Entrepreneur
Name
Joseph
Member since
February 2013
On-time repayments
302 installments • 83%
About Me
My names are Joseph Ngumi Nganga. I was born in Nakuru county at a place called Rongai. We have lived in Rongai with my family for many years until I relocated to Nairobi in Dandora estate in the year 1990. I am a father of four children who have all completed schooling. They have also gone to college and successfully completed their courses. I live in plot number E429, Dandora phase Five. I operate a hardware shop at the estate and this has been a business that I have operated for more than twenty years.
My Business
My business of a hardware shop I started in the year 1992. The business is located in Dandora estate and at a strategic place where customers can be able to get the services easily. The main items that I sell in the hardware shop are cement,iron sheets, nails, wheelbarrows, barbed wire, mesh wires, and many other stuffs involving building and construction. This is a good business here especially with the opening up of other areas which require building and construction materials. the main challenges that affect the business are fluctuating prices of these items that I sell which is usually affected by world prices of fuel.
Loan Proposal
Dear lenders,
I am grateful for offering me another chance to make a loan on Zidisha website. I have done great things with the loan that I have gotten from the organization since I joined Zidisha microfinance. I wish to use this loan that I got from the microfinance to add more stock as well as improve on the services that I offer in my business.
Feedback
Positive
10
Neutral
None
Negative
None
Loan Info
Project Type
Classic Loan
Disbursed amount
$1,131.00
Date disbursed
Dec 10, 2013
Repayment status
On Time
Projected term
17 months
Other loans
Lenders
Brighton, United Kingdom
KUALA LUMPUR, Malaysia
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Summary
Amount repaid
$1,394.39
Amount remaining
$0.00
Date repaid
Sep 30, 2014
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Jan 14, 2014 | $78.31 | Jan 14, 2014 | $78.31 |
| Feb 14, 2014 | $78.31 | Jan 14, 2014 | $9.93 |
| Feb 14, 2014 | $68.38 | ||
| Mar 15, 2014 | $78.31 | Feb 14, 2014 | $19.86 |
| Mar 15, 2014 | $58.45 | ||
| Apr 15, 2014 | $78.31 | Mar 15, 2014 | $29.79 |
| Apr 16, 2014 | $48.52 | ||
| May 15, 2014 | $78.31 | Apr 16, 2014 | $69.13 |
| May 15, 2014 | $9.18 | ||
| Jun 15, 2014 | $78.31 | May 15, 2014 | $78.31 |
| Jul 15, 2014 | $78.31 | May 15, 2014 | $6.64 |
| Jun 15, 2014 | $71.67 | ||
| Aug 15, 2014 | $78.31 | Jun 15, 2014 | $45.98 |
| Jul 15, 2014 | $32.33 | ||
| Sep 15, 2014 | $78.31 | Jul 15, 2014 | $61.79 |
| Aug 15, 2014 | $16.52 | ||
| Oct 15, 2014 | $78.31 | Aug 15, 2014 | $78.31 |
| Nov 14, 2014 | $78.31 | Aug 15, 2014 | $78.31 |
| Dec 14, 2014 | $78.31 | Aug 15, 2014 | $3.34 |
| Aug 30, 2014 | $74.96 | ||
| Jan 14, 2015 | $78.31 | Aug 30, 2014 | $78.31 |
| Feb 14, 2015 | $78.31 | Aug 30, 2014 | $40.85 |
| Sep 8, 2014 | $37.46 | ||
| Mar 15, 2015 | $78.31 | Sep 8, 2014 | $33.13 |
| Sep 16, 2014 | $45.18 | ||
| Apr 15, 2015 | $48.89 | Sep 16, 2014 | $48.89 |
| May 15, 2015 | $170.91 | Sep 16, 2014 | $0.05 |
| Sep 21, 2014 | $82.35 | ||
| Sep 29, 2014 | $88.51 | ||
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