My name is Pauline Kamau 26 years old from Kenya, i reside in Kamwangi estate approximately 20 km west of Thika town. I am married with 2 children, first born is in class 2 and last born is now 3 years old. I got my primary education in the same place and later joined a neighbouring high school. After completing high school i never proceeded to university due to lack of school fees, i depended on my parents who were doing causal work in my village. Because of the poor background i was brought up in, i became provoked and decided not to remain poor as people would view my family. Ever since i have worked diligently and remained focused in my business. To raise capital to start my business i was forced to wash clothes for neighbours and tilling their lands. I started by hawking second hand clothes but today by the grace of God i have transformed it to a boutique now selling new clothes in wholesale and retail price. I use part of profit to educate my bright firstborn girl who want to become a neurosurgeon when she grow up. I like singing and spends my part time practicing songs in the church since i am in choir.

My business entails selling of all types of clothes like men's wear, ladies wear and children wear i also sell mattresses among others. I choose this business since Kenyan people are fashionable and like spending much money in design wear. This business will always be on demand because people cannot live without clothing which is a basic need. I buy my stock from manufacturers and suppliers who give me at very minimal cost because of purchasing in bulk. This has enabled me sell to my customers at a very affordable price and hence conquering my competitors who sell them very expensive. The quality of my clothes, competitive price and good customer care has made customers to flock in my business daily and has contributed much in rising of my profit margin everyday. I reinvest my profit to business, part paying school fees and meeting house hold needs while the rest is saved for future projects.

Dear esteemed lenders and Zidisha team.

I wish to thank you for the previous loan that you granted me. The loan increased my sales tremendously compared to other months hence raising my profit up 45%. Ever since i have experienced huge number of customers. I wish to apply for another loan which will complement my profit in additional stock for my boutique.

Budget:-

1). 1 dozen of woollen sweaters @ USD 55

2). School uniforms @ USD 80

3). 1 dozen men's shirts @ USD 50

4). 1 dozen of panties @ USD 20

This additional stock will increase my profit margin with 50%.

I am therefore calling upon esteemed lenders to support my application and based on my 100% on time repayment history, you will be persuaded to fund my application.

Thank you in advance.