 7, 2016 | $1.11 | ||
| Aug 14, 2016 | $1.11 | ||
| Aug 21, 2016 | $1.11 | ||
| Aug 28, 2016 | $1.11 | ||
| Sep 4, 2016 | $1.11 | ||
| Sep 11, 2016 | $1.11 | ||
| Sep 18, 2016 | $1.11 | ||
| Sep 25, 2016 | $1.11 | ||
| Oct 2, 2016 | $1.11 | ||
| Oct 9, 2016 | $1.11 | ||
| Oct 16, 2016 | $1.11 | ||
| Oct 23, 2016 | $1.11 | ||
| Oct 30, 2016 | $1.11 | ||
| Nov 6, 2016 | $1.11 | ||
| Nov 13, 2016 | $1.11 | ||
| Nov 20, 2016 | $1.11 | ||
| Nov 27, 2016 | $1.11 | ||
| Dec 4, 2016 | $1.11 | ||
| Dec 11, 2016 | $1.11 | ||
| Dec 18, 2016 | $1.11 | ||
| Dec 25, 2016 | $1.11 | ||
| Jan 1, 2017 | $1.11 | ||
| Jan 8, 2017 | $1.11 | ||
| Jan 15, 2017 | $1.11 | ||
| Jan 22, 2017 | $1.11 | ||
| Jan 29, 2017 | $1.11 | ||
| Feb 5, 2017 | $1.11 | ||
| Feb 12, 2017 | $1.11 | ||
| Feb 19, 2017 | $1.11 | ||
| Feb 26, 2017 | $1.11 | ||
| Mar 5, 2017 | $1.11 | ||
| Mar 12, 2017 | $1.11 | ||
| Mar 19, 2017 | $1.11 | ||
| Mar 26, 2017 | $1.11 | ||
| Apr 2, 2017 | $1.11 | ||
| Apr 9, 2017 | $1.11 | ||
| Apr 16, 2017 | $1.11 | ||
| Apr 23, 2017 | $1.11 | ||
| Apr 30, 2017 | $1.11 | ||
| May 7, 2017 | $1.11 | ||
| May 14, 2017 | $1.11 | ||
| May 21, 2017 | $1.11 | ||
| May 28, 2017 | $1.11 | ||
| Jun 4, 2017 | $1.11 | ||
| Jun 11, 2017 | $1.11 | ||
| Jun 18, 2017 | $1.11 | ||
| Jun 25, 2017 | $1.11 | ||
| Jul 2, 2017 | $1.11 | ||
| Jul 9, 2017 | $1.11 | ||
| Jul 16, 2017 | $1.11 | ||
| Jul 23, 2017 | $1.11 | ||
| Jul 30, 2017 | $1.11 | ||
| Aug 6, 2017 | $1.11 | ||
| Aug 13, 2017 | $1.11 | ||
| Aug 20, 2017 | $1.11 | ||
| Aug 27, 2017 | $1.11 | ||
| Sep 3, 2017 | $1.11 | ||
| Sep 10, 2017 | $1.11 | ||
| Sep 17, 2017 | $1.11 | ||
| Sep 24, 2017 | $1.11 | ||
| Oct 1, 2017 | $1.11 | ||
| Oct 8, 2017 | $1.11 | ||
| Oct 15, 2017 | $1.11 | ||
| Oct 22, 2017 | $1.11 | ||
| Oct 29, 2017 | $1.11 | ||
| Nov 5, 2017 | $1.11 | ||
| Nov 12, 2017 | $1.11 | ||
| Nov 19, 2017 | $1.11 | ||
| Nov 26, 2017 | $1.11 | ||
| Dec 3, 2017 | $1.11 | ||
| Dec 10, 2017 | $1.11 | ||
| Dec 17, 2017 | $1.11 | ||
| Dec 24, 2017 | $1.11 | ||
| Dec 31, 2017 | $1.11 | ||
| Jan 7, 2018 | $1.11 | ||
| Jan 14, 2018 | $1.11 | ||
| Jan 21, 2018 | $1.58 | ||
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