About Me

I' am married with a child her name is Janet, I'm the first born son from a family of four boys, born in 12nd June 1984 at Mtwapa Kenya, i was brought up from a single parent (my Mother) her name is Janet Ngonge, My parent got separated due to home affairs when i was 10 years old. So my beloved mum took all risk to rise us. We live at Mikanjuni Village. I started my primary education in 1992 at Mtomondoni primary, in 2002 i was enrolled at Msumarini Secondary School and completed my O-level in 2005. In 2006 upto 2010 i used to do unskilled job as long as i could assist my mother taking care of my brothers.
On 2010 i applied for a loan and used it to buy computers so as to start my own business.
From the cash i get from this business i usually buy all kind of basic needs for my family like: food, cloths, paying school fees and save some cash for emergence. But just because of high demand and a lot of competitors i therefore apply Zidisha loan to bust my business so that it may help me and my family not forgetting the community at large.
I will be so greet fully if Zidisha puts my form under there consideration promising to pay back the first loan so that i may apply for the second, third and more because i wish to have a small college of computer services. As i can see that most of the people here always go far for this training, so i would like to help them not to spend more from traveling a long distance.
As life is hard, most of this people can not afford to learn computer packages and as we can see that everything has been computerize so there is a must that everyone must be a computer literate.
In this i will also earn a lot of money and create job opportunity to the youth so that they may avoid idleness and use drugs and stop violence.

My Business

In my business i offer computer services like: browsing, photocopying, printing, scanning of documents and editing.
As we can see that everything is computerized, the demand is too high and everything must be done through computers, even some of the organization provide the pay slip of there workers through web, so every month end i serve a lot of client helping then from downloading there pay slip. And as i live in Kenyan coast whereby tourism is the main source of income so there is a lot of people who come in to chat with there friends and beloved ones through the Internet.
Not forgetting the researchers, and teachers who normally come to do there research, and children for playing computer games.
So the demand for this business is too high that i believe someone can depend on his/her life.
As i did a lot of research before operating this business, i realize that my competitors are weak from Internet speed, so in my business the speed of the Internet is too high and if i get a loan from Zidisha i will still increase the RAM to all of my computers so that i may bust the speed more.
And just because my business is on high demand, i get a lot of profit from all this, as i don't need to buy stock every morning. I earn Ksh 1200 per day that means i get Ksh 36,000 per month. From this amount i subtract the running cost of Ksh 25,000 as i pay Ksh 4000 for rent, Ksh 2000 for electricity, Ksh 6000 for Internet provides and i employed someone who always help me, therefore i pay him Ksh 6000, my salary is Ksh 6000 per month.
So after all this i get Ksh 11,000 as a profit per month which i save for emergence and helping my family too.
The risk a high as i' am using electricity to sometimes my computers blow out and i have to use my own cash to fixed this.
So if i get the loan i' m going to buy 2 (two) computers at Ksh 15,000 per piece, a big copier which is Ksh 28,000 and a 8 web cameras at 1000 per piece which makes a total of Ksh 66,000. I will be able to pay this amount without any problem.

Loan Proposal

Thank you for your support, i will use the amount to buy flash disc, memory cards, empty cd/dvd's and one monitor which is 4500 kenya shillings so that i may increase the number of computers in my cyber cafe. The stock i have indicated here in will burst my business because most of my clients ask for.
My God bless all how have contributed to this as i bless that it will help my business in one way or the other.