Buy a heifer and change my cattle breed
Florence
Limuru, Kenya
100% repaid
Entrepreneur
Name
Florence
Member since
July 2014
On-time repayments
345 installments • 52%
About Me
My name is Florence Wanjiku, born in Kiambu County in central Kenya. I come from a family of 8 where I am the 6th born. My parents (both deceased) were small scale farmers who worked very hard to provide for the big family. I am a mother of 3 children - all boys aged 25, 17 and 14. The last two are still in school and the first born just cleared college early this year.
I went to local schools for my primary and secondary education and later joined high school for my advanced level. I then did a course in accounts and I later secured a job as a civil servant.
I also do livestock keeping to supplement my income and this enables me to meet my household expenses. I have kept dairy cows through zero grazing method due to the small size of my land.
I am a staunch Christian and a very active member of my church.
My Business
As stated above, I am a livestock farmer who uses zero grazing method. This is putting the cows in a shed and feeding them within the enclosure. I normally feed them with napier grass and wheat bran which I source from local sellers.
Due to the small size of my piece of land, I normally buy the grass from my neighbors who have are in this business. We cut the grass manually and transport it on my back due to lack of other modes of transport.
The terrain of this place is very rough and the best mode of transport is using a donkey. I have planned to buy a donkey for this purpose but due to competing needs, I have always shelved the idea until now that I have this opportunity to get credit from Zidisha.
Loan Proposal
I am currently keeping Friesian dairy cows which are famous for being prolific milk producers. However, the flip-side is that they are heavy feeders and not ideal when feed resources are limited. I normally buy fodder for them since I keep them in an enclosure within my small piece of land. This makes it an expensive venture especially during the dry season when the fodder is scarce.
After seeking advice from dairy experts, I was advised to change from Friesian breed to Ayrshire which, although produces less milk (about 20% less) it is not a heavy feeder and this makes it an ideal choice in my case. I was informed that this breed eats about 40% less than Friesian and this has greatly advised my decision to gradually change to Ayshire.
I am expecting the whole process to take five years but to start with, I need to buy an Ayshire heifer and this will cost me USD350. I am expecting this heifer to calf within one year’s time and thus start the next phase of this transition. I am counting on you to jump-start this process and I am optimistic that you will do it again just as you did when I came to you for the first loan. Thank you.
Feedback
Positive
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Neutral
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Negative
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Loan Info
Project Type
