Entrepreneur
Name
Josphat
Member since
August 2014
On-time repayments
211 installments • 97%
About Me
My name is Josphat Karuga Njoroge. I am a second born in a family of six children. I live with my family: father, mother and other siblings in Mugaa village. My education is up to secondary school where i completed form 4. i do business of selling grass for cattle in form of bales of hay. what happens is that i buy fields of grass locally and i hire people to cut grass which i pay the 3 shillings per kilogram and the i sell it at a profit. I was taught this business by my brother who do this business in large scale. i get good profit which depends on the amount of dry grass i have. i support my father when he is in need for example to pay some of school fees while i buy my important things such as furniture and clothings and i save some. I usually move where grass is so i am not only based in Mugaa at times.
My Business
My business involves cutting grass and selling it in form of bales of hay. my first client is my brother who started this business several years ago. This business is good because cattles will never stop eating grass and that is what motivates us who are in this business. for example, currently there is huge demand for hay due to lack of rains during april in kenya. I pay local people especially IDPs (internally displaced people) who were moved to our place to cut grass which i buy in kilograms. I pay 3 shilings per one kilogram and then for the rolling machine to make and buy hay bales each at 45 shillings. I get good profit for example in April I bought 4350 kiolgrams of hay at 13050 and sold it and i got 10000 in profit. the challenge is to move and buy large tracts of grass because the seller demands you buy more than you can afford. A zidisha loan will really help me to buy large amounts of grass to sell at a larger profit.
Loan Proposal
Am josphat karug njoroge applying for a third time loan fund of ksh 48783.The amount will enable meet the financial duties and strengthen the foundation of my already two new market points by buying more grass and polythene bags to cover my grass at times of heavy rain and also establish security in the business.the loan will help continue improving my life and the life of my fellow kenyans by creating unending employment to them irrespective of their education level.
This time round i expect profit to increase gradually by 20%.
The loan will be repaid on weekly basis with installments of ksh 600 using the net profit realised.
my market plan is to produce and sell hay bales of different sizes costing differently.through this all farmers small and large scale will have a chance to buy bales at a cost that is pocket friendly.
Granting me the loan for this third time to improve my business and i will be glad.Thank you alot.
Feedback
Positive
2
Neutral
None
Negative
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Loan Info
Project Type
Classic Loan
Disbursed amount
$490.00
Date disbursed
Oct 26, 2015
Repayment status
On Time
Projected term
49 months
Other loans
Lenders
Fontvielle, Monaco, Yemen
United States
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Summary
Amount repaid
$512.03
Amount remaining
$0.00
Date repaid
Jun 26, 2018
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Nov 8, 2015 | $6.00 | Oct 27, 2015 | $6.00 |
| Nov 15, 2015 | $6.00 | Oct 27, 2015 | $6.00 |
| Nov 22, 2015 | $6.00 | Oct 27, 2015 | $6.00 |
| Nov 29, 2015 | $6.00 | Oct 27, 2015 | $6.00 |
| Dec 6, 2015 | $6.00 | Oct 27, 2015 | $6.00 |
| Dec 13, 2015 | $6.00 | Oct 27, 2015 | $6.00 |
| Dec 20, 2015 | $6.00 | Oct 27, 2015 | $6.00 |
| Dec 27, 2015 | $6.00 | Oct 27, 2015 | $6.00 |
| Jan 3, 2016 | $6.00 | Jan 4, 2016 | $6.00 |
| Jan 10, 2016 | $6.00 | Jan 4, 2016 | $6.00 |
| Jan 17, 2016 | $6.00 | Jan 16, 2016 | $6.00 |
| Jan 24, 2016 | $6.00 | Jan 16, 2016 | $6.00 |
| Jan 31, 2016 | $6.00 | Jan 16, 2016 | $6.00 |
| Feb 7, 2016 | $6.00 | Jan 16, 2016 | $3.00 |
| Feb 6, 2016 | $3.00 | ||
| Feb 14, 2016 | $6.00 | Feb 6, 2016 | $6.00 |
| Feb 21, 2016 | $6.00 | Feb 6, 2016 | $6.00 |
| Feb 28, 2016 | $6.00 | Feb 6, 2016 | $6.00 |
| Mar 6, 2016 | $6.00 | Mar 12, 2016 | $3.00 |
| Mar 20, 2016 | $3.00 | ||
| Mar 13, 2016 | $6.00 | Mar 27, 2016 | $3.00 |
| Apr 3, 2016 | $3.00 | ||
| Mar 20, 2016 | $6.00 | Apr 6, 2016 | $6.00 |
| Mar 27, 2016 | $6.00 | Apr 6, 2016 | $6.00 |
| Apr 3, 2016 | $6.00 | Apr 6, 2016 | $6.00 |
| Apr 10, 2016 | $6.00 | Apr 16, 2016 | $3.00 |
| Apr 25, 2016 | $3.00 | ||
| Apr 17, 2016 | $0.00 | ||
| Apr 24, 2016 | $0.00 | ||
| May 1, 2016 | $2.00 | May 4, 2016 | $2.00 |
| May 8, 2016 | $2.00 | May 4, 2016 | $2.00 |
| May 15, 2016 | $2.00 | May 4, 2016 | $2.00 |
| May 22, 2016 | $2.00 | May 4, 2016 | $2.00 |
| May 29, 2016 | $2.00 | Jun 3, 2016 | $2.00 |
| Jun 5, 2016 | $2.00 | Jun 3, 2016 | $2.00 |
| Jun 12, 2016 | $2.00 | Jun 3, 2016 | $2.00 |
| Jun 19, 2016 | $2.00 | Jun 3, 2016 | $2.00 |
| Jun 26, 2016 | $2.00 | Jun 29, 2016 | $2.00 |
