Think Loans Are Scary? This Biz Queen Proves They Can Be Your Secret Weapon!
Meet Sharleen Akinyi from Dandora Phase 4.
She’s the owner of a general shop stocked with essentials like milk, soft drinks, diapers, and operates an Mpesa service. Her shop is strategically located near Kinyango Primary School at the chief's place in Phase 4.
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“Nilijiamini, at first nilikuwa naogopa, but nikajaribu na amount kidogo na nilijiamini nikalipa hadi nikamaliza”
Why Did She Take the Loan?
Sharleen explains alikuwa anadai loan ya ku-expand her biz. Goal zake zilikuwa ku- boost stock ya soft drinks na ku-secure a Coca-Cola fridge kwa shop yake.
Initially, idea ya ku-repay hio loan ilimuogopesha, juu for the biz yeye u-do, kuna time ukuwa chini, so kupata hio pesa uliona kama itamletea ngori.
“Nilikuja nikajipanga, nikasema acha nichukue less than ile nilikuwa napatiwa. If n’ta-manage kulipa on time nimalize, ntaongezea ingine ikuwe more,” she shares.
Vile alipata hio loan, Sharleen ali-split hio doh into two. One portion ikaenda kwa deposit ya Coca-Cola fridge, yenye ilikuwa inadai Ksh 6,000. Halafu hio portion ingine akatumia ku-stock up on soft drinks.
Sharleen’s Strategy for Timely Loan Repayment
Ku-stay on top of her loan payments, Sharleen ali-implement strict record-keeping practices. “Nilikuwa nafanya record keeping vile nauza, ile total amount yenye niko nayo,” she explains.
Kutoka kwa her total sales, Sharleen alikuwa ana-subtract her purchase costs to calculate the profit. Halafu ana-set aside a percentage kiasi ya hio profit kama savings, steadily building up enough ku-cover her loan payments. Doh ikitosha kabla ya due date analipa mapema.
Sharleen’s Advice to Entrepreneurs
Advice yenye Sharleen ana share na wasee wako kwa biz, especially women, ni:
1️⃣Borrow Responsibly: Chukua loan amount yenye unaeza comfortably lipa bila undue stress.
2️⃣ Invest Wisely: Tumia hio loan kununua products zenye zita-generate enough returns ku-cover the repayment.
3️⃣ Believe in Yourself: Kuwa na confidence in your ability ya kulipa hio loan.
“At first nilikuwa naogopa but nilijaribu na amount kidogo na nilijiamini nikalipa hadi nikamaliza,” Sharleen concludes. Ku-learn more on loans na strategy fit ya ku- comfortably lipa, cheki hizi articles.
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