194 installments • 65%
EXAMINATION MEANS SORROW.
Jesus (P.B.U.H) once said in the Bible “Oh God don’t put me to test”. Examinations sap things of us. They are an evil dream for us. Examinations make us to shudder and to fear for failure makes us unhappy. The desire to play as well as the tempting to enjoy seems to lose our intensity as soon as we think of examination.
Before the examination, we have to suspend all the pleasure giving activities. We talk about books and questions and discuss about answering those questions. We will make many plans which we would implement after the examinations. The “lomo” guys perch on trees to learn, Simon and co will be learning in the toilets, Adu and Annor will be running to the campus to hide in the classrooms to learn, the ladies will then be running helter scatter for these guys to help them with discussions. I would sit in the room with doors all shut down but still will hear sound from the silence.
The night before the examination is a terrible night. One dreams of questions and the question papers. In the morning, even Bruce and Simon who do not believe in God pray in front of the examination hall. One feels that everything has evaporated from their brain. One student will muse, “this question is sure shot”, another would ask, “have you prepared these questions?”. The beating of the heart increases as we enter the examination hall.
In the examination hall we pray to God or revised our questions. If the question paper is difficult, sachet of water is ordered. The candidate perspires. If it is easy, we start writing and feel happy in solving the questions. But in this case also, we really become unhappy because we fail short of time to finish our papers.
After the examination the sorrows stick to us. We talk to our friends, “I was a bit confused” or “I could not finish the paper”. Even after all the tests are over we don’t feel satisfied. We count our marks daily and think that we will get a second class. In this manner, the dooms day – when the results is to be announced. We try to find our roll numbers on the notice board. If it is missing, we have to be the taunting remarks of our neighbours, friends and relatives. In case we get through, we are never satisfied with the marks we have secured. We will often be heard saying, “There is something wrong with the examiner. Perhaps my paper has been changed”. So sorrow and examination go side by side. Rather Examination means sorrows.
I sell mobile phone credit cards, EVD(credit transfer), mobile phone accessories and I also do Mobile money transfer. Today, you can't do almost anything without the mobile phone. It is now use in many ways today, in communication, in sending, searching, receiving information and a lot more. In doing all these stuffs, you have to fuel your phone. The fuel for the phone is it's credit. I chose this kind of business because in my area or community its difficult for one to get credit to buy. One has to walk for about 3 or 4 kilometers before getting credit to buy. I also chose it because so long as cell phones, internet and other electronic device activities are concerned, demand for their fuel (credit) will always increase. It cost me about $1282.00 to establish my business. It was a gradual process. It took about 9months to construct the structure of about $435.00
I started with the credit cards and the EVD and later attached the phone accessories and the mobile money transfer. Everyday, I make a profit of about $9-10. That's about $270-300 per month. About one-third of the profit is use for reinvesting in the business, one-third goes my education and the other one-third goes into savings.
Of late, i have added tricycle business to my business and it is moving well.
i will use the loan to buy the following items;
*2 Basic barber chairs – $72 each
*2 WAHL Clippers – $30 each
*Equipment Sterilizer – $102
*Sink Seat – $146
*Cosmetic Products – $30 (Including spirit and after-shave)
*Fabric sheets, towels, apron – $30
*Hair Style Charts – $10
*2 Waiting or Lounge Chairs – $154 each (Plastic chairs)
*Water heating & storage – $307
*Small Basins – $10
*Backup Generator – $470
*Entertainment System – $286
***A total of about $1647
It is not mandatory to buy all the items listed as I start. I can forego some of them and stock up on as the business grows.
Nov 29, 2018
Cost to entrepreneur
Service fee: $53.68
Credit risk payment: $215.11