184 installments • 68%
I’m the younger brother in a family of four (4). Both my parents are very patient and have done the best they could for me.
I grew up in a very stable home. Both parents i.e. Dad and Mum are Driver and Petty trader respectively. Later, this stable home became distorted and leads to divorce 15years ago.
It leads to a total division of us where two of us chose our mother and the other two chose Daddy’s side. I was rather fortunate to be by my father. He began pushing me through my education. Later my father business spoiled and he was home so I could not continue. I became drop out from school. I involved myself in some business and I could raise money. I thought to go and do a computer programme. I went to the college to tell them about my situation of been a school drop out. The school offered my entrance exams to test my intellectual level. I had the exams and passed successfully. I was offered Business Administration-Secretarial Option. I completed and have my first career certificate. I was also zealous about computer. After, I spent two months in school to be thought hardware by one tutor who loves me so much in the school.
I also hard my computer hardware certificate and I came out to do attachment for three months in a certain hospital. I became through and I was employed to be Health Insurance Claims Processing Officer.
I thought of starting my own business. I begun it as a part-time base where I own myself a shop and begun repairing people’s computer. Because I use to repair computers at the hospital, as soon as my friends saw my establishment they begun marketing me and I became popular in the locality. I got to know Zidisha 3years ago and with the help of my lenders I have two branches. I want to get this loan to expand it if possibly a new branch.
The locality can boast of one big market which makes there unique where they offload yam in large quantity for sales. The most dominant festival is Christmas and Easter.
I want my children to grow up highly respectable and respecting, God fearing and become Pastors, Nurses and Lawyers.
I love going out for evangelism, playing ball, reading, researching and watching movies.
These days that the world is moving to a technological stage Computers have become keyed and necessary in the life and education of humans and is almost that every household have a computer and almost every company use computers for their activities. Three years ago I set up a computer shop that I repair computers and also provide computer assistance. Also I sell computers and accessories, troubleshoot computer problems, Computer networking etc. I chose computer business because, computers have become necessary and required in life in education, so I know, and it is almost that every household and company has a computer or computers and I know setting a business of this kind would be best. PC Repair will provide computer and technical consulting (repairs, training, networking and upgrade service). This computer business will be serving about 7 communities. The Market PC Repair has decided to focus mainly on the small business market, as these customers typically don't have a full-time IT person, but have full-time IT needs. PC Repair will offer an affordable, on-demand service for these customers. I can also offer maintenance agreements that generate additional monthly income. For my residential customers, we will offer a very affordable and helpful service with a very flexible schedule to meet their needs.
MY TYPICAL REVENUE ARE;
1. A job card is required before I collect and Service or open each machine
2. I buy second hand computers at cheaper prices and sell them for profit
3. I also sell computer accessories such as pc power supplies, memories, Mother boards, CD ROMs and others for profit
4. I network companies and industries on contract
One cost at my expense is when working a machine that is working but not active and later become not functioning, sometimes you may be charged to pay.
My Objectives are;
1. To provide the best service available to the community at an affordable price.
2. To generate substantial market share so that PC Repair is a common name.
3. Constant growth in sales from start up through year three.
4. To generate customer satisfaction so that at least 40% of our customer base is repeat business.
I will be using 50% of the profit to reinvest and expansion of the business, 30% for saving and remaining 20% for home and other use.
I write to request for loan in your organization. I need this GHS 3,103 to invest in my business. This is to enable me to expand the business. I will buy computers to fill my shop in other to be competitive in my line of business within my locality. I will also add 1 or two flat screen televisions. This will help to make available of computers and computer peripherals and Flat Screen Televisions for customers right at their door steps when in need of them. 1 Flat screen is between $200 and I will buy 2 and is equal around $400, One dual core system unit is $70 and I will buy 5 and it is around $350. I will use the remaining to buy computer speakers.
If I have access to this loan I can be able to increase my Profit margin about 25%. I promise to pay it as scheduled.
I promise to abide by all your rules and regulations governing this noble firm.
Nov 16, 2016