A loan of $725 helped to purchase bulk materials for making wedding gowns.

Josephine's story

Josephine is 47 years old, she is married, and has four children, one son whom they adopted. Josephine is married to a pastor, so apart from her tailoring work, she also works part time to assist her husband with church work. Apart from her children who are now grown up and in various colleges, Josephine also has two dependent children that she supports through paying their school fees back at home. Being the wife of a pastor also requires her to offer support to the members of their church and she therefore also supports two single mothers and one widow who is also her employee.

Josephine started her dress-making business in order to sustain her family in 1992, after she received a loan of Ksh7,000 (USD100) from a local NGO. This loan was to be shared amongst three people and was meant to be used to start a business. The three started a small business in partnership, but within a short time, the other two partners requested that Josephine take over the loan repayment, and to employ and pay them on commission. Josephine later attended a two-year course training in embroidery, tie-dye and fashion design. With the new skills learned, Josephine began to make bridal wear, African attire and even began to make curtains.

Since then, her business has expanded from a small stall which three people shared, to the four stalls that she now owns in the Jericho market, one of the market areas in Nairobi. Josephine now seeks additional support in the form of a loan to enable her to buy bridal wear materials in bulk. For this, she seeks a loan of USD725 repayable within 6 – 12 months. Purchase of these materials will enable her to cut the cost of the materials that she buys in small bits. This will also enable her to give reasonable prices to her customers, and will at the same time ensure that she gets higher income. This will improve the situation at her business, and will help her to continue to maintain her staff.

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