Long-distance trade in smoked fish

Agnes Akushika Kpodovia

Sunyani, Ghana

67% repaid

Entrepreneur

Name

Agnes Akushika Kpodovia

Location

Sunyani, Ghana

On-time repayments

284 weekly installments  •  87%

About Me

My name is Agnes KPODOVIA. I come from Keta in the Volta Region of Ghana but resides in Sunyani, Brong Ahafo Region. I have four sibblings. I completed my Technical education at Sunyani Polytecnic in 1990.

My ability to further my education was truncated due to limited financial resources. I therefore decided to venture into trading at an early age.

It was a necessity to support my other brothers further their education, therefore, I had to go through terrible conditions in life. This made me to learn early; the skills of trading with the aim of assisting the family financially. We have been able to manage by divine providence, though things have been tough.

My Business

My line of business is buying and selling smoke fish (e.g. herrings); which I happen to learn from my mother in my early teenage years. These skills have taken me over 25 years in business.

I travel over 325 km every fortnight in search of smoke fish to purchase in the Greater and Central regions of Ghana.

My primary concern is the inability to find the requisite resources for business expansion. It is a profit yielding business.

It has been the supportive wire of the family for three decade and with Zidisha there will be superlative expansion capital to buy more baskets of smoked fish to sell.

Loan Proposal

My line of Business is retailing smoked fish. Given enough capital, this business is a very profitable one with huge profit returns in a very short term.

Much profit will accrue in higher investment in more baskets of smoked fish to retail among my established customers, which include Boarding Schools, Students, Catering service providers, governmental institutions and individuals from all walks of life.

I wish to put in this application for a loan of $2,500.0 to help expand my smoke fish retail shop.

A whole basket full of small fish will have 12 to 16 layers. A layer is about $84.00. A basket full of 12 layers of smoked fish will cost around $1,000.00.

I project about 70% increase in earnings if the application is endorsed and it will be a great source of fulfilment.

With Zidisha's enablement, I have been able to employ three extra hands.

Income Source

Many business have truely been affected but the impact in my town/district is not much.

The municipality which has a population of over 200,000 has no coronavirus case. The entire region of a population of almost 1,700,000 people have only one single case.

With adequate safety protocols and adherence business has picked up after the initial nosedive.

Feedback

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Loan Info

Disbursed amount

$2,298.25

Date disbursed

Jun 9, 2020

Repayment status

On Time

Projected term

16 months

Cost to entrepreneur

Service fee: 10% of $2,298.25 = $213.03

Credit risk payment: $319.54

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