M banking

Entrepreneur

About Me

I am Kenyan citizen by birth from Kericho County; I am the Last born child in a family of three children. I am married. Our father left us when we were too young and my mum carried all that she could manage to see us succeed in life. Two boys and one girl. I went to school at local primary school in the village where I did my Kenya certificate of primary education{K.C.P.E}in the year 2002 and later joined high school Kenya certificate of secondary education [K.C.S.E} in the year 2006. Challenges have been part and parcel of us first. being a single parent you are not entitled to any land ownership but thanks to the current constitution which gives all the right to own the land. My mum used to pluck tea in Uniliver and James Finlays Kenya so that she can gather for my education. I started my business of mobile banking in April 2012 just after completing my ICT studies’ I started it because I saw a demand in the mobile banking Industry . The earning from the business I use to increase my Float and gather for my welfare. I am also gathering for my brother's five year old son who separated. The young boy is currently in baby class and requires fees for his education. My mum also currently relies on me because she does not have a job and she is too old to work on contract terms.

My Business

I currently have a shop situated in Kericho county Formerly Kapsoit stage. The business provides services to any banking client within Kericho. I provide the following services in the business.
1. M pesa services
2. KCB Mtaani services
There is a lot of competition in town as many people have ventured into the same business but mine thrives because I provide quality services with good customer relation that I had developed over the last three years I had been in the business. My business generates between USD 50 to 120USD profit per month which I used to increase float, pay my school fess and gather for my welfare. Recently my brother separated with his wife and they left behind a young boy which I am taking care of. So zidisha loan will help me to increase float which will affect the following: increase in customer service. With the increase in the number of customers the commission ill thus increase. I chose the kind of business because most people don't like to go and queue in the bank so that they can bank the money but want something which is fast and time saving for them.

Loan Proposal

When I get this loan, it will help me increase my float In my M pesa and M banking Tills this will allow my clients to get the services readily available at all the times when needed. Despite the fact that I still have deficit of about 100 dollars for improving the services to my clients. the current loan will enable my business acquire a POS ( Point Of Sale Terminal) this will gather for clients who want to swipe there ATM cards when withdrawing and depositing Money.

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