Entrepreneur
Name
Ephantus
Member since
September 2015
On-time repayments
280 installments • 72%
About Me
MY STORY
My name is Ephantus Ndirangu born in 1989 in Nyeri County in central Kenya. Am a God fearing man and a father of one daughter and happily married to one wife for two years. I went to Kigogo-ini primary school in 1995 and later went to Kiriti secondary school in 2003.in 2011 I joined Outspan College and pursued certificate in information and technology. In 2012 my father passed away and my mother was left alone to struggled with me in raising school fees and I finished with a lot of financial difficulties since also my sister was behind me in high school whereby she relied on borrowing loans in local women self help groups luckily enough God made me through .After I finished my college studies I was employed in as a waiter in a hotel and due to passion in ICT sector I saved some cash and I was able to purchase two computers and I started my own business so as to make the ends meet.
My Business
MY BUSINESS
My business is called vision computers and the name originates for the great vision I have for the future of my family and my community have two computer and a printer that I use to design wedding cards, fundraising cards, printing projects and teaching computer packages for which I have operated for one and a half years. I intend to continue with the business so as to change the life of my family and improve their living standards since my area is growing at a high speed and there is no cybercafe around
LOAN PROPOSAL
On my second loan due to my customers demands in our area I intend to purchase a portable laptop for freelance work in remote areas where there is no electricity , which I can use to upload photographs for outside events like weddings birthdays and even graduations ceremonies. With this laptop my business photographs will have enough storage space and secure.since my customers believe in my excellent work I want to reach them even in remote areas .with this i will be able to print instant photographs to sell to my customers and maintain high quality services. This will increase my income by 20% from the previous earnings .
A lot of thanks to Zidisha founders who came up with this idea that has really made me support my family and expand myself business wise. I have high expectations to be funded on my next loan.
Thanks in advance
Loan Proposal