Classic Loan
Disbursed amount
$367.00
Date disbursed
May 11, 2015
Repayment status
On Time
Projected term
21 months
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Summary
Amount repaid
$385.83
Amount remaining
$0.00
Date repaid
Oct 4, 2016
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| May 24, 2015 | $4.28 | May 24, 2015 | $4.28 |
| May 31, 2015 | $4.28 | May 24, 2015 | $0.17 |
| May 31, 2015 | $4.11 | ||
| Jun 7, 2015 | $4.28 | May 31, 2015 | $0.33 |
| Jun 12, 2015 | $3.33 | ||
| Jun 16, 2015 | $0.61 | ||
| Jun 14, 2015 | $4.28 | Jun 16, 2015 | $4.28 |
| Jun 21, 2015 | $4.28 | Jun 16, 2015 | $0.67 |
| Jun 29, 2015 | $3.61 | ||
| Jun 28, 2015 | $4.28 | Jun 29, 2015 | $2.83 |
| Jul 8, 2015 | $1.44 | ||
| Jul 5, 2015 | $4.28 | Jul 8, 2015 | $4.28 |
| Jul 12, 2015 | $4.28 | Jul 8, 2015 | $0.94 |
| Jul 20, 2015 | $3.33 | ||
| Jul 19, 2015 | $4.28 | Jul 20, 2015 | $3.11 |
| Jul 23, 2015 | $1.17 | ||
| Jul 26, 2015 | $4.28 | Jul 23, 2015 | $1.61 |
| Jul 28, 2015 | $2.67 | ||
| Aug 2, 2015 | $4.28 | Jul 28, 2015 | $1.22 |
| Aug 12, 2015 | $3.06 | ||
| Aug 9, 2015 | $4.28 | Aug 12, 2015 | $0.28 |
| Aug 14, 2015 | $3.44 | ||
| Aug 22, 2015 | $0.56 | ||
| Aug 16, 2015 | $4.28 | Aug 22, 2015 | $4.28 |
| Aug 23, 2015 | $4.28 | Aug 22, 2015 | $1.61 |
| Sep 7, 2015 | $2.67 | ||
| Aug 30, 2015 | $4.28 | Sep 7, 2015 | $4.28 |
| Sep 6, 2015 | $4.28 | Sep 7, 2015 | $4.17 |
| Sep 15, 2015 | $0.11 | ||
| Sep 13, 2015 | $4.28 | Sep 15, 2015 | $4.28 |
| Sep 20, 2015 | $4.28 | Sep 15, 2015 | $1.17 |
| Sep 21, 2015 | $3.11 | ||
| Sep 27, 2015 | $4.28 | Sep 21, 2015 | $2.44 |
| Oct 5, 2015 | $1.83 | ||
| Oct 4, 2015 | $4.28 | Oct 5, 2015 | $0.17 |
| Oct 10, 2015 | $4.11 | ||
| Oct 11, 2015 | $4.28 | Oct 10, 2015 | $0.09 |
| Oct 12, 2015 | $4.19 | ||
| Oct 18, 2015 | $4.28 | Oct 12, 2015 | $0.26 |
| Oct 20, 2015 | $4.02 | ||
| Oct 25, 2015 | $4.28 | Oct 20, 2015 | $0.64 |
| Nov 2, 2015 | $3.63 | ||
| Nov 1, 2015 | $4.28 | Nov 2, 2015 | $1.70 |
| Nov 5, 2015 | $2.58 | ||
| Nov 8, 2015 | $4.28 | Nov 5, 2015 | $0.76 |
| Nov 11, 2015 | $3.52 | ||
| Nov 15, 2015 | $4.28 | Nov 11, 2015 | $2.03 |
| Nov 16, 2015 | $2.24 | ||
| Nov 22, 2015 | $4.28 | Nov 16, 2015 | $2.20 |
| Nov 24, 2015 | $2.08 | ||
| Nov 29, 2015 | $4.28 | Nov 24, 2015 | $2.70 |
| Dec 3, 2015 | $1.58 | ||
| Dec 6, 2015 | $4.28 | Dec 3, 2015 | $2.31 |
| Dec 10, 2015 | $1.97 | ||
| Dec 13, 2015 | $4.28 | Dec 10, 2015 | $2.48 |
| Dec 13, 2015 | $1.80 | ||
| Dec 20, 2015 | $4.28 | Dec 13, 2015 | $2.64 |
| Dec 23, 2015 | $1.63 | ||
| Dec 27, 2015 | $4.28 | Dec 23, 2015 | $3.92 |
| Dec 28, 2015 | $0.36 | ||
| Jan 3, 2016 | $4.28 | Dec 28, 2015 | $4.28 |
| Jan 10, 2016 | $4.28 | Dec 28, 2015 | $0.92 |
| Jan 11, 2016 | $3.36 | ||
| Jan 17, 2016 | $4.28 | Jan 11, 2016 | $0.53 |
| Jan 18, 2016 | $3.74 | ||
| Jan 24, 2016 | $4.28 | Jan 18, 2016 | $1.81 |
| Jan 25, 2016 | $2.47 | ||
| Jan 31, 2016 | $4.28 | Jan 25, 2016 | $3.09 |
| Feb 2, 2016 | $1.19 | ||
| Feb 7, 2016 | $4.28 | Feb 2, 2016 | $4.28 |
| Feb 14, 2016 | $4.28 | Feb 2, 2016 | $0.09 |
| Feb 9, 2016 | $4.19 | ||
| Feb 21, 2016 | $4.28 | Feb 9, 2016 | $1.37 |
