James
Irigu-ini, Kenya
100% repaid
Name
James
Member since
December 2015
On-time repayments
419 installments • 89%
I am the second born son in a family of four. My younger two siblings are girls whom we used to cook for with my older brother as our parents went to work.
I was brought up in a tiny village Central Kenya, Mount Kenya region.I started basic education in a local school and cotinued to primary education. As young boys i recall as we went swimming in a river that flows down deep ridges and our parents got worried very much.
Later i went to Thika town for my secondary education at Thika High School.
Later i went to study Aircraft Maintenance course in our city Nairobi at Wilson Airport and got a certificate in engine & airframe.While there i also studied Electrical science. I got employment in a local maintenance firm that later collapsed. From there i started vending fresh vegetables at Wangige Market near our city Nairobi.
At Nairobi life wasn't easy at all. At some point i decided to live in the slums because good rooms were so expensive to rent. So i moved to Dandora slums. I even went a step further to walking half distance to work and half by bus to save some cash.
In early year 2015 i felt it was time to be an entrepreneur because i was still struggling for my needs. I had enough skills so retreated back to the village where my Mum gave me a small room to establish a workshop at home. Life was so hard trying to establish myself until ZIDISHA came to my rescue where i got a loan to rent a big workshop in our local shopping center where i have grown steadly. Thanks to all Lenders.
Every year i pay 70 USD to our local county authority for business licence and a monthly rent of 70 USD. I also pay 170 USD per week to wages of my employees.
I do re-invest my profits in my business, support to my parents and my siblings,also community projects contributions and also buying construction materials for a rental house i keep on developing and adding more units. I also support two elderly women who are about 100 yrs old by visiting them regularly. Of late am also supporting an old Man, a war Veteran through food stuff. I love caring for the needy.
My business operates under the name Jaycobs Electric & Building Services. I operate a workshop and a sales section where we sell electrical fittings, lightings, conduits, electronics repair, and offer consultations.
In the workshop we do electrical and electronics repair, mechanical repairs and installations.
In average we make a monthly profit of 700 to 900 USD.
Zidisha microfinance has brought me this far. I feel i got the strenghth to take my business to the next level.
I have a dream of employing 100 young ladies and gentlemen and give them a foundation of becoming self dependance.
With the loan am planning to register my business as a company which is a requirement in Kenya for one to apply for a Supply or Service Tender. As a company CEO i will have the capability of handling big tenders and finances and in turn employ many staff members.
I will also do alot of inventory with the loan as follows;
Company registration. 300USD
Office setup. 400USD
Tools upgrade 70USD
Business re-painting 60USD
Fittings inventory 350USD
Cables inventory 400USD
Conduits inventory 70USD
Motorcycle upgrade 400USD
Positive
2
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$2,020.99
Date disbursed
Aug 29, 2018
Repayment status
On Time
Projected term
20 months
Other loans
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Amount repaid
$2,021.16
Amount remaining
$0.00
Date repaid
Apr 12, 2020
Status
Fully repaid
Expected Payments | Actual Payments | ||
---|---|---|---|
Sep 6, 2018 | $59.13 | Sep 7, 2018 | $59.13 |
Sep 13, 2018 | $22.66 | Sep 17, 2018 | $22.66 |
Sep 20, 2018 | $22.66 | Sep 20, 2018 | $22.66 |
Sep 27, 2018 | $22.66 | Oct 3, 2018 | $22.66 |
Oct 4, 2018 | $22.66 | Oct 9, 2018 | $22.66 |
