Stocking and sales of elecrical materials

Joseph

Engashura Village, Kenya

100% repaid

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Entrepreneur

Name

Joseph

Member since

April 2013

On-time repayments

52 installments  •  98%

About Me

My name is Joseph Njuguna. I am married with three children .Am a catholic beleiver,a choir trainer and more so i teach general music even to other denominations.
I reside in Engashura about 4 kilometers from NAKURU/NYAHURURU –NYERI Highway at Maili Sita Trading Centre junction where there is a school called KIAMAINA SECONDARY SCHOOL .You will branch towards Maili Sita -Kabatini main rough road. On your way towards Kabatini, there are common landmarks you will get; JC Trading Centre and Bahati Boys High School. From here, you will follow the main road past two sharp bends hence in about 700 meters ,inside Engoshura Estate, at A place called PASTORS PLACE(HA-PASTOR )branching away from Kabatini Trading Centre on your right hand. Anybody who you can ask about Joseph Njuguna the electrician you will be brought at my home.

My Business

I have an electric installation materials shop at Maili Sita known as Alto electronic shop at a place known as Stano. At kiamaina in Bahati division. In the electronic shop I earn ksh 25,000 per month. In addition I am electrician where I install power in buildings within Nakuru and anywhere else I am given a contract. In electricity installation on average I get about ksh 35,000 per month. In additional, I practice dairy farming where I get annually around Ksh. 400, 000.I also have introduce dairy goat and have bought five goats which are doing very well in our climate which is favourite .one of the goat is already productive and we are enjoying the milk it's producing a total of two and a half litres daily and I am looking forward when all of them five will be productive, which will amount to a total of of 12.5 litres daily and a total of 1250 /kshs.daily.The total annual income ksh 1,120,000. From the earnings, I am able to pay my bills, buy food and and help my family back at home. I also want to start bee keeping in my farm which I have found very productive and also very profitable for example one bee hive is expected to produce 15kg of honey by which each kilogram is going at ksh400 that is around ksh6000/-.am looking forward to erect five bee hive by which will be producing ksh30,000/-after every four months if my lenders will offer me the loan.

Loan Proposal

First,I would be adding the first moving goods in large quantities,sell at wholesale price and thus experience the economies of scale. Secondly i will be able to stock different qualities of the same product and thus offer my customers room for comparison.Thirdly, i will also stock related products such as chargers and radios or general electronics.More ever ,i will be able to safe on transport cost because i will be travelling to purchase stock weekly rather than daily as has been the routine.

Feedback

3

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  • Jim Murray    Jan 29, 2018

    Congratulations on repayment and wishes for continued success! Well done!

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  • Dean Suminski    Mar 30, 2017

    Congratulations on paying off your loan! Electronics are very important and I wish you success.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$253.00