On my third loan I need the fund to improve my new business venture in retail shop provisions and consumption's . I also intend to increase my Mpesa float . If I get funds I will manage to add plus items that my customers needs most. To the Mpesa Services my customers have increased and therefore I need to increase my float to meet their needs. The amount I will receive as Cash towards the items I will purchase and towards adding float will make a profit of 25% profit increment of the whole business .The amount funded will help me go direct to distributor avoiding brokers and hence this will help me increase profit margin. With all this I will be able to support my family and meet their demands.
Thanks in advance
Feedback
Positive
None
Neutral
None
Negative
None
Loan Info
Project Type
Classic Loan
Disbursed amount
$690.00
Date disbursed
Sep 21, 2017
Repayment status
Late
Projected term
43 months
Other loans
Lenders
United States
United States
Jake Gibson and Beverly Picardo
San Francisco, United States
Summary
Amount repaid
$533.44
Amount remaining
$157.27
Expected completion
Apr 28, 2021
Status
Repaying late
Installment amount
$11.17
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Oct 4, 2017 | $7.93 | Oct 4, 2017 | $7.93 |
| Oct 11, 2017 | $7.93 | Oct 10, 2017 | $7.93 |
| Oct 18, 2017 | $7.93 | Oct 18, 2017 | $7.93 |
| Oct 25, 2017 | $7.93 | Oct 29, 2017 | $3.96 |
| Nov 4, 2017 | $3.96 | ||
| Nov 1, 2017 | $3.96 | Nov 5, 2017 | $3.96 |
| Nov 8, 2017 | $3.96 | Nov 9, 2017 | $3.96 |
| Nov 15, 2017 | $3.96 | Nov 15, 2017 | $3.96 |
| Nov 22, 2017 | $3.96 | Nov 22, 2017 | $3.96 |
| Nov 29, 2017 | $3.96 | Nov 25, 2017 | $1.98 |
| Nov 29, 2017 | $1.98 | ||
| Dec 6, 2017 | $3.96 | Nov 29, 2017 | $0.99 |
| Dec 9, 2017 | $2.97 | ||
| Dec 13, 2017 | $3.96 | Dec 9, 2017 | $0.99 |
| Dec 11, 2017 | $1.98 | ||
| Dec 13, 2017 | $0.99 | ||
| Dec 20, 2017 | $3.96 | Dec 13, 2017 | $0.99 |
| Dec 29, 2017 | $2.97 | ||
| Dec 27, 2017 | $3.96 | Dec 29, 2017 | $1.98 |
| Jan 7, 2018 | $1.98 | ||
| Jan 3, 2018 | $3.96 | Jan 7, 2018 | $1.98 |
| Jan 16, 2018 | $1.98 | ||
| Jan 10, 2018 | $3.96 | Jan 16, 2018 | $1.98 |
| Jan 24, 2018 | $1.98 | ||
| Jan 17, 2018 | $3.96 | Jan 30, 2018 | $3.96 |
| Jan 24, 2018 | $3.96 | Jan 30, 2018 | $0.50 |
| Jan 31, 2018 | $1.98 | ||
| Feb 3, 2018 | $1.49 | ||
| Jan 31, 2018 | $3.96 | Feb 3, 2018 | $0.50 |
| Feb 10, 2018 | $3.47 | ||
| Feb 7, 2018 | $3.96 | Feb 10, 2018 | $1.49 |
