Mary
Githurai, Kenya
56% repaid
Name
Mary
Member since
March 2014
On-time repayments
172 installments • 50%
My names are Mary Kibe. I was born in 1969 in Gatundu division, which is located in Kiambu County. I am a mother of two children, Elvys Murai, 12, and Angela Mashirima, 14. Currently, the two kids are in boarding school: one is in high school form two and the other is in class 6.
I live in Githurai city, a small town outside the outskirts of Nairobi. It’s a ten-minute drive from the capital city. I work in Nairobi city at a company known as Bpupco Limited, a company that deals with textile materials. It's located along Kirinyaga road in a building called Duberi. In this company I act as office administrator and also a marketer.
Four years down the line, it was fortunate that I separated with my husband for neglecting his duties. This really affected my life and I had to look for other means to bring up my children. With the little savings I had gathered by the time, I invested in buying bulk linen cloth from our company. The materials were tailored to small dozen of liners and after my job I would distribute the liners in nearby hospital shops and supermarkets. I am privileged to say that, from this humble beginning, I am now the main distributor of liners to big supermarkets at Githurai, the supermarket known as Kassmatt supermarket.
From my salary and income I have had from this investment, I have been in a position to cater enough for my kids, pay labour services to the tailors, and I am left with enough cash as my profit. One challenge that normally occurs is that sometimes linen materials go out of stock from the company, thus not meeting the demand of my customers. Other challenge is when I supply the products to customers who don’t pay promptly. Sometimes it take a month for them to clear, which makes work slow.
Despite being employed, I started my business four years ago of distributing liner cloth in dozens of baby shops and supermarkets. I distribute in wholesale and also in retail to individuals. I make these supplies during the evening hours and during the weekend as during the normal day I am at my job. Sometimes, when I am so busy, I am helped by my house girl to make the distribution and collection of money, as I have trusted her for the time we have worked together.
Apart from the challenges I had mentioned above, I am sometimes challenged by too many orders, which I cannot fulfill because the finance for the stock is not enough. My customers like my products because they are of good quality and not too expensive for a common man. However, it’s a profitable business: sometimes I earn $230 US. With this income, I believe I have a target to hit and big dreams to achieve. In cases when I may be not in a position to repay a loan whatsoever, I will have a good backup of my salary from my job.
It's my hope that this loan proposal will reach to lenders when fit and good. I am glad for the last three loans you have given to me: they have been very productive as they have really changed my life. I understood it has taken me a long while before applying for another loan since i fully repaid my loan. The reason behind this was because I had to make plans of how I had to use this loan. After my budgeting, this is the plan I have for this loan.
1. 60% of this loan I am going to use to purchase a new sewing machine, for I am intending to employ another staff member who will be using it. It will also play a part whenever there is a breakdown of the other sewing machine. I will count this as a plus advantage because sometimes the demands tend to be high, and therefore with a new machine I am sure I will be in a position to meet my customers' demands. My demand has risen because I was given a tender by a newly opened supermarket at Thika called Wanjumatt, and I am now their supplier for liner clothing.
2. 30% of the next loan i will put it to my daughters education, she school at a national school in westen called lugulu girls , i believe there is nothing important like investing in education and there urge you my lenders to fund me with the loan to maintain my girl at school, as you can see from my photos i have uploaded her photos at schoool during the visiting days.
3. 10% of the remaining loan will meet other expenses such paying for single business permit as we normally renew it during the month of march.
thanks alot as you fund my loan proposal. God bless you
My names are mary kibe, I was born in 1969 in Gatundu division which is located in Kiambu county am a mother of two children , elvys Murai 12 and Angela mashirima 14. Currently the the two kids are in boarding school one is in high school form two and the other is in class 6. I live in Githurai city, a small town outside the outskirts of Nairobi it’s a ten minute drive distance from the capital city. I work in Nairobi city at company known as Bpupco Limited a company that deals with textile materials its located along Kirinyaga road on abuiliding called duberi,in this company I act as office administrator and also a marketer.Four years down the line Its was fortunate that I separated with my husband for neglecting his duties . this really affected my life and I had to look for other means to bring up my children, with the little savings I had gathered by the time, I invested in buying a bulk linen cloth from our company , the materials were tailored to small dozen of liners and after job I would distribute the liners in nearby hospital shops and supermarkets, am priveledged to say that from this humble beginning am now the main distributer of liners to big supermarkets at githurai, the supermarket are known as Kassmatt supermarket. From my salary and incomes I have had for this investment, I have been in a position to cater enough for my kids, pay labour services to the tailors and am left with enough cash as my profit. Challenges that normally occur is that sometimes linen materials go out of stocks from the company thus not meeting the demand of my customers. Other challenge is that when I supply the products to customers who don’t pay promptly. Sometimes it take a month for them to clear which makes work slow.