| Jul 3, 2016 | $2.00 | Jun 29, 2016 | $2.00 |
| Jul 10, 2016 | $2.00 | Jul 15, 2016 | $2.00 |
| Jul 17, 2016 | $2.00 | Jul 23, 2016 | $2.00 |
| Jul 24, 2016 | $2.00 | Jul 27, 2016 | $2.00 |
| Jul 31, 2016 | $2.00 | Jul 27, 2016 | $2.00 |
| Aug 7, 2016 | $2.00 | Jul 27, 2016 | $2.00 |
| Aug 14, 2016 | $2.00 | Aug 16, 2016 | $2.00 |
| Aug 21, 2016 | $2.00 | Aug 16, 2016 | $2.00 |
| Aug 28, 2016 | $2.00 | Aug 27, 2016 | $2.00 |
| Sep 4, 2016 | $2.00 | Aug 27, 2016 | $2.00 |
| Sep 11, 2016 | $2.00 | Sep 10, 2016 | $2.00 |
| Sep 18, 2016 | $2.00 | Sep 10, 2016 | $2.00 |
| Sep 25, 2016 | $2.00 | Sep 24, 2016 | $2.00 |
| Oct 2, 2016 | $2.00 | Sep 24, 2016 | $2.00 |
| Oct 9, 2016 | $2.00 | Oct 9, 2016 | $2.00 |
| Oct 16, 2016 | $2.00 | Oct 9, 2016 | $2.00 |
| Oct 23, 2016 | $2.00 | Oct 22, 2016 | $2.00 |
| Oct 30, 2016 | $2.00 | Oct 22, 2016 | $2.00 |
| Nov 6, 2016 | $2.00 | Nov 3, 2016 | $2.00 |
| Nov 13, 2016 | $2.00 | Nov 3, 2016 | $2.00 |
| Nov 20, 2016 | $2.00 | Nov 18, 2016 | $2.00 |
| Nov 27, 2016 | $2.00 | Nov 18, 2016 | $2.00 |
| Dec 4, 2016 | $2.00 | Nov 18, 2016 | $2.00 |
| Dec 11, 2016 | $2.00 | Dec 1, 2016 | $2.00 |
| Dec 18, 2016 | $2.00 | Dec 1, 2016 | $2.00 |
| Dec 25, 2016 | $2.00 | Dec 1, 2016 | $2.00 |
| Jan 1, 2017 | $2.00 | Dec 30, 2016 | $2.00 |
| Jan 8, 2017 | $2.00 | Dec 30, 2016 | $2.00 |
| Jan 15, 2017 | $2.00 | Dec 30, 2016 | $2.00 |
| Jan 22, 2017 | $2.00 | Dec 30, 2016 | $2.00 |
| Jan 29, 2017 | $2.00 | Dec 30, 2016 | $2.00 |
| Feb 5, 2017 | $2.00 | Jan 30, 2017 | $2.00 |
| Feb 12, 2017 | $2.00 | Jan 30, 2017 | $2.00 |
| Feb 19, 2017 | $2.00 | Jan 30, 2017 | $2.00 |
| Feb 26, 2017 | $2.00 | Jan 30, 2017 | $2.00 |
| Mar 5, 2017 | $2.00 | Jan 30, 2017 | $2.00 |
| Mar 12, 2017 | $2.00 | Mar 10, 2017 | $2.00 |
| Mar 19, 2017 | $2.00 | Mar 10, 2017 | $2.00 |
| Mar 26, 2017 | $2.00 | Mar 10, 2017 | $2.00 |
| Apr 2, 2017 | $2.00 | Mar 10, 2017 | $2.00 |
| Apr 9, 2017 | $2.00 | Mar 10, 2017 | $2.00 |
| Apr 16, 2017 | $2.00 | Apr 10, 2017 | $2.00 |
| Apr 23, 2017 | $2.00 | Apr 10, 2017 | $2.00 |
| Apr 30, 2017 | $2.00 | Apr 10, 2017 | $2.00 |
| May 7, 2017 | $2.00 | Apr 10, 2017 | $2.00 |
| May 14, 2017 | $2.00 | Apr 10, 2017 | $2.00 |
| May 21, 2017 | $2.00 | Apr 22, 2017 | $2.00 |
| May 28, 2017 | $2.00 | Apr 22, 2017 | $2.00 |
| Jun 4, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Jun 11, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Jun 18, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Jun 25, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Jul 2, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Jul 9, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Jul 16, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Jul 23, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Jul 30, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Aug 6, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Aug 13, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Aug 20, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Aug 27, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Sep 3, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Sep 10, 2017 | $2.00 | May 17, 2017 | $2.00 |
| Sep 17, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Sep 24, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Oct 1, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Oct 8, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Oct 15, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Oct 22, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Oct 29, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Nov 5, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Nov 12, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Nov 19, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Nov 26, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Dec 3, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Dec 10, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Dec 17, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Dec 24, 2017 | $2.00 | Sep 13, 2017 | $2.00 |
| Dec 31, 2017 | $2.00 | Dec 16, 2017 | $2.00 |
| Jan 7, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Jan 14, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Jan 21, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Jan 28, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Feb 4, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Feb 11, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Feb 18, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Feb 25, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Mar 4, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Mar 11, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Mar 18, 2018 | $2.00 | Dec 16, 2017 | $2.00 |
| Mar 25, 2018 | $2.00 | Mar 27, 2018 | $2.00 |
| Apr 1, 2018 | $2.00 | Mar 27, 2018 | $2.00 |
| Apr 8, 2018 | $2.00 | Mar 27, 2018 | $2.00 |
| Apr 15, 2018 | $2.00 | Mar 27, 2018 | $2.00 |
| Apr 22, 2018 | $2.00 | Mar 27, 2018 | $2.00 |