Date disbursed

Mar 13, 2017

Repayment status

On Time

Projected term

3 months

Other loans

Apr 2013:  $100

Aug 2013:  $196

May 2017:  $253

Jan 2018:  $379

Sep 2018:  $531

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G D Export

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bek88

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Travis Zumwalt

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BF

Bob Fitzjohn

Fontvielle, Monaco, Yemen

L

laidas

Vilnius, Lithuania

O

ommthree

Egg, Switzerland

DVM1417

Seaford, United States

T

tlsbreck

United States

N

NickLuder

London, United Kingdom

JOKer

Weisendorf, Germany

andreatagliatti

Manchester, United Kingdom

kalidanthepalidan

Denver, United States

T

Texikan

Fort Worth, United States

P

Phanillia

France

A

AileenH

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osubucks45

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adiipienaar

South Africa

Paul Buchheit

Mountain View, United States

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gclimer

Chattanooga, United States

D

dm151

Australia

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paulk

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chatterbox

Gurgaon, India

D

davidj

Canada

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GayleR

United States

P

PegasusRed

Australia

O

orilifsks

United States

G

gsh589

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C

charleen

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smastermind

Jerusalem, Israel

M

MikeP

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R

rwebb

United States

T

tehmle

United States

H

Heath

United States

K

Kanzai

Vietnam

Adrien Norulak

Zurich, Germany

S

stryker75

United States

B

beegkitty

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S

stoerti

Germany

M

Meral

Germany

mysterry

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Mike and Jacqui

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Darcy

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H

Helmut

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Frank Termathe

Frankfurt Main, Germany

F

Falk

Germany

Z

Zschuettig

Germany

OS

Oliver Schroeder

Germany

TJ

Tommy Jensen

Denmark

MZ

Matt Zirwas

United States

Cassian Opara

London / Dubai, United Arab Emirates

M

Marion

Germany

MW

Matt Willis

United States

WH

Walter Hill

United States

SF

Stallworthy family

Australia

Elly

Woudrichem, United Kingdom

SB

Sarah Bailey

Canada

MA

Mary Art Hunt

United States

PG

Paul Graham

United States

DL

Dan Lawrence

United States

Christopher Hey

Sudbury, Canada

M

Microinvest

Italy

HA

H and E Specter

United States

MS

moti silberstein

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Craig Newmark

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The Zinc Team

San Francisco, United States

WS

Warren Shen

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Humble Bundle Community

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SS

Sawyer Sunglasses

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Dean Suminski

Portland, Oregon, United States

A

Anonymous

United States

A

Anonymous

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JF

J Fister

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TW

Timothy Wright

United States

Melanie White

United States

Paul Buchheit

Mountain View, United States

E

Eric

Canada

CN

Craig Newmark

United States

JG

Jake Gibson and Beverly Picardo

San Francisco, United States

A

Anonymous

United States

WY

Warren Yu

Australia

L

Laea

Canada

AM

Andrew Metcalfe

Germany

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  • CC

    Catherine CatDesignz    Jan 2, 2019

    Joseph, not a good idea to have a picture of your driving licence on line as the information can be used by fraudsters

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  • CC

    Catherine CatDesignz    Jan 2, 2019

    Joseph, not a good idea to have a picture of your driving licence on line as the information can be used by fraudsters

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  • Joseph    Dec 12, 2018

    The previous loan was of great help to me and also to my family as a way of diversity.since I and my wife are able to earn easily without too much pressure than before. My wife has now ceased to be a house wife and now is a self employed lady meaning her due without so much struggle. The amount that she earns is admirable since she can sell goat milk and sell some kids and get her erning. Lastl month of November three goats gave birth to five kids and after two months of suckling she will sell at 5000/-ksh that will amount to 25000/- that is at the beginning of new year 2019 also those animals are producing six litters of milk daily and sells at an average of 300/- per day since the milk is sold locally( not all goats have given birth and if so larger Amount of milk will not be sold locally and so an increase in cost). At least the loan have given us courage, thank u lenders.

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  • Joseph    Nov 23, 2018

    Thank you very much for the loan that you gave to me lastly although have not finished my payment. I would like to know more about the risk fund deducted always in my loans ( the amount deducted) and how I will benefit from it.or my future or my future loans are always going to be deducted. Or if its the loans interest.

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  • Joseph    Sep 13, 2018

    I will add dairy goat to add to my existing stock so as to increase the amount in milk production to enhance a quicker market since the little amount is not easily bought.

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  • V

    Valis    Sep 6, 2018

    Good luck!

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  • Nathan    Sep 5, 2018

    Best of luck Joseph!

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  • Joseph    May 30, 2018

    Hi lenders am very proud of you for the past loan that I posted lastly.it has been very meaningful to my business and more so to my family as a whole. I was able to buy five(5)goats which are under supervision according to my veterinary officer who visits my flock often, my flock type is alphine by name and are very productive especially at their young stages in milk production and also give birth to twins twice a year.they are meaningful for coming four months the first two will give birth and in December the other three.that is my family milk budget will sieze throughout the year,secondly will increase the amount of milk production thus sell to nearby markets that is a good form of income and most of all I will be selling kids often.

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  • Joseph    Mar 9, 2018

    Hi thank you very much my lenders for I received my last loan . my projects are now moving faster I thank u very much

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  • Joseph    Jan 29, 2018

    I will bug dairy goats four of them to increase their number in my property to enhance an increase in production and thus increase the profit margin for easy smooth running of family affairs and easy bills payment so as to try to be economically stable.

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  • Joseph    Nov 11, 2017

    Zidisha loan has helped me buy a computer in my work and a printer I,ll arrange and take another loan but I will like to know the paying period thank you

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  • Joseph    May 29, 2017

    I received 24401/- after the deduction of the service fee.i added stock and ill be able to sell some goods at wholesale prices, i was able to buy some electrical related accessories such as redio cords, phone flaps,batteries,earphones,torches etc.i thank you lenders for the aquired loan which have helped me alot i promise to pay the loan timely so as i would want to borrow much larger loan.thanks in advance.

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  • Joseph    May 22, 2017

    Ill will buy the first moving goods in bulk and sell them at wholesale prices.l will also buy electrical related goods ie electronics such as mobile phones flaps, chargers,power banks, keypads television jackpins aerials etc.l will be able to pay my bills in time pay school fees for my children and to add stock without too much struggling. Thank u sooo much lenders for the loan i have received from you it will of great help.

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  • Joseph    May 13, 2017

    i have been able to increase quick sales through wholesale prices. My operation base has thus enlarged.if i get a larger loan amount,i will be able to satisfy my customers efficiently.i will also be able to buy and stock electrical related products,such as electronic accessories.

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  • Joseph    Mar 9, 2017

    Thank u lenders for the loan, it will help me in expanding my capacity and help me pay my bills and also improve my lifestyle.

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  • Joseph    Mar 4, 2017

    The last loan was of great help as i increased my profit margin through much sales so i have been able to pay my bills on time.

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