About Me

Am Roho Mwero Muzi, a 49 years old family man.Am married with seven children. Two in secondary school and three in primary school. and are married and have their families too. Am a resident of Mtwapa. I went to Kinango primary school in Kwale district in 1975. i did my class seven exam in 1982. I stayed at home for one year waiting for fees and later joined Kwale high school in 1984 I finished my secondary school in 1988. There after i joined Kisauni youth polytechnic and did a mechanics course. I completed my course in1992 after a period of four years in the polytechnic. With the certificate from the polytechnic i started the search of a job.I later got an attachment at a local garage where i did a half salary job for six month. I was then employed in another garage where i was being payed a full salary but this was not enough to meet my family needs. That's why i started doing business.I started the photo studio business. It is a good business and i like it. At the photo studio i provide services like photo prepossessing . i also sell mobile phone covers empty Cds and also electrical accessories. Its a good business because in a month i get a monthly income of ksh 35,000. with this i pay my assistant ksh 10,000 , ksh 3,000 is used to pay the shop rent,ksh 2,000 is used to pay my house rent, ksh 6,000 goes to school fees,ksh 5,000 goes to my family food budget. I save ksh 9,000 per month. I face risks like price fluctuation some time you get a commodity at a high price so your profit lowers. So with the saving i will use to pay my loan.

My Business

My business is a photo studio I have done this business for a period of six years.At my business I offer services such as services, photography processing of photos i sell phone covers and electricals like extension wires I;ve had great success in this business. For my children read well and eat well. I do this business at the heart of mtwapa. Mtwapa is a small town but has a lot of progress, for example, is a city that's developing very quickly.And its town with different ethnic communities. Business in this town have done well because of the amount of people coming in here . On my business is doing very well, because of the services i provide to my clients.This business has also challenged , for example changes in commodity prices. sometimes the benefits are reduced because of the differences in price. Its a good business because i get a monthly income of ksh 35,000 which after all expenses i save ksh 9,000 per month.With this saving i ca efficiently pay my zidisha loan. My goals are to develop my business to a higher level. And even open a branch which will add more value and also increase my income. And for this reason am requesting for this loan.

Loan Proposal

Hello, thank you for this loan approval, and my many thanks to go to entire zidisha team for your effort helping businessmen like me. We really appreciate your concern. With this loan i will buy products like photo films, and i want to buy a printer. this will make my business more successful, and this will add value to my business