my name is lucy wachera njoki,njoki is my mother name as i was raise by single parent who was very serious in her children education as she knows ,only education is the only thing that will enable her children to develop in life.i was born third of a family of seven children,so after completing my education in form four , i was employed by a neighbor who was having an mpesa stall in our village.after about two year i was able to join a local lending group which was only for woman in the area and after a shot while i talk to my mum about starting my own business,and because the only business i was understanding well is this mpesa,my mother add me some cash from his business and look for me a better place where i can open the business and also help me to get business permit.i started the business in 2009 till then i have been doing this business which because of good relationship with people it is profitable.now i am planing to open another business that why i need the support from this organization.if i will be granted this loan i will open another one which will be running by my younger sister.

my name is lucy wachera njoki,i am an mpesa agent in gilgil town,in this business is where i get my daily bread for me and my son who is 6 year,also in my shop i sell soft drinks because sometime people wait for their money because sometime,network became low.my business is profitable because it is located in a secured place,also my profit is driven by my excellent service and good location. this make me to have many customers and because i am near the matatu stage where people who want to travel wait for the transportation.my monthly earning is 28,000,when i deduct my monthly cost which is 10,000 i remain with 18,000 which i deduct 8,00 because i help my mother in my brother education fees and also my kid,so i can save 10,000 every month,last month i was able to buy a plot not far from where i have this shop,so if thing go well i think i will build my house there for me.

Dear lenders, happy holidays. It's with gratitude that I place my loan application it's my 4th loan.I understand it's been a while. The money will help my business make higher profit. Which will enable me pay loan without struggling. I will be able to take my son back to school and also my new baby girl to babycare everyday.

I will use the funds to buy chips pan, mesh spoon ,juakali chips warmer display and potatoes. I want to start cooking chips, sausages and samosas. This will enable my profit raise.

I will start teaching my neighbours how to cook snacks for free. So they can treat their families.

Please accept my proposal. Thank you in advance.