149 installments • 70%
My name is Veronicah Muthoni Kamanja.
Aged 38 years and have been married with four kids, living together.
The children attend a day primary school allocated in our home area.
We live in Naivasha district, Gilgil division Kiambogo location, Njeru village.
I did my KCSE exam in 1991 ie four course later joined a college of accounting.
Currently lam working at Mugaa secondary school as a accounts clerk.
I started a business of hair dressing which was at home,because l needed more money to cater and educate my children
I started a business of hair dressing which was at home,because l needed more money to cater and educate my children As time went l started attending more customers where l end up shifting from home hair dressing and hired a bigger room in a near by shopping center called Kiptangwanyi where electricity was available and means of communication and transport were good as compared to our home area.
Fromthe businessearning l was able to expand the work by buying more working tools and employed one saloon.
However the kind of goods that l sell are for the ladies eg ornaments, handbags, cosmetics and so on.Services are plainting of hair and nail painting.Most ladies working in different areas eg in businessis or in offices like to look beatiful, therefore their is need to apply cosmetics.My customers prefer my business because l charge fairly and the busines is always open.
Due to area allocation of business we make more profit only when the farming (harvest is good) because most people relie on farming even though they are employed.The risk the business faces is when their is no harvest.
to expand the existing business of hair dressing that l have prevoiusely been operating l would like to buy two new broad dries for straightening the hair for shs 5,000 each. I want also to buy two new seats that are much more comfotable for my customers at shs 3,000 each.I want also to recarpet the floor of my salon because it is dilapidated at shs 10,000. I want also to buy suplus cosmetics for the remaining shs 4,000 to keep me going for some two weeks or so.
Oct 20, 2011