despite being employed I started my business four years ago of distributing liner cloth in dozens to baby shops and supermarkets I distribute in wholesale and also in retails to individuals. I make this supplies during the evening hours and during the weekend as during the normal day am at job. Sometimes when am so busy am helped by my house girl to make the distribution and collection of money as I have trusted her for the time we have worked together. Apart from the challenges I had mentioned above, am sometimes challenged by too many orders which I cannot fulfill because the finance for the stock is not enough. My customers like my products because they are of good quality and not too expensive for a common man. Though it’s a profitable business sometimes I earn 230 US $ . with this income I believe I have target to hit and big dreams to achieve. In cases I may be not in a position to re pay a loan whatsoever I will have a good back up of my salary from my job.
its my hope that this loan proposal will reach to lenders when fit and good, am glad for the last three loans you have given to me they have been very productive as they have really changed my life, i understood it has taken me a long while before applying for another loan since i fully repaid my loan. reason behind this was because i had to make plans of how i had to use this loan. after my budgetting this is the plan i have for this loan
1. 60% of this loan am going to use it to purchase a new sewing machine for i am intending to employ another staff who will be using it, it will also play part whenever there is a breakdown of the other sewing machine, i will count this as a plus advantage because sometimes the demand tend to be high, and therefore with a new machine i am sure i will be in a position to meet my customers demand, my demand has risen because i was given a tender by a newly opened supermarket at thika called wanjumatt located in thika , am now their supplier for liner clothing
2. 30% of the next loan i will put it to my daughters education, she school at a national school in westen called lugulu girls , i believe there is nothing important like investing in education and there urge you my lenders to fund me with the loan to maintain my girl at school, as you can see from my photos i have uploaded her photos at schoool during the visiting days.
3. 10% of the remaining loan will meet other expenses such paying for single business permit as we normally renew it during the month of march.
thanks alot as you fund my loan proposal. God bless you
Positive
1
Neutral
None
Negative
None
Project Type
Classic Loan
Disbursed amount
$419.00
Date disbursed
