School fees for master's in nursing education

Judy

Chogoria, Kenya

100% repaid

Entrepreneur

Name

Judy

Member since

April 2014

On-time repayments

207 installments  •  65%

About Me

I am Judy Karambu. I am 29 years old and married with two lovely daughters. I live in Chogoria, located in the eastern part of Kenya. I am a graduate with a degree in nursing. I am currently working as a tutor at nursing college with very little income that cannot sustain my family fully. I intend to do my master's, hence the reason for my enterprenuship. My business generates income to support my family and savings for my master's education.

I am motivated by the fact that I have to make my life and those of my children better. I juggle my time as a tutor and a businesswoman. I have just enrolled for my master's of science in nursing education and I am hoping I will manage to push through, since I believe in investing in education. I look forward to receiving your support, as you have always done in the past.

My Business

I have been selling handbags since May of last year. I started the business to supplement my meagre salary as a tutor. The initial capital invested in the business was $232 and I buy the bags from Nairobi's Gikomba and Kariokor markets. At first most of my customers were colleagues and neighbours; however, my clientele has increased because of referrals.

My intentions are to expand my business to include secondhand clothes and shoes. I want to make my business grow to a big boutique where my customers can find everything under one roof.

My business has now picked up. I have added an M-Pesa [mobile money transfer] agent, and I am now selling clothes and shoes and I still want to expand and open another subbranch in a nearby market in order to raise more income to help me in my master's which I have just started. Thanks in advance.

Loan Proposal

I wish to apply for another loan of [$479] to enable me pay my first trimester 2016 school fees and add some stock to my business.

I am undertaking a Master of Science program in Nursing Education, now in my second year, at Kenya Methodist University. I look forward to full funding of my loan to enable me pay the fees as required and also add stock to my business. Once again, I am grateful to Zidisha for the continued support. Be blessed.

Show original English  

About Me

I am Judy Karambu. I am 32 years and married with two lovely daughters.I live in Chogoria located in the eastern part of Kenya. I am a graduate with a degree in nursing. Am currently working as a tutor at Nursing college with very little income that can not sustain my family fully.I intend to do my masters hence the reason for my enterprenuship.my business generates income for my family support and savings for my masters education. I am motivated by the fact that I have to make my life and those of my children better. I juggle my time as a tutor and as a business woman.I have just enrolled for my masters of science in nursing education and i am hoping i will manage to push through since i believe in investing in education.i look forward to receiving your support as you have always done in the past.Be blessed

My Business

I have been selling handbags since may last year. I started the business to supplement my meagre salary as a tutor. The initial capital invested in the business was $232 and I buy the bags from Nairobi's Gikomba and Kariokor markets. At first most of my customers were colleagues and neighbours however,my clientele has increased because of referrals. My intentions are to expand my business to include second clothes and shoes. I want to make my business grow my business to a big boutique where my customers can find everything under one roof.my business has now picked.i have added mpesa agent,now selling clothes and shoes and i still want to expand and open another subbranch in a nearby market in order to raise more income to help me in my masters which i have just started.Thanks in adavnce.

Loan Proposal

I wish to apply for another loan of 47545 to enable me pay my first trimester 2016 school fees .I will use 25000 of that money tompay part of my fees and use 22545 to add some stock to my business.I am undertaking master of Science program in Nursing Education,now in my second year at Kenya Methodist University.
I look forward to full funding of my loan to enable me pay the fees as required and also add stock to my business.Once again am grateful to zidisha for the continued support.Be blessed.

Feedback

13

None

None



Loading...

Loan Info

Project Type

Classic Loan

Disbursed amount

$479.00

Date disbursed

Mar 18, 2016

Repayment status

On Time

Projected term

7 months

Lenders

Kylie

Mount Martha, Australia

C

cjmenchaca

Austin, United States

M

Mark

Melbourne, Australia

IM

Isak Maaseide

Tromso, Norway, Norway

Paul Buchheit

Mountain View, United States

H

harriet

United Kingdom

melissapmeier

United States

M

mbarbier

United States

K

K

United States

V

Vivek

Arlington, VA, United States

BB

Ben Bellows

United States

PG

Paul Graham

United States

G

GS2

Germany

wissam

Jeddah, Saudi Arabia

Mary

Germany

E

Erika

Ontario Canada, Canada

Craig Newmark

United States

The Zinc Team

San Francisco, United States

WS

Warren Shen

United States

Seppo Ruohonen

Vantaa, Finland

Ask Judy a question about this project, share news and photos of your own, or send a simple note of thanks or inspiration.

