289 installments • 59%
My name is Joyce W. Kamau, third born in a family of eight. I am a Kenyan, born and raised in Njoro in Nakuru County formerly in the Rift Valley Province. I am 36yrs old. I live within Njoro town. I run a Computer Bureau opposite Njoro Police Station that involves photocopying, typing, printing, binding, scanning, lamination and stationery selling. I am a teacher by profession and also have trained on computer applications. I started the computer bureau because of various primary and secondary schools within the area hence the need for computer services. Also the district and division headquarters of Njoro are situated near the area about 200m away, creating an opportunity to serve more customers within the area due to high demand of the same services. The business is located in a strategic position because it is near the main road which is easily accessible and the place is highly populated. From the earnings of the business I am able buy printing papers, lamination porches, other stationeries like envelopes and pens, paying for repair and maintenance cost of the copier machine and computers, pay salary to my two dear assisting staff and any other expenditure that may arise. I am a committed lady, time conscious and passionate in whatever I do. Also considers myself to be a risk taker and a fast learner who loves challenges in life.
My business name is Blessed Hands Computer Services situated within Njoro town. I offer majorly typing, printing and photocopying services to my customers. Also other services offered includes; lamination, binding, scanning and selling of office stationeries. There is demand for these services because the business is surrounded by both private and public primary and secondary schools. Also there is a polytechnic within the area. There is also a public university in the same region. All these institutions require my business services like exams and manual photocopying, printing and binding of assignments and projects. My customers prefer my business over the others in the region because of good customer services offered by me and my two employees, fast and efficient services, good communication skills and reasonable charges to services offered. The business is profitable because it caters for all my needs at all the times. My business risk is breakdown of the machines where sometimes the technicians take a longer time to avail themselves in repairing them. Also the cost of buying stationeries varies with hard economic times. Security is taken care because we are directly opposite the police station. Also the work premises are taken care of by a night watchman. From the earnings of my business am able to pay my rent, cater for my basic needs and assist in paying my nephew’s school fees who is in college. I would like to expand my business by adding two computers that will help my customers to browse efficiently without any interruptions. If given the loan I will repay it using the earnings from my business.
Blessed Hands Computer Services wishes to convey its sincere gratitude to all its amazing Lenders who have enabled the growth of the business in various ways through lending me the first to third loan that assisted me in buying Two Computers, an Epson Printer and a Book Binding Machine respectively. To that I say “Long Live Zidisha Team”. My business is continuing to flourish and hope for more and more increment as we grow together as a community. May God bless you richly.
My next task is to acquire a HP Core i5 laptop which costs $563. Am requesting for a fourth loan of $495 to enable me buy the laptop. The remaining $68 will come from my business savings. Due to moving around to digital era, most services are being online like renewal of driving licenses, vehicles searches and transfer of ownership (logbooks), access to good conduct certificates, application of passports, registration of businesses etc. All these government services are now done online hence the need for an extra machine. I settled for a laptop instead of a desktop because through the laptop, I can do my extra work anywhere I want. I can use the laptop without electricity at home. For the reason that these services mentioned above are online, during the day the internet connection is mostly congested and hence delays in delivery of the expected results. I wish to be carrying the laptop at home to do these extra online assignment and this will reduce the workload so that am able to fulfill my customers expectations and timely delivery of their needs.
I promise to faithfully pay my loan installments on time and on regular basis as on previous loans. Thank you for your continued support and may the Almighty God continue to bless you as you help the community to expand. Thank you once again.
Sep 23, 2017
Cost to entrepreneur
Service fee: $22.40
Credit risk payment: $22.40