Entrepreneur
Name
Judy
Member since
April 2014
On-time repayments
207 installments • 65%
About Me
I am Judy Karambu. I am 29 years old and married with two lovely daughters. I live in Chogoria, located in the eastern part of Kenya. I am a graduate with a degree in nursing. I am currently working as a tutor at nursing college with very little income that cannot sustain my family fully. I intend to do my master's, hence the reason for my enterprenuship. My business generates income to support my family and savings for my master's education.
I am motivated by the fact that I have to make my life and those of my children better. I juggle my time as a tutor and a businesswoman. I have just enrolled for my master's of science in nursing education and I am hoping I will manage to push through, since I believe in investing in education. I look forward to receiving your support, as you have always done in the past.
My Business
I have been selling handbags since May of last year. I started the business to supplement my meagre salary as a tutor. The initial capital invested in the business was $232 and I buy the bags from Nairobi's Gikomba and Kariokor markets. At first most of my customers were colleagues and neighbours; however, my clientele has increased because of referrals.
My intentions are to expand my business to include secondhand clothes and shoes. I want to make my business grow to a big boutique where my customers can find everything under one roof.
My business has now picked up. I have added an M-Pesa [mobile money transfer] agent, and I am now selling clothes and shoes and I still want to expand and open another subbranch in a nearby market in order to raise more income to help me in my master's which I have just started. Thanks in advance.
Loan Proposal
Once again i take this opportunity to thank zidisha for their continued support.I am applying this loan in order to add more stock to my business targeting the increased number of customers this festive season.I wish to add more shoes and handbags because many of my customers are now around for the holidays and the clientele has increased.My business is doing well so far and with increased stock i will be able to serve my increased customers better.
About Me
I am Judy Karambu. I am 32 years and married with two lovely daughters.I live in Chogoria located in the eastern part of Kenya. I am a graduate with a degree in nursing. Am currently working as a tutor at Nursing college with very little income that can not sustain my family fully.I intend to do my masters hence the reason for my enterprenuship.my business generates income for my family support and savings for my masters education. I am motivated by the fact that I have to make my life and those of my children better. I juggle my time as a tutor and as a business woman.I have just enrolled for my masters of science in nursing education and i am hoping i will manage to push through since i believe in investing in education.i look forward to receiving your support as you have always done in the past.Be blessed
My Business
I have been selling handbags since may last year. I started the business to supplement my meagre salary as a tutor. The initial capital invested in the business was $232 and I buy the bags from Nairobi's Gikomba and Kariokor markets. At first most of my customers were colleagues and neighbours however,my clientele has increased because of referrals. My intentions are to expand my business to include second clothes and shoes. I want to make my business grow my business to a big boutique where my customers can find everything under one roof.my business has now picked.i have added mpesa agent,now selling clothes and shoes and i still want to expand and open another subbranch in a nearby market in order to raise more income to help me in my masters which i have just started.Thanks in adavnce.
Loan Proposal
Once again i take this opportunity to thank zidisha for their continued support.I am applying this loan in order to add more stock to my business targeting the increased number of customers this festive season.I wish to add more shoes and handbags because many of my customers are now around for the holidays and the clientele has increased.My business is doing well so far and with increased stock i will be able to serve my increased customers better.
Feedback
Positive
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Neutral
None
Negative
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Loan Info
Project Type
Classic Loan
Disbursed amount
$336.00
Date disbursed
Nov 12, 2014
Repayment status
On Time
Projected term
7 months
Other loans
Lenders
United States
san francisco, United States
United Kingdom
Ask Judy a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.
Summary
Amount repaid
$370.06
Amount remaining
$0.00
Date repaid
Jul 13, 2015
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Nov 23, 2014 | $23.20 | Nov 24, 2014 | $23.20 |
| Nov 30, 2014 | $23.20 | Nov 24, 2014 | $0.09 |
| Nov 29, 2014 | $23.11 | ||
| Dec 7, 2014 | $11.55 | Nov 29, 2014 | $0.18 |
| Dec 3, 2014 | $11.36 | ||
| Dec 14, 2014 | $11.36 | Dec 24, 2014 | $11.36 |
| Dec 21, 2014 | $11.36 | Dec 26, 2014 | $11.36 |
| Dec 28, 2014 | $0.00 | ||
| Jan 4, 2015 | $0.00 | ||
| Jan 11, 2015 | $6.82 | Jan 27, 2015 | $6.82 |
| Jan 18, 2015 | $6.82 | Jan 27, 2015 | $6.82 |
| Jan 25, 2015 | $6.82 | Jan 27, 2015 | $6.82 |
| Feb 1, 2015 | $6.82 | Jan 27, 2015 | $2.27 |
| Mar 4, 2015 | $4.55 | ||
| Feb 8, 2015 | $6.82 | Mar 4, 2015 | $6.82 |
| Feb 15, 2015 | $2.27 | Mar 4, 2015 | $2.27 |
| Feb 22, 2015 | $0.00 | ||
| Mar 1, 2015 | $0.00 | ||
| Mar 8, 2015 | $0.00 | ||
| Mar 15, 2015 | $0.00 | ||
| Mar 22, 2015 | $17.05 | Mar 29, 2015 | $17.05 |
| Mar 29, 2015 | $17.05 | Mar 29, 2015 | $5.68 |
| Mar 31, 2015 | $11.36 | ||
| Apr 5, 2015 | $0.00 | ||
| Apr 12, 2015 | $0.00 | ||
| Apr 19, 2015 | $0.00 | ||
| Apr 26, 2015 | $11.36 | Apr 25, 2015 | $11.36 |
| May 3, 2015 | $11.36 | May 2, 2015 | $11.36 |
| May 10, 2015 | $11.36 | May 12, 2015 | $11.36 |
| May 17, 2015 | $11.36 | May 19, 2015 | $11.36 |
| May 24, 2015 | $11.36 | May 28, 2015 | $11.36 |
| May 31, 2015 | $11.36 | Jun 1, 2015 | $11.36 |
| Jun 7, 2015 | $45.45 | Jun 15, 2015 | $45.45 |
| Jun 14, 2015 | $0.00 | ||
| Jun 21, 2015 | $0.00 | ||
| Jun 28, 2015 | $0.00 | ||
| Jul 5, 2015 | $0.00 | ||
| Jul 12, 2015 | $105.28 | Jul 13, 2015 | $105.28 |
BernadetteV Oct 13, 2017
Ed Apr 25, 2017
BernadetteV Apr 25, 2017
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