About Me

charles ndiritu ngatia was born in 1962 in nyeri county ,kasarani location kenya country in 1962 . i live in kiptagwanyi center. kiptagwanyi is about 43 kilometer from nakuru town.i was raised by two parent mother and father whose name is ngatia and wambui.i started my education in 1968. i completed my primary education and join mangu secondary school which was the provincial school,when i completed my o lever.as the country was very young and needed young people to defend it Territory, i join Kenya army.and at that time is when i marry my wife.we were bless with 8 children ,3 girls and 5 boys.i migrate from my home area to kiptagwanyi after i posted to lanet barrack.in 1990, in 1995 i retire from the army and join my family in kiptagwanyi where i started cereal business from the retire money which i got from my work.i stated this business to support my family. the earning from thus business help my family to get basic need and also to pay like hospital insurance fund every year for my family.also i have two children in primary and one in secondary school who is in form three this year and the two are in stardard 8 this year so i plan if GOD wish this two will go to secondary

My Business

my business entail in cereal buying and also selling in this area.i started this business after my retire from the army job.i started with the money which i was paid as a sendoff in the army.i have been buying cereal from the local and sometime when there is no cereal in this area i move my business to the other area where thy are doing harvest like busia ,bugoma, and other place in western province where thy harvest late than this area so that i can keep my business leaving my store to my wife and sometime i employ somebody to sell the cereal to a small consumer in this area like hotelier who cook for their customer.and also if the harvest is good in the area, i buy to the businesspeople who buy from the farmer direct and transport to the other area in this country where there is drought like ukabani.the business is profitable and the demand of my service is high. the main challenge is poor road in this area like the rainy season.high cost of living . high price of commodity in the area which is accelerated by drought sometime

Loan Proposal

dear lenders, this being my first loan with zidisha, i will use some of the money to transport the already cereal in my store to remove congestion in my store, the second part of the money will buy cereals about 15 bags so that after i return from the market i will buy more with the money i will get. in that way i will be able to get a good profit and be able to repay in time