| Feb 18, 2018 | $2.48 | ||
| Feb 14, 2018 | $3.96 | Feb 24, 2018 | $1.98 |
| Feb 26, 2018 | $1.98 | ||
| Feb 21, 2018 | $3.96 | Mar 6, 2018 | $3.96 |
| Feb 28, 2018 | $3.96 | Mar 8, 2018 | $1.98 |
| Mar 11, 2018 | $1.98 | ||
| Mar 7, 2018 | $3.96 | Mar 13, 2018 | $1.98 |
| Mar 15, 2018 | $1.98 | ||
| Mar 14, 2018 | $3.96 | Mar 20, 2018 | $1.98 |
| Mar 23, 2018 | $1.98 | ||
| Mar 21, 2018 | $0.00 | ||
| Mar 28, 2018 | $0.00 | ||
| Apr 4, 2018 | $2.98 | Apr 1, 2018 | $2.97 |
| Apr 4, 2018 | $0.01 | ||
| Apr 11, 2018 | $2.98 | Apr 4, 2018 | $1.97 |
| Apr 15, 2018 | $1.01 | ||
| Apr 18, 2018 | $2.98 | Apr 15, 2018 | $1.96 |
| May 1, 2018 | $1.02 | ||
| Apr 25, 2018 | $2.98 | May 1, 2018 | $0.96 |
| May 2, 2018 | $2.02 | ||
| May 2, 2018 | $2.98 | May 2, 2018 | $0.46 |
| May 4, 2018 | $1.98 | ||
| May 9, 2018 | $0.54 | ||
| May 9, 2018 | $3.96 | May 9, 2018 | $1.44 |
| May 9, 2018 | $0.99 | ||
| May 13, 2018 | $0.99 | ||
| May 16, 2018 | $0.54 | ||
| May 16, 2018 | $3.96 | May 16, 2018 | $0.45 |
| May 17, 2018 | $0.99 | ||
| May 20, 2018 | $0.99 | ||
| May 25, 2018 | $0.99 | ||
| May 28, 2018 | $0.54 | ||
| May 23, 2018 | $3.96 | May 28, 2018 | $0.45 |
| May 29, 2018 | $0.99 | ||
| Jun 7, 2018 | $2.53 | ||
| May 30, 2018 | $3.96 | Jun 7, 2018 | $0.45 |
| Jun 18, 2018 | $3.52 | ||
| Jun 6, 2018 | $3.96 | Jun 18, 2018 | $1.44 |
| Jul 1, 2018 | $2.53 | ||
| Jun 13, 2018 | $3.96 | Jul 1, 2018 | $1.44 |
| Jul 8, 2018 | $1.98 | ||
| Jul 11, 2018 | $0.54 | ||
| Jun 20, 2018 | $3.96 | Jul 11, 2018 | $2.43 |
| Jul 14, 2018 | $1.54 | ||
| Jun 27, 2018 | $3.96 | Jul 14, 2018 | $1.44 |
| Jul 15, 2018 | $1.98 | ||
| Jul 16, 2018 | $0.54 | ||
| Jul 4, 2018 | $3.96 | Jul 16, 2018 | $0.94 |
| Jul 19, 2018 | $2.48 | ||
| Jul 26, 2018 | $0.54 | ||
| Jul 11, 2018 | $2.72 | Jul 26, 2018 | $0.94 |
| Jul 27, 2018 | $1.78 | ||
| Jul 18, 2018 | $0.00 | ||
| Jul 25, 2018 | $0.00 | ||
| Aug 1, 2018 | $1.99 | Aug 1, 2018 | $1.99 |
| Aug 8, 2018 | $1.99 | Aug 1, 2018 | $0.04 |
| Aug 5, 2018 | $1.95 | ||
| Aug 15, 2018 | $1.99 | Aug 5, 2018 | $0.03 |
| Aug 9, 2018 | $1.96 | ||
| Aug 22, 2018 | $1.99 | Aug 9, 2018 | $0.12 |
| Aug 15, 2018 | $1.87 | ||
| Aug 29, 2018 | $0.21 | Aug 15, 2018 | $0.21 |
| Sep 5, 2018 | $4.46 | Aug 23, 2018 | $1.98 |
| Aug 27, 2018 | $1.98 | ||
| Sep 6, 2018 | $0.50 | ||
| Sep 12, 2018 | $4.46 | Sep 6, 2018 | $2.97 |
| Sep 15, 2018 | $1.49 | ||
| Sep 19, 2018 | $4.46 | Sep 15, 2018 | $0.50 |
