Entrepreneur

About Me

I Naftal Njuguna Kamau was born in 4/7/1977 in Nairobi where I was being brought up by my beloved family. I went to the nursery school in 1983 at NGECHA Nursery school in Umuru Division in Kiambu District where I stared performing very well because I was always top 10. in 1986 I joined primary school and continued with the motto of becoming top until I finished started 8 in 1994. I joined a school called Gichoru High School even the principal started recognizing me because of my good behavior . in 1997 I was promoted as a school games captain because I was performing very well even in sides of games. I continued with my education till I finished form four. After attaining c+ from there I started looking for collages where I can keep myself busy before I decided what I can be doing in my life. In 1999 I was invited by my sister in Nanyuki when I decided to learn First Aid in a well recognized Hospital in Nanyuki called Cottage Hospital. After I did it very well they decided to employ me as a driver and first adder. My life begun there because at least I started getting as the end of the month after I worked there for 8 years I decided to upgrade by learning about V.C.T. After searching the college of VCT up and down I was helped by an NGO called APHIA plus but then it was APHIA + so they took me to college in Nakuru and paid for me all the expenses from there they posted me to Nanyuki District Hospital as a VCT counselor where I stared a small business with the money that I had already saved amount to Kshs 150, 000.

My Business

I Naftal Njuguna Kamau of ID 20906096, I started my business in 2nd sept 2000 with a capital of Kshs. 150,000. I started as a kiosk where I was selling things like sugar, Rice, Tea, Fat, Toilet papers, eggs, sweets, biscuits, pampers ,bulbs, saviets,match box ,unga.,Royco, toothpicks ,baking powder, cotton wool, steel wire plus things like potatoes, carrots, tomatoes, fruits, bananas. God is good my business works well and I decided to buy the bicycle for carrying market goods and for God grace I got bicycle I decided to employ someone because I was working that time, so I did not, hence enough time to satisfy my customer I employed a lady. So after working I was coming direct home to take the order of the things that were requested by the customer plus adding more stocks. For God’s grace that lady worked very well and I decided to marry her because she was very hardworking in the business. From there our business worked very well and we decided to look for a bigger place so that we can put more and more variety of goods. I decided to have a bigger room of two rooms, the bigger room. I decided to keep it as shop and the other room I keep it as a store. Anyway God worked miracuracly as usual in a place that I started buying things in cartons to a producer like some that I know called Sagar limited. So that my business can expand more and more, according to my calculation every month I usually get a profit of 45000-15000 expenditure =30000 profit. Thanks in advance and I will start teaching more people about Zidisha Microfinance so that they can benefit like me to. Thanks and may God bless you

Loan Proposal

Thanks Zidisha for giving me another chance to work together as team.the money you helped me with has changed my life to another step because i have started buying goods in large quantities.i have appreciated you Zidisha staff for changing lifes of many people.may God bless you so much.these is my budget of 16773 kenya shillings.jamaa bar soap will be purchased at a cost of 1240 kenya shiilings.menengai bar soap will be bought at a cost of 1280 kenya shillings.plastic soda outer at a cost of 1175 kenya shillings.one carton of always sanitary pads 8th will be purchased at a cost of 1050 kenya shiilings.25 kgs of white sugar will be bought at a cost of 2300 kenya shillings.posho mill will be bought at cost of 1950 kenya shillings.maisha 2kgs of wheat flour will be bought at a cost of 1450 kenya shillings and maisha 1 kgs will be bought at a cost of 1480 kenya shillings.toilet paper will be purchased at a cost of 650 kenya shillings.two trays of eggs will be bought at a cost of 300 kenya shillings per tray.one buffer of sportsman cigarettes will be purchased at 870 kenya shillings.2 embassy lights cigarettes will be bought at a cost of 260 kenya shillings.2 embassy kings cigarettes will be purchased at a cost of 260 kenya shillings.2000 kenya shillings will be used to purchase different flavours of sweets and biscuites.thanks Zidisha staff in advance.may God bless you.

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