Please log in to comment.

  • Jeremiah    Jun 30, 2019

    Madam Judy has some financial challenges but she is will send her loan soon.Thanks

    Log in to reply • Share
  • Jeremiah    May 10, 2019

    I have reminded Karambu today to settle her loan arrears immediately for the benefit of other borrowers to benefit from the payments..

    Log in to reply • Share
  • Jeremiah    Jan 10, 2019

    Called her today and reminded her to offset her arrears and possibly reschedule to a lower amount she can afford.

    Log in to reply • Share
  • Judy    Nov 2, 2018

    thank you dear lenders and zidisha family for your continued support.. I will use this loan to restock targeting the growing market this December holiday

    Log in to reply • Share
  • Judy    Oct 12, 2018

    Thank you dear lenders for your continued support.life has been easy with your continued support..keep on helping us all..I look forward to your continued support n partnership

    Log in to reply • Share
  • Judy    Oct 12, 2018

    I wish to repay the loan fully do that I can qualify for a larger amount to enable me buy some kitchen appliances

    Log in to reply • Share
  • Judy    May 13, 2018

    I am currently facing some personal challenges therefore not able to pay as scheduled. I will reschedule again once am back to stable financial state

    Log in to reply • Share
  • Judy    Mar 23, 2018

    Hallo all dear lenders and the entire zidisha family.just to let all you all know that am doing well.. Still working hard to repay the current loan so that I can maintain credit legibility. Be blessed all...

    Log in to reply • Share
  • Judy    Jan 7, 2018

    Greetings to all my lenders n the entire zidisha family...its my prayer that you are all doing great..mine us to wish you all a blesses year 2018..Thanks all for making many of us realize our dreams .be blessed.

    Log in to reply • Share
  • Judy    Jan 2, 2018

    I have some challenges due to delayed payments of my salary and some bills to settle like the school fees

    Log in to reply • Share
  • Judy    Oct 18, 2017

    Greetings to all zidisha family. I am writing to confirm that an amount of 58,424 was disbursed to my safaricom number.This is after deductions of 6873 expediting fee and service fee of 3436 were deducted.once again I take this golden opportunity to thank zidisha and all my dearest lenders for their continued support.be blessed.

    Log in to reply • Share
  • Judy    Oct 15, 2017

    Thanks so much for funding my loan fully. I promise to do my best and ensure that I repay fully.I am aiming at adding more stock of ladies shoes and handbags targeting the December market that is likely to grow.Thanks once again my dearest lenders and all my zidisha family. Be blessed

    Log in to reply • Share
  • melissapmeier    Oct 14, 2017

    Best wishes to you Judy! I am happy to lend to you again!

    Log in to reply • Share
  • Judy    Oct 13, 2017

    Thanks zidisha family for your continued support

    Log in to reply • Share
  • Judy    Oct 13, 2017

    Through zidisha,I was able to pay my masters school fees n for my daughter.

    Log in to reply • Share
  • Judy    Oct 13, 2017

    God bless zidisha

    Log in to reply • Share
  • Judy    Oct 13, 2017

    Thank you so much zidisha family.. Its like a dream come true

    Log in to reply • Share
  • Judy    Oct 13, 2017

    I will use this loan I am applying to add more stock to my shop in order to target the December market. Thank you

    Log in to reply • Share
  • Judy    Oct 13, 2017

    The previous loan helped me settle my daughters school fees and they were able to continue with their learning process smoothly.once again thank you for your continued support

    Log in to reply • Share
  • Judy    Oct 13, 2017

    Thanks once more...the loan I took helped me in settling my daughters fees n they were able to go through the term well.thank you for your continued support

    Log in to reply • Share


Loading...

Loading...

Loading...