| Sep 22, 2018 | $2.48 | ||
| Sep 30, 2018 | $1.49 | ||
| Sep 26, 2018 | $2.48 | Sep 30, 2018 | $0.50 |
| Oct 4, 2018 | $1.98 | ||
| Oct 3, 2018 | $0.00 | ||
| Oct 10, 2018 | $1.98 | Oct 9, 2018 | $1.98 |
| Oct 17, 2018 | $1.98 | Oct 15, 2018 | $0.99 |
| Oct 21, 2018 | $0.99 | ||
| Oct 24, 2018 | $1.98 | Oct 21, 2018 | $1.49 |
| Nov 7, 2018 | $0.50 | ||
| Oct 31, 2018 | $1.98 | Nov 7, 2018 | $1.98 |
| Nov 7, 2018 | $1.98 | Nov 7, 2018 | $0.50 |
| Nov 18, 2018 | $1.49 | ||
| Nov 14, 2018 | $4.46 | Nov 18, 2018 | $4.46 |
| Nov 21, 2018 | $1.98 | Nov 18, 2018 | $1.98 |
| Nov 28, 2018 | $1.98 | Nov 28, 2018 | $1.98 |
| Dec 5, 2018 | $1.98 | Dec 12, 2018 | $1.98 |
| Dec 12, 2018 | $1.98 | Dec 12, 2018 | $0.50 |
| Dec 27, 2018 | $1.49 | ||
| Dec 19, 2018 | $1.98 | Dec 27, 2018 | $1.98 |
| Dec 26, 2018 | $1.68 | Dec 27, 2018 | $1.68 |
| Jan 2, 2019 | $1.98 | Jan 17, 2019 | $1.98 |
| Jan 9, 2019 | $1.98 | Jan 17, 2019 | $1.98 |
| Jan 16, 2019 | $1.98 | Jan 17, 2019 | $0.99 |
| Feb 8, 2019 | $0.99 | ||
| Jan 23, 2019 | $1.98 | Feb 8, 2019 | $1.98 |
| Jan 30, 2019 | $1.98 | Feb 8, 2019 | $1.98 |
| Feb 6, 2019 | $4.46 | Feb 8, 2019 | $4.46 |
| Feb 13, 2019 | $4.46 | Feb 8, 2019 | $0.50 |
| Feb 13, 2019 | $1.98 | ||
| Feb 27, 2019 | $1.98 | ||
| Feb 20, 2019 | $4.46 | Feb 27, 2019 | $0.69 |
| Mar 6, 2019 | $3.76 | ||
| Feb 27, 2019 | $4.46 | Mar 6, 2019 | $1.19 |
| Apr 9, 2019 | $3.27 | ||
| Mar 6, 2019 | $4.46 | Apr 9, 2019 | $4.16 |
| Apr 10, 2019 | $0.30 | ||
| Mar 13, 2019 | $4.46 | Apr 10, 2019 | $4.46 |
| Mar 20, 2019 | $4.46 | Apr 10, 2019 | $4.46 |
| Mar 27, 2019 | $4.46 | Apr 10, 2019 | $0.69 |
| Apr 15, 2019 | $1.98 | ||
| Apr 18, 2019 | $1.78 | ||
| Apr 3, 2019 | $4.46 | Apr 18, 2019 | $4.46 |
| Apr 10, 2019 | $4.46 | Apr 18, 2019 | $2.67 |
| May 7, 2019 | $1.78 | ||
| Apr 17, 2019 | $4.46 | May 7, 2019 | $1.68 |
| May 7, 2019 | $2.77 | ||
| Apr 24, 2019 | $4.46 | May 7, 2019 | $4.46 |
| May 1, 2019 | $4.46 | May 7, 2019 | $2.18 |
| May 16, 2019 | $2.28 | ||
| May 8, 2019 | $4.46 | May 16, 2019 | $4.46 |
| May 15, 2019 | $4.46 | May 16, 2019 | $2.18 |
| Jun 13, 2019 | $2.28 | ||
| May 22, 2019 | $4.46 | Jun 13, 2019 | $4.46 |
| May 29, 2019 | $4.46 | Jun 13, 2019 | $2.18 |
| Jun 29, 2019 | $2.28 | ||
| Jun 5, 2019 | $4.46 | Jun 29, 2019 | $4.46 |
| Jun 12, 2019 | $4.46 | Jun 29, 2019 | $4.46 |
| Jun 19, 2019 | $4.46 | Jun 29, 2019 | $4.46 |
| Jun 26, 2019 | $4.46 | Jun 29, 2019 | $4.16 |
