Words From Our CLients - Testimonials
It is hard to think of a life without convenience, even harder is to have to experience that life. As a matter of fact, we walk through life aiming to create conveniences for ourselves in all aspects, however big or small. It could be as complex as getting a home near a work place. As such is the case, we cannot enjoy these simple pleasures without the efforts of people like David Ndirangu, who operates a retail shop that caters to the needs of the residents of Nyeri residents.
At the break of each dawn, David opens the doors of his shop. Wearing a smile of optimism, he watches customers streak in one by one, each leaving with an item of their choice. His happiness however transcends beyond just making sales and profit, as this was not his reality before. He reveals…
“Kupata pesa ya kuboost stock ilikua shida kabisa! lazima ningengoja stock iishe ndio ni nunue ingine, sasa hii instant cash service ya AT HOME CAPITAL inanisaidia kuboost stock, customer akikuja hakosi chochote sababu Kuna all the stock I need.”
Getting money to boost my stock was a heavy challenge before, I had to wait until I’ve sold everything to be able to afford new stock. This instant cash to phone service by AT HOME CAPITAL enables me to restock even before I run out, my customers lack nothing.
David Ndirangu’s position has now been elevated, because of our partnership he has been able to create a convenience that binds the society of Nyeri together. This is exactly what AT HOME CAPITAL lives for, when we support each other, we build prosperity together.
They say what a man can do a woman can do better, well for most people this sentiment has been a bone of contention, not because they do not believe in women. But I dare say it’s because they have not traveled far enough to witness the sheer power and determination of women in our society. Meet Joyce, a lady who is determined to create a niche for herself in the world of entrepreneurship by serving amazing local delicacies to the people of Nyeri town. Our small conversation quickly revealed her enthusiasm for her business “Hii biashara yangu ya hoteli na butchery naipenda sana kwa sababu inanisaidia kupata mapato ya kila siku, na ningependa ikue kubwa sana ili nami pia ni ajiri watu wengine” “I love my hotel and butchery business so much, because it provides me with my daily income. How I wish it grows to a point where I’m able to employ other people.” If these words are not a pure testament to her personal determination, then I don’t know what is! Our conversation did not end there, she went ahead to describe to me how her daily routine was like, this fueled in me a need to ask about the challenges that come with her line of work, not once, not twice did she bring up finances. Her happiness faded as she described how hard it was for her to access capital for business growth before, I listened keenly as she detailed her reprieve after onboarding AT HOME CAPITAL as her partner for growth. Her ambitions to employ more people will undoubtedly come true. Services like instant cash to her phone without a tiresome procedure of application, enable her make stock purchases quicker than a flash of lightening. This immediacy has built in her a great sense of trust for us, to a point that she would make a purchase with no money on her phone but trusting that we have got her covered. Lack of capital has historically been a hindrance to growth for many budding entrepreneurs, but with AT HOME CAPITAL the dream is surely valid.
Opportunity is a time or set of circumstances that favor the execution of a purpose. These circumstances play a vital role in determining the success of that purpose. Every entrepreneur tries to put their business at a place of advantage by creating favorable circumstances for themselves and their businesses. This is the story of Susan Njogu who owns a beauty parlor in Nanyuki town. After running her business for a while her clientele grew, as a move to cater to all her clients, she introduced an out of shop service where she would tend to them away from the premise of her business. This necessitated one other thing, getting someone who would stay at the shop to attend to other clients while she was away. Cool move, but did she have the money?, This is the reality that AT HOME CAPITAL solves for SME owners, Through our partnership with business owners we enable them overcome situations that would otherwise slow their growth. Mrs. Susan Njogu was able to accessing our financial assistance, as a result she got herself a new employee. Goodness! other areas of her business have also improved, like marketing, both online and physical. “Kitambo nilikua nategemea tu walk in clients ju sikuwa na enough money to go around, or even ku market to colleges and other shopping centers, but sahii ju marketing iKo sawa, sina stress ju hata walkins wasipokuja me niko sorted” “Previously I solely depended on walk-in clients because I did not have enough money to go around, or even cover my marketing expenses to campuses and other shopping centers. But now that my marketing is sorted, I’m not stressed. If I get few walk-in clients, I’m still hopeful.” Susan’s world has now been ushered into a different reality. Reaching out to potential clients she never had access to, puts her business on a new route, and success is only a moment away.
The reality is SME's contribute largely to our G.D.P and the very sector employs more than half of the working population. When Jane Wanjere started her business, she strategically put it in Kiawara. Generally, Kiawara is a transit town that connects Nyeri to Nyahururu, this meant that people in the transport industry would be her prime customers. It is also the agricultural hub of Nyeri county where onion farming and onion business define the true spirit of hustling. For that reason, supplying packaging and storage bags proved to be nothing but lucrative, how unique! She however was met with another challenge, since her bags were always on demand and she didn’t make them herself, she needed money to buy them in bulk and at a wholesale price. No worries, the solution was right at her fingertips AT HOME CAPITAL. “Unajua limit yangu huko AT HOME imefika 40,000. Hii ni pesa singepata kwa any other person bila kuitishwa savings ama deposits, sasa nafurahia ju kweli AT HOME CAPITAL wanafanya nifeel at home kwa biashara yangu.” “My current limit at AT HOME CAPITAL is 40,000 Kenyan shillings. This is an amount I would not have gotten anywhere without being asked to prove my savings, or provide a deposit. I’m so happy, because AT HOME CAPITAL makes me feel right at home.” With our financial support SME's are no longer just economy players, but key social transformers that heavily impact the society we live in today.
When individual effort is achieved, progress becomes the ultimate outcome for society. Meet Silvanus Imbaya who operates a welding business in Nanyuki.Among all our clients in the fabrication and welding business,Mr. Silvanus has been one of a kind, one that is filled with amazing testimonies. From enabling him source for his supplies in time, to transporting materials to the sight without delay, or even sorting out his suppliers without an ounce of worry. He is now able to leave his employees at work and focus on clients with heavy construction needs, this has breathed new life into his business, with a fresh air of flexibility. “Asante sana AT HOME CAPITAL kwa kua mmesimama namimi katika biashara, na najua itaimarika kabisa” “Thank you so much AT HOME CAPITAL for being my partner in business, because of you I’m definitely assured of growth.”
Our journey brought us back to the vibrant streets of Nyeri, at the business premise of Mrs. Elizabeth Wangui. A magnificent lady who runs a restaurant that specializes in diverse chicken delicacies. We quickly noticed how busy operations have gotten since the last time, so we asked what has changed? “Unajua shida ilikua kununua kuku kwa bei ya juu na kuja kuuza hapa tena after nimepika,sahii nachukua tu kuku kwangu nyumbani na kuleta kwa job. Sasa huwa ni kama profit mara mbili. Alafu tena this month ikiisha, nitaanza kusupply hao kuku wangu kwa other hotels.” My challenge was to sell chicken and make a profit, especially after securing my supply at a steep price. Right now, I’m able to make the supply myself, and that has given me double profit. Also, by the end of this month I intend to start supplying to other hotels. Mrs. Elizabeth’s success did not come by chance, but by the result of her efforts. She thought of a way to maximize her profit, and what better way than being her own supplier! she prepared for the today she enjoys now. When she set out to start keeping chicken, AT HOME CAPITAL committed to being her partner, whenever she made a call to get money for feeds and other farm necessities we gladly answered with immediacy. A walk of hope through turmoil, has borne yet another victor in the world of entrepreneurship.