Oct 11, 2018 | $22.66 | Oct 20, 2018 | $22.66 |
Oct 18, 2018 | $59.13 | Oct 20, 2018 | $59.13 |
Oct 25, 2018 | $14.78 | Oct 31, 2018 | $14.78 |
Nov 1, 2018 | $14.78 | Nov 5, 2018 | $14.78 |
Nov 8, 2018 | $14.78 | Nov 11, 2018 | $14.78 |
Nov 15, 2018 | $14.78 | Nov 12, 2018 | $14.78 |
Nov 22, 2018 | $14.78 | Dec 6, 2018 | $14.78 |
Nov 29, 2018 | $59.13 | Dec 11, 2018 | $59.13 |
Dec 6, 2018 | $59.13 | Dec 11, 2018 | $59.13 |
Dec 13, 2018 | $14.78 | Dec 24, 2018 | $14.78 |
Dec 20, 2018 | $14.78 | Dec 26, 2018 | $14.78 |
Dec 27, 2018 | $14.78 | Jan 5, 2019 | $14.78 |
Jan 3, 2019 | $14.78 | Jan 6, 2019 | $14.78 |
Jan 10, 2019 | $0.00 | ||
Jan 17, 2019 | $0.00 | ||
Jan 24, 2019 | $9.85 | Jan 24, 2019 | $9.85 |
Jan 31, 2019 | $9.85 | Feb 6, 2019 | $9.85 |
Feb 7, 2019 | $9.85 | Feb 6, 2019 | $9.85 |
Feb 14, 2019 | $9.85 | Feb 22, 2019 | $9.85 |
Feb 21, 2019 | $9.85 | Feb 22, 2019 | $9.85 |
Feb 28, 2019 | $0.00 | ||
Mar 7, 2019 | $22.66 | Mar 7, 2019 | $22.66 |
Mar 14, 2019 | $22.66 | Mar 25, 2019 | $22.66 |
Mar 21, 2019 | $22.66 | Mar 25, 2019 | $22.66 |
Mar 28, 2019 | $22.66 | Apr 4, 2019 | $22.66 |
Apr 4, 2019 | $22.66 | Apr 17, 2019 | $22.66 |
Apr 11, 2019 | $59.13 | Apr 17, 2019 | $59.13 |
Apr 18, 2019 | $9.85 | Apr 21, 2019 | $9.85 |
Apr 25, 2019 | $14.78 | Apr 28, 2019 | $14.78 |
May 2, 2019 | $14.78 | May 9, 2019 | $14.78 |
May 9, 2019 | $14.78 | May 16, 2019 | $14.78 |
May 16, 2019 | $14.78 | May 16, 2019 | $4.93 |
May 28, 2019 | $9.85 | ||
May 23, 2019 | $9.85 | May 28, 2019 | $9.85 |
May 30, 2019 | $0.00 | ||
Jun 6, 2019 | $14.78 | Jun 10, 2019 | $14.78 |
Jun 13, 2019 | $14.78 | Jun 21, 2019 | $14.78 |
Jun 20, 2019 | $14.78 | Jun 21, 2019 | $14.78 |
Jun 27, 2019 | $14.78 | Jul 7, 2019 | $14.78 |
Jul 4, 2019 | $14.78 | Jul 8, 2019 | $14.78 |
Jul 11, 2019 | $11.83 | Jul 12, 2019 | $9.85 |
Jul 13, 2019 | $1.97 | ||
Jul 18, 2019 | $0.00 | ||
Jul 25, 2019 | $11.83 | Jul 26, 2019 | $11.83 |
Aug 1, 2019 | $11.83 | Aug 1, 2019 | $11.83 |
Aug 8, 2019 | $11.83 | Aug 13, 2019 | $11.83 |
Aug 15, 2019 | $11.83 | Aug 19, 2019 | $11.83 |
Aug 22, 2019 | $11.83 | Aug 25, 2019 | $11.83 |
Aug 29, 2019 | $11.83 | Aug 29, 2019 | $11.83 |
Sep 5, 2019 | $11.83 | Sep 6, 2019 | $11.83 |
Sep 12, 2019 | $11.83 | Sep 15, 2019 | $11.83 |
Sep 19, 2019 | $11.83 | Sep 24, 2019 | $11.83 |
Sep 26, 2019 | $11.83 | Oct 3, 2019 | $11.83 |
Oct 3, 2019 | $11.83 | Oct 12, 2019 | $11.83 |
Oct 10, 2019 | $0.00 | ||
Oct 17, 2019 | $14.78 | Oct 17, 2019 | $9.85 |
Oct 17, 2019 | $4.93 | ||
Oct 24, 2019 | $14.78 | Oct 22, 2019 | $14.78 |
Oct 31, 2019 | $14.78 | Oct 24, 2019 | $14.78 |
Nov 7, 2019 | $14.78 | Oct 30, 2019 | $14.78 |
Nov 14, 2019 | $14.78 | Nov 10, 2019 | $14.78 |
Nov 21, 2019 | $59.13 | Nov 27, 2019 | $59.13 |
Nov 28, 2019 | $16.75 | Dec 11, 2019 | $16.75 |
Dec 5, 2019 | $16.75 | Dec 11, 2019 | $16.75 |
Dec 12, 2019 | $16.75 | Dec 11, 2019 | $16.75 |
Dec 19, 2019 | $16.75 | Dec 11, 2019 | $16.75 |
Dec 26, 2019 | $16.75 | Jan 2, 2020 | $16.75 |
Jan 2, 2020 | $16.75 | Jan 2, 2020 | $16.75 |
Jan 9, 2020 | $16.75 | Jan 11, 2020 | $16.75 |
Jan 16, 2020 | $16.75 | Jan 23, 2020 | $16.75 |
Jan 23, 2020 | $16.75 | Jan 23, 2020 | $16.75 |
Jan 30, 2020 | $16.75 | Feb 1, 2020 | $16.75 |
Feb 6, 2020 | $59.13 | Feb 13, 2020 | $59.13 |
Feb 13, 2020 | $59.13 | Feb 20, 2020 | $59.13 |
Feb 20, 2020 | $59.13 | Feb 27, 2020 | $59.13 |
Feb 27, 2020 | $59.13 | Mar 11, 2020 | $59.13 |
Mar 5, 2020 | $59.13 | Mar 11, 2020 | $59.13 |
Mar 12, 2020 | $59.13 | Mar 25, 2020 | $59.13 |
Mar 19, 2020 | $59.13 | Mar 25, 2020 | $59.13 |
Mar 26, 2020 | $59.13 | Apr 1, 2020 | $59.13 |
Apr 2, 2020 | $59.13 | Apr 5, 2020 | $59.13 |
Apr 9, 2020 | $59.13 | Apr 12, 2020 | $59.13 |
Apr 16, 2020 | $59.13 | Apr 12, 2020 | $59.13 |
Apr 23, 2020 | $59.13 | Apr 12, 2020 | $59.13 |
Apr 30, 2020 | $11.87 | Apr 12, 2020 | $11.87 |
Mary Nov 14, 2018
camilberlin Mar 19, 2017
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