| Jun 30, 2019 | $0.30 | ||
| Jul 3, 2019 | $4.46 | Jun 30, 2019 | $4.46 |
| Jul 10, 2019 | $4.46 | Jun 30, 2019 | $4.16 |
| Jul 2, 2019 | $0.30 | ||
| Jul 17, 2019 | $4.46 | Jul 2, 2019 | $4.46 |
| Jul 24, 2019 | $4.46 | Jul 2, 2019 | $3.17 |
| Aug 13, 2019 | $1.29 | ||
| Jul 31, 2019 | $4.46 | Aug 13, 2019 | $4.46 |
| Aug 7, 2019 | $4.46 | Aug 13, 2019 | $3.67 |
| Sep 5, 2019 | $0.79 | ||
| Aug 14, 2019 | $4.46 | Sep 5, 2019 | $4.46 |
| Aug 21, 2019 | $4.46 | Sep 5, 2019 | $4.46 |
| Aug 28, 2019 | $0.69 | Sep 5, 2019 | $0.69 |
| Sep 4, 2019 | $0.00 | ||
| Sep 11, 2019 | $1.98 | Sep 9, 2019 | $1.98 |
| Sep 18, 2019 | $1.98 | Sep 9, 2019 | $1.98 |
| Sep 25, 2019 | $1.98 | Sep 9, 2019 | $1.98 |
| Oct 2, 2019 | $1.98 | Sep 9, 2019 | $1.98 |
| Oct 9, 2019 | $1.98 | Sep 9, 2019 | $0.79 |
| Oct 27, 2019 | $1.19 | ||
| Oct 16, 2019 | $4.46 | Oct 27, 2019 | $4.46 |
| Oct 23, 2019 | $3.27 | Oct 27, 2019 | $3.27 |
| Oct 30, 2019 | $0.99 | Nov 2, 2019 | $0.99 |
| Nov 6, 2019 | $0.99 | Nov 2, 2019 | $0.99 |
| Nov 13, 2019 | $0.99 | Nov 2, 2019 | $0.99 |
| Nov 20, 2019 | $0.99 | Nov 2, 2019 | $0.99 |
| Nov 27, 2019 | $0.99 | Nov 2, 2019 | $0.99 |
| Dec 4, 2019 | $4.46 | Dec 8, 2019 | $4.46 |
| Dec 11, 2019 | $1.49 | Dec 13, 2019 | $1.49 |
| Dec 18, 2019 | $1.49 | Dec 27, 2019 | $1.49 |
| Dec 25, 2019 | $1.49 | Dec 27, 2019 | $1.49 |
| Jan 1, 2020 | $1.49 | Dec 27, 2019 | $1.49 |
| Jan 8, 2020 | $1.49 | Jan 31, 2020 | $1.49 |
| Jan 15, 2020 | $4.46 | Jan 31, 2020 | $4.46 |
| Jan 22, 2020 | $1.98 | Jan 31, 2020 | $1.98 |
| Jan 29, 2020 | $0.00 | ||
| Feb 5, 2020 | $1.98 | Feb 11, 2020 | $1.98 |
| Feb 12, 2020 | $1.98 | Feb 11, 2020 | $1.98 |
| Feb 19, 2020 | $1.98 | Feb 18, 2020 | $1.98 |
| Feb 26, 2020 | $1.98 | Mar 7, 2020 | $1.98 |
| Mar 4, 2020 | $1.98 | Mar 7, 2020 | $1.98 |
| Mar 11, 2020 | $0.00 | ||
| Mar 18, 2020 | $1.98 | Apr 18, 2020 | $1.98 |
| Mar 25, 2020 | $1.98 | Apr 18, 2020 | $1.98 |
| Apr 1, 2020 | $1.98 | Apr 18, 2020 | $0.99 |
| May 9, 2020 | $0.99 | ||
| Apr 8, 2020 | $1.98 | May 9, 2020 | $1.98 |
| Apr 15, 2020 | $1.98 | May 9, 2020 | $1.98 |
| Apr 22, 2020 | $4.46 | May 9, 2020 | $4.46 |
| Apr 29, 2020 | $3.47 | May 9, 2020 | $3.47 |
| May 6, 2020 | $0.00 | ||
| May 13, 2020 | $1.50 | May 25, 2020 | $1.50 |
| May 20, 2020 | $1.50 | May 25, 2020 | $1.48 |
| Jun 28, 2020 | $0.02 | ||
| May 27, 2020 | $1.50 | Jun 28, 2020 | $1.50 |
| Jun 3, 2020 | $1.50 | Jun 28, 2020 | $1.50 |