| Apr 29, 2018 | $2.00 | Mar 27, 2018 | $2.00 |
| May 6, 2018 | $2.00 | Mar 27, 2018 | $2.00 |
| May 13, 2018 | $2.00 | Mar 27, 2018 | $2.00 |
| May 20, 2018 | $2.00 | Mar 27, 2018 | $2.00 |
| May 27, 2018 | $2.00 | Mar 27, 2018 | $2.00 |
| Jun 3, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Jun 10, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Jun 17, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Jun 24, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Jul 1, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Jul 8, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Jul 15, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Jul 22, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Jul 29, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Aug 5, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Aug 12, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Aug 19, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Aug 26, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Sep 2, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Sep 9, 2018 | $2.00 | Jun 1, 2018 | $2.00 |
| Sep 16, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Sep 23, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Sep 30, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Oct 7, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Oct 14, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Oct 21, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Oct 28, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Nov 4, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Nov 11, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Nov 18, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Nov 25, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Dec 2, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Dec 9, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Dec 16, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Dec 23, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Dec 30, 2018 | $2.00 | Jun 26, 2018 | $2.00 |
| Jan 6, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jan 13, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jan 20, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jan 27, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Feb 3, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Feb 10, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Feb 17, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Feb 24, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Mar 3, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Mar 10, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Mar 17, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Mar 24, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Mar 31, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Apr 7, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Apr 14, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Apr 21, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Apr 28, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| May 5, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| May 12, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| May 19, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| May 26, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jun 2, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jun 9, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jun 16, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jun 23, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jun 30, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jul 7, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jul 14, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jul 21, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Jul 28, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Aug 4, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Aug 11, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Aug 18, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Aug 25, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Sep 1, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Sep 8, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Sep 15, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Sep 22, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Sep 29, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Oct 6, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Oct 13, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Oct 20, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Oct 27, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Nov 3, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Nov 10, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Nov 17, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Nov 24, 2019 | $2.00 | Jun 26, 2018 | $2.00 |
| Dec 1, 2019 | $0.03 | Jun 26, 2018 | $0.03 |
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