How MESHers Used Loans From Jiinue To Improve Their Businesses!

We reached out to a few random MESHers who applied and received business loans from Jiinue Growth Program in the first round of applications between January and March 2024 to understand how they used the money to improve their businesses and tips to make sure the loan is paid.

Most MESHers walitumia loans zao ku-buy stock, ku-improve biz na kama working capital.

Kuna kadhaa wali-invest in assets, ku-upgrade shops and equipment, na pia kulipa rent ya biz.

Irene anafanya biz ya kuuza nguo. Ali-get loan ya 23,000 Ksh. Aliongeza more clothes stock za kuuza. Irene alikua amepata order ndio maana alichukua loan ku-supply hiyo order. After ku-satisfy order, alitumia profit kuongeza stock for her customers.

Kwa kila sale, alikua anaweka doh za kulipa loan kando.

Josephine ako na biz ya retail shop. Ali-get loan ya 20,000 Ksh. Ali-buy vitu za kuuza kwa shop zile huenda daily kama milk, eggs, flour, and cooking oil.

Hii ilikua ku-make sure shop yake iko na vitu customers hu-need kutumia every day. So, akiuza anaweka doh kiasi aside zile atalipa loan time ikifika.

Eunice has a cosmetics shop na pia ana operate M-Pesa Agent. Alichukua loan ya 28,000 Ksh. Aliweka the whole amount kwa M-Pesa business yake float ikafika 70,000, akaweza kuongeza her monthly commission in the shop.

She says in the first month, na higher float, aliget commission ya 8k, and because anafaa kulipa around 9400, she used the 8,000 from the commission ya biz na akaongeza kiasi kulipa.

Anasema biz ina improve, commission yake inaendelea ku-grow every month. Akimaliza kulipa loan in the next two months, she will be having this commission for herself.

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Betty owns a salon. Alichukua loan ya 20,000 Ksh. She used the money to make her salon better and attractive.

Ali-paint walls, aka add drawers za kuweka tools zake, na pia akalipa rent.

Saa hii salon yake inakaa poa, ni comfortable for her customers and also ana attract new ones.

After ku-renovate salon yake, she now creates content kumarket biz, ku-attract new customers na ina-work.

Aki-get customers, huwa anaweka doh za kulipa loan yake separate.

Triza ako na hotel ya kuuza food. Alichukua loan ya 10,000 Ksh. Alibuy vitu za kupika kama potatoes, cooking oil, and sauces. Pia akalipa rent ya biz.

Hotel yake inauzia customers food na biz iko busy. Ana-make doh poa na ameweza kusave some money every day, za kulipa her monthly payments.

Furaha, ana operate biz ya M-Pesa agent, na ali-get loan ya 29,000 Ksh. Alitumia loan yake ku-invest mara mbili.

Kwanza aliweka kwa M-Pesa float ku-improve commissions zake and then aka start biz mpya ya kuuza beans and deras for women.

Commissions za biz ya M-Pesa zime-improve poa sana and customers wanacheki deras na ku-buy beans.

Every day akifanya calculations after kufunga biz, anaweka doh za kulipa loan.

MESHers wote walikua na plan ya biz na vile wali-get loan waliweza kuitumia poa ku-support businesses zao ku-improve services, capital, stock na ku-grow.

Businesses hu-take different times ku-pick up na hii ni normal kwa biz.

Some MESHers wali-combine more than one hustle ku-make sure wako still able ku-make repayments zao.

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