| Jun 10, 2020 | $1.50 | Jun 28, 2020 | $1.50 |
| Jun 17, 2020 | $4.11 | Jun 28, 2020 | $4.11 |
| Jun 24, 2020 | $0.00 | ||
| Jul 1, 2020 | $1.00 | Jul 5, 2020 | $1.00 |
| Jul 8, 2020 | $1.00 | Jul 5, 2020 | $0.98 |
| Jul 24, 2020 | $0.02 | ||
| Jul 15, 2020 | $1.00 | Jul 24, 2020 | $1.00 |
| Jul 22, 2020 | $1.00 | Jul 24, 2020 | $1.00 |
| Jul 29, 2020 | $1.00 | Jul 24, 2020 | $0.95 |
| Aug 7, 2020 | $0.05 | ||
| Aug 5, 2020 | $4.46 | Aug 7, 2020 | $1.93 |
| Aug 31, 2020 | $2.53 | ||
| Aug 12, 2020 | $2.43 | Aug 31, 2020 | $2.43 |
| Aug 19, 2020 | $0.00 | ||
| Aug 26, 2020 | $0.00 | ||
| Sep 2, 2020 | $0.00 | ||
| Sep 9, 2020 | $1.50 | Sep 16, 2020 | $1.50 |
| Sep 16, 2020 | $1.50 | Sep 16, 2020 | $1.48 |
| Oct 11, 2020 | $0.02 | ||
| Sep 23, 2020 | $1.50 | Oct 11, 2020 | $1.50 |
| Sep 30, 2020 | $1.50 | Oct 11, 2020 | $1.50 |
| Oct 7, 2020 | $1.50 | Oct 11, 2020 | $1.50 |
| Oct 14, 2020 | $3.42 | Oct 11, 2020 | $3.42 |
| Oct 21, 2020 | $0.00 | ||
| Oct 28, 2020 | $0.00 | ||
| Nov 4, 2020 | $0.00 | ||
| Nov 11, 2020 | $0.00 | ||
| Nov 18, 2020 | $1.00 | Nov 26, 2020 | $1.00 |
| Nov 25, 2020 | $1.00 | Nov 26, 2020 | $1.00 |
| Dec 2, 2020 | $1.00 | Nov 26, 2020 | $0.97 |
| Dec 27, 2020 | $0.03 | ||
| Dec 9, 2020 | $4.43 | Dec 27, 2020 | $4.43 |
| Dec 16, 2020 | $0.00 | ||
| Dec 23, 2020 | $0.00 | ||
| Dec 30, 2020 | $0.00 | ||
| Jan 6, 2021 | $12.88 | Jan 20, 2021 | $3.96 |
| Feb 8, 2021 | $8.92 | ||
| Jan 13, 2021 | $0.00 | ||
| Jan 20, 2021 | $0.00 | ||
| Jan 27, 2021 | $0.00 | ||
| Feb 3, 2021 | $0.00 | ||
| Feb 10, 2021 | $6.93 | Feb 14, 2021 | $1.98 |
| Feb 22, 2021 | $4.95 | ||
| Feb 17, 2021 | $11.17 | Jun 13, 2021 | $1.98 |
| Jun 14, 2021 | $1.98 | ||
| Jun 15, 2021 | $0.50 | ||
| Jun 20, 2021 | $1.49 | ||
| Jun 22, 2021 | $0.50 | ||
| Jun 28, 2021 | $2.97 | ||
| Dec 7, 2021 | $1.76 | ||
| Feb 24, 2021 | $11.17 | Dec 7, 2021 | $3.19 |
| Dec 20, 2021 | $4.95 | ||
| Dec 26, 2021 | $3.03 | ||
| Mar 3, 2021 | $11.17 | Dec 26, 2021 | $1.92 |
| Jan 3, 2022 | $4.95 | ||
| Jan 11, 2022 | $4.30 | ||
| Mar 10, 2021 | $11.17 | Jan 11, 2022 | $5.61 |
| Jan 19, 2022 | $4.95 | ||
| Jan 31, 2022 | $0.61 | ||
| Mar 17, 2021 | $11.17 | Jan 31, 2022 | $4.34 |
| Mar 24, 2021 | $26.57 | ||
| Mar 31, 2021 | $26.57 | ||
| Apr 7, 2021 | $26.57 | ||
| Apr 14, 2021 | $26.57 | ||
| Apr 21, 2021 | $26.57 | ||
| Apr 28, 2021 | $17.58 | ||
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