I am an adult, married with three children. Professionally I am a teacher and proprietor for Nakuru intellect bookshop . I finished high school with a very good grade and joined university after difficult high school life because of lack of finances. Before joining university i worked in the informal sector for a neighbor in his tomato farm for one year earning $30 per month. After college I joined the education sector working for government as a schools teacher. To supplement my income i engaged my self in books selling which am currently doing though with financial challenges but i do have a resolve to make a market niche in spite of other established books sellers doing similar business. Support from Zidisha will help me realize my goal as a regional and later a national books seller. I am grateful to be associated with the entire Zidisha family for i do know that from the living testimonies around our environs business have propelled as a result of this social banking concept.Thank you and God bless Zidisha team.

My books selling business involves buying of secondary and primary books at bulk purchase price both exercise and text books. Normally I do buy from established appointed distributors. As has been in our education system books are an important resource in our education system. Books do have high demand but again due to many sellers in the market one has to establish his clientele base. Mostly being in the education sector has been a plus factor to me since I supply to various schools manly primary and secondary schools. Basically I chose this way of the enterprise because it is in line with my profession and also as a way of value addition to the education to my students and the schools at large. In the normal business point of profits I do manage an income of $230 net per month.However this being a good profit margin will help me repay the loan without much financial rough parch being experienced. My part of the profit goes to my kids education, my one employee, then the difference is reinvested in the business. Also one casual employee is factored in the same profit budget system. My positive expectation is that with this loan the business will go to the next level hence more growth.

If this loan is granted I intend to get my business to the next level. The focus is to diversify this business by accumulating sheep stock out of the ptofits that accrue from the book selling business. In my village there is available grazing field. With good care which I intend to adhere to I am confident that this can give me a very good chance to accumulate this livestock resource as a way of creating wealth.

All these benefits Will go a long way in supporting my family of many dependants including my two aged parents, my three children and three nephews who are still In school. I will be able to feed them and pay their school fees. Your lending support will therefore be more of philanthropic than just a loan given.Thank you very much and be blessed. Erick