Mar 30, 2015
Repayment status
Late
Projected term
30 months
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Amount repaid
$248.00
Amount remaining
$193.41
Expected completion
Oct 1, 2017
Status
Repaying late
Installment amount
$3.30
Expected Payments | Actual Payments | ||
---|---|---|---|
Apr 12, 2015 | $16.48 | Apr 9, 2015 | $16.48 |
Apr 19, 2015 | $3.30 | Apr 11, 2015 | $3.30 |
Apr 26, 2015 | $3.30 | Apr 11, 2015 | $3.30 |
May 3, 2015 | $3.30 | Apr 11, 2015 | $3.30 |
May 10, 2015 | $3.30 | Apr 11, 2015 | $3.30 |
May 17, 2015 | $3.30 | Apr 11, 2015 | $1.87 |
May 11, 2015 | $1.43 | ||
May 24, 2015 | $3.30 | May 25, 2015 | $3.30 |
May 31, 2015 | $3.30 | May 25, 2015 | $3.30 |
Jun 7, 2015 | $3.30 | May 30, 2015 | $3.30 |
Jun 14, 2015 | $3.30 | May 30, 2015 | $3.30 |
Jun 21, 2015 | $3.30 | May 30, 2015 | $3.30 |
Jun 28, 2015 | $3.30 | Jun 29, 2015 | $3.30 |
Jul 5, 2015 | $3.30 | Jun 29, 2015 | $3.30 |
Jul 12, 2015 | $3.30 | Jul 12, 2015 | $3.30 |
Jul 19, 2015 | $3.30 | Jul 12, 2015 | $3.30 |
Jul 26, 2015 | $3.30 | Jul 27, 2015 | $3.30 |
Aug 2, 2015 | $3.30 | Jul 27, 2015 | $3.30 |
Aug 9, 2015 | $3.30 | Jul 27, 2015 | $3.30 |
Aug 16, 2015 | $3.30 | Aug 17, 2015 | $3.30 |
Aug 23, 2015 | $3.30 | Aug 17, 2015 | $3.30 |
Aug 30, 2015 | $3.30 | Aug 29, 2015 | $3.30 |
Sep 6, 2015 | $3.30 | Sep 8, 2015 | $3.30 |
Sep 13, 2015 | $3.30 | Sep 8, 2015 | $3.30 |
Sep 20, 2015 | $3.30 | Sep 19, 2015 | $3.30 |
Sep 27, 2015 | $3.30 | Oct 2, 2015 | $3.30 |
Oct 4, 2015 | $3.30 | Oct 2, 2015 | $3.30 |
Oct 11, 2015 | $3.30 | Oct 10, 2015 | $3.30 |
Oct 18, 2015 | $3.30 | Nov 2, 2015 | $3.30 |
Oct 25, 2015 | $3.30 | Nov 2, 2015 | $3.30 |
Nov 1, 2015 | $3.30 | Nov 2, 2015 | $3.30 |
Nov 8, 2015 | $3.30 | Nov 14, 2015 | $3.30 |
Nov 15, 2015 | $3.30 | Nov 14, 2015 | $3.30 |
Nov 22, 2015 | $3.30 | Dec 14, 2015 | $3.30 |
Nov 29, 2015 | $3.30 | Dec 14, 2015 | $3.30 |
Dec 6, 2015 | $3.30 | Dec 14, 2015 | $3.30 |
Dec 13, 2015 | $3.30 | Dec 18, 2015 | $3.30 |
Dec 20, 2015 | $3.30 | Dec 23, 2015 | $3.30 |
Dec 27, 2015 | $3.30 | Dec 29, 2015 | $3.30 |
Jan 3, 2016 | $3.30 | Jan 16, 2016 | $3.30 |
Jan 10, 2016 | $3.30 | Jan 16, 2016 | $3.30 |
Jan 17, 2016 | $3.30 | Jan 28, 2016 | $3.30 |
Jan 24, 2016 | $3.30 | Jan 28, 2016 | $3.30 |
Jan 31, 2016 | $3.30 | Jan 28, 2016 | $3.30 |
Feb 7, 2016 | $3.30 | Feb 24, 2016 | $3.30 |
Feb 14, 2016 | $3.30 | Feb 24, 2016 | $3.30 |
Feb 21, 2016 | $3.30 | Feb 24, 2016 | $3.30 |
Feb 28, 2016 | $3.30 | Apr 13, 2016 | $3.30 |
Mar 6, 2016 | $3.30 | Apr 13, 2016 | $3.30 |
Mar 13, 2016 | $3.30 | Apr 13, 2016 | $3.30 |
Mar 20, 2016 | $3.30 | Apr 13, 2016 | $3.30 |
Mar 27, 2016 | $3.30 | Apr 13, 2016 | $3.30 |