| Feb 17, 2016 | $2.91 | ||
| Feb 28, 2016 | $4.28 | Feb 17, 2016 | $1.53 |
| Mar 2, 2016 | $2.74 | ||
| Mar 6, 2016 | $4.28 | Mar 2, 2016 | $2.81 |
| Mar 27, 2016 | $1.47 | ||
| Mar 13, 2016 | $4.28 | Mar 27, 2016 | $4.09 |
| Apr 6, 2016 | $0.19 | ||
| Mar 20, 2016 | $4.28 | Apr 6, 2016 | $4.28 |
| Mar 27, 2016 | $4.28 | Apr 6, 2016 | $1.09 |
| Apr 13, 2016 | $3.19 | ||
| Apr 3, 2016 | $4.28 | Apr 13, 2016 | $4.28 |
| Apr 10, 2016 | $4.28 | Apr 13, 2016 | $3.64 |
| Apr 18, 2016 | $0.63 | ||
| Apr 17, 2016 | $4.28 | Apr 18, 2016 | $4.28 |
| Apr 24, 2016 | $4.28 | Apr 18, 2016 | $4.28 |
| May 1, 2016 | $4.28 | Apr 18, 2016 | $1.92 |
| May 12, 2016 | $2.36 | ||
| May 8, 2016 | $4.28 | May 12, 2016 | $4.28 |
| May 15, 2016 | $4.28 | May 12, 2016 | $4.28 |
| May 22, 2016 | $4.28 | May 12, 2016 | $0.20 |
| May 31, 2016 | $4.08 | ||
| May 29, 2016 | $4.28 | May 31, 2016 | $4.28 |
| Jun 5, 2016 | $4.28 | May 31, 2016 | $2.76 |
| Jun 16, 2016 | $1.52 | ||
| Jun 12, 2016 | $4.28 | Jun 16, 2016 | $4.28 |
| Jun 19, 2016 | $4.28 | Jun 16, 2016 | $4.28 |
| Jun 26, 2016 | $4.28 | Jun 16, 2016 | $1.03 |
| Jun 28, 2016 | $3.24 | ||
| Jul 3, 2016 | $4.28 | Jun 28, 2016 | $4.28 |
| Jul 10, 2016 | $4.28 | Jun 28, 2016 | $3.59 |
| Jul 5, 2016 | $0.69 | ||
| Jul 17, 2016 | $4.28 | Jul 5, 2016 | $4.28 |
| Jul 24, 2016 | $4.28 | Jul 5, 2016 | $4.28 |
| Jul 31, 2016 | $4.28 | Jul 5, 2016 | $1.87 |
| Aug 18, 2016 | $2.41 | ||
| Aug 7, 2016 | $4.28 | Aug 18, 2016 | $2.03 |
| Aug 25, 2016 | $2.24 | ||
| Aug 14, 2016 | $4.28 | Aug 25, 2016 | $2.20 |
| Sep 1, 2016 | $2.08 | ||
| Aug 21, 2016 | $4.28 | Sep 1, 2016 | $2.37 |
| Sep 8, 2016 | $1.91 | ||
| Aug 28, 2016 | $4.28 | Sep 8, 2016 | $2.53 |
| Sep 15, 2016 | $1.74 | ||
| Sep 4, 2016 | $4.28 | Sep 15, 2016 | $2.70 |
| Sep 25, 2016 | $1.58 | ||
| Sep 11, 2016 | $4.28 | Sep 25, 2016 | $2.87 |
| Oct 4, 2016 | $1.41 | ||
| Sep 18, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Sep 25, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Oct 2, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Oct 9, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Oct 16, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Oct 23, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Oct 30, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Nov 6, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Nov 13, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Nov 20, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Nov 27, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Dec 4, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Dec 11, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Dec 18, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Dec 25, 2016 | $4.28 | Oct 4, 2016 | $4.28 |
| Jan 1, 2017 | $4.28 | Oct 4, 2016 | $4.28 |
| Jan 8, 2017 | $4.28 | Oct 4, 2016 | $4.28 |
| Jan 15, 2017 | $4.28 | Oct 4, 2016 | $4.28 |
| Jan 22, 2017 | $4.28 | Oct 4, 2016 | $4.28 |
| Jan 29, 2017 | $4.28 | Oct 4, 2016 | $4.28 |
| Feb 5, 2017 | $5.11 | Oct 4, 2016 | $5.11 |
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