Entrepreneur

About Me

My name is Stephen Njoroge Ngonyo, am maried, born in twenty seventh December nineteen eighty one in rift valley province, Nakuru north district in a village known as Gatitu. My parents are Mary Ngonyo and John Kariuki, we were born me together with three siblings, two brothers and one sister. I joined Our Lady of Mercy primary school in Bahati Division for standard one to class eight. I did my KCPE in the year nineteen ninety eight. I did not proceed to Secondary level due to lack of finance. Now if you want to reach me,I come from Engashura Kabatini, from Nakuru/nyahururu you stop at Maili Sita and drive to Kabatini route a right at kabatini centre walk for about 600mtrs ask Miriam Wairimu’s home who is my famous Grandmother.

My Business

I am milk dealer. I started a daily in the year of two thousand and ten; I liked the job very much since when I was in high school. I used to help my sister in her daily shop .Thereafter is where I was employed employed by a family friend , where I worked for seven months .There after I had saved thirty five thousand where I raised another fifty thousand from my family ,so I was able to start my business. Though it was challenging to get customers because of other dealers who had ventured earlier, I persevere with the situation .Then I managed to get customers gradually because I made sure I gave them discount to attract them. My daily shop became firm and stable eventually. The first few months I was able to pay the money I had borrowed, so the year ended. In the first months of the year I made sure that my daily was full of the products needed. This came about by my negotiating for better prices from the whole sellers. I did all this using the amount I had gained in the previous year. I get income of about kshs 10,000 so the total annually is kshs 400,000. From the earning am able to pay my bills, buy food, clothes and I also help my family back at home.

Loan Proposal

First is to thank Zidisha microfinance for lending loans to people. I very grateful for lending me loan twice. I kindly request for a third loan of Ksh. 200,000.00 which will help me to advance my business. Ksh. 110,000.00 want to purchase a new motorcycle that will help me to transport milk from farmers to my milk bar. Ksh. 90,000.000 want to boost my horticulture by buying farm inputs such as fertilizers.

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