Apr 3, 2016 | $3.30 | Apr 13, 2016 | $3.30 |
Apr 10, 2016 | $3.30 | Apr 13, 2016 | $3.30 |
Apr 17, 2016 | $3.30 | Apr 16, 2016 | $3.30 |
Apr 24, 2016 | $3.30 | Apr 16, 2016 | $3.30 |
May 1, 2016 | $3.30 | Apr 16, 2016 | $3.30 |
May 8, 2016 | $3.30 | Apr 18, 2016 | $3.30 |
May 15, 2016 | $3.30 | Apr 18, 2016 | $3.30 |
May 22, 2016 | $3.30 | May 11, 2016 | $3.30 |
May 29, 2016 | $3.30 | Oct 19, 2018 | $3.30 |
Jun 5, 2016 | $3.30 | Oct 19, 2018 | $2.20 |
Feb 8, 2019 | $1.10 | ||
Jun 12, 2016 | $3.30 | Feb 8, 2019 | $2.20 |
Mar 6, 2019 | $1.10 | ||
Jun 19, 2016 | $3.30 | Mar 6, 2019 | $3.30 |
Jun 26, 2016 | $3.30 | Mar 6, 2019 | $3.30 |
Jul 3, 2016 | $3.30 | Mar 6, 2019 | $0.49 |
Mar 27, 2019 | $2.80 | ||
Jul 10, 2016 | $3.30 | Mar 27, 2019 | $2.69 |
Apr 3, 2019 | $0.60 | ||
Jul 17, 2016 | $3.30 | Apr 3, 2019 | $3.30 |
Jul 24, 2016 | $3.30 | Apr 3, 2019 | $1.59 |
Jun 10, 2020 | $1.70 | ||
Jul 31, 2016 | $3.30 | Jun 10, 2020 | $1.59 |
Mar 16, 2023 | $1.70 | ||
Aug 7, 2016 | $3.30 | Mar 16, 2023 | $2.95 |
Apr 12, 2023 | $0.35 | ||
Aug 14, 2016 | $3.30 | Apr 12, 2023 | $3.30 |
Aug 21, 2016 | $3.30 | Apr 12, 2023 | $0.75 |
Aug 28, 2016 | $3.30 | ||
Sep 4, 2016 | $3.30 | ||
Sep 11, 2016 | $3.30 | ||
Sep 18, 2016 | $3.30 | ||
Sep 25, 2016 | $3.30 | ||
Oct 2, 2016 | $3.30 | ||
Oct 9, 2016 | $3.30 | ||
Oct 16, 2016 | $3.30 | ||
Oct 23, 2016 | $3.30 | ||
Oct 30, 2016 | $3.30 | ||
Nov 6, 2016 | $3.30 | ||
Nov 13, 2016 | $3.30 | ||
Nov 20, 2016 | $3.30 | ||
Nov 27, 2016 | $3.30 | ||
Dec 4, 2016 | $3.30 | ||
Dec 11, 2016 | $3.30 | ||
Dec 18, 2016 | $3.30 | ||
Dec 25, 2016 | $3.30 | ||
Jan 1, 2017 | $3.30 | ||
Jan 8, 2017 | $3.30 | ||
Jan 15, 2017 | $3.30 | ||
Jan 22, 2017 | $3.30 | ||
Jan 29, 2017 | $3.30 | ||
Feb 5, 2017 | $3.30 | ||
Feb 12, 2017 | $3.30 | ||
Feb 19, 2017 | $3.30 | ||
Feb 26, 2017 | $3.30 | ||
Mar 5, 2017 | $3.30 | ||
Mar 12, 2017 | $3.30 | ||
Mar 19, 2017 | $3.30 | ||
Mar 26, 2017 | $3.30 | ||
Apr 2, 2017 | $3.30 | ||
Apr 9, 2017 | $3.30 | ||
Apr 16, 2017 | $3.30 | ||
Apr 23, 2017 | $3.30 | ||
Apr 30, 2017 | $3.30 | ||
May 7, 2017 | $3.30 | ||
May 14, 2017 | $3.30 | ||
May 21, 2017 | $3.30 | ||
May 28, 2017 | $3.30 | ||
Jun 4, 2017 | $3.30 | ||
Jun 11, 2017 | $3.30 | ||
Jun 18, 2017 | $3.30 | ||
Jun 25, 2017 | $3.30 | ||
Jul 2, 2017 | $3.30 | ||
Jul 9, 2017 | $3.30 | ||
Jul 16, 2017 | $3.30 | ||
Jul 23, 2017 | $3.30 | ||
Jul 30, 2017 | $3.30 | ||
Aug 6, 2017 | $3.30 | ||
Aug 13, 2017 | $3.30 | ||
Aug 20, 2017 | $3.30 | ||
Aug 27, 2017 | $3.30 | ||
Sep 3, 2017 | $3.30 | ||
Sep 10, 2017 | $3.30 | ||
Sep 17, 2017 | $3.30 | ||
Sep 24, 2017 | $3.30 | ||
Oct 1, 2017 | $2.95 |
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