I am a 47 year old man born in Accra, Ghana to a military officer father and a house wife mother. My parents had three children of which I am the first.

My parents divorced when I was 18 years old and I had to go and work in my maternal uncle's electronic parts shop.

I had to fund my education myself with the meager allowances I received from my uncle.

In the year 2002, I left my uncle's job started trading on my own. I picked items from people I knew to sell and use the proceeds to further educate myself.

Today, I am pursuing a Masters degree in Distance education and E-learning from the University of Ghana.

I would like my children to grow up to be responsible citizens and engage in occupations that are human centered. They must be law abiding, respectful and full of integrity.

Ghana is a country well endowed with natural resources with a nice climate. Its people are among the friendliest one can find.

My hobbies are watching football(soccer) and reading.

In 2011, I went into computer and its accessory sales together with a friend. We did not have enough money but through the benevolence of some well established traders in the business, we were able to stock goods on credit.

Today, I ran the business alone with occasional help from my spouse. As result of my education, there has been a dip in my savings because I have to pay my fees with part of the income from the business. This has necessitated the need to raise more income through more innovative means.

Information Technology has come to stay and everyone is buying into the technology idea so it is a fast growing area in Ghana. The benefits are immense and the income from the business is good.

I got into the computer business when a friend of mine sent me some laptops from the US to sell and it has been fruitful.

Although some of the profits from the business goes into the upkeep of the home, a larger percentage of the profit is reinvested in the business.

The average cost price for a new dual-core laptop is about $297 and sells for around $324 and a new core i3 laptop costs $432 and sells for about $486.

I will use the loan amount to augment my stock of computer accessories such as laptop screens and adapters. From the loan, I can buy ten (10) laptop screens at about thirty four US dollars ($34) each and about forty (40) laptop adapters at about four dollars, eight cents ($4.8).

This loan amount will raise my monthly income by about 8% and thereby make life more comfortable for me, my staff and my family.