I am 49 years old and married. God has blessed us with two children, a boy and girl. The first one is a boy: his name is Isaac and he has completed class eight, joining form one soon. I have an O-level education and due to financial difficulties I never went to college. I was once employed in a textile company as a knitter, but due to sickness I was forced to quit.

After leaving my former employment in a knitting company as a knitter due to sickness, I decided to join newspaper vendors in Eldoret Town. I have been selling newspaper for the last three years and my daily profit on the sale of newspapers is 6 US dollars.

I intend to increase that daily income by employing an additional person to sell newspapers, because for the much experience I have had in the business, the higher the sales the higher the income. Thus I plan to open a new selling point within the streets of Eldoret Town and continue selling to boost my income.

Dear lender,

Thanks for giving another opportunity to borrow from you. Given funding I would like to say that I will use the 100 US dollars as follows:

- 100 US dollars to invest back in adding more stock for my newspaper business

Thus the proceed will help me pay my children school fees and repay loan also.

Thanks very much for your wise consideration.