My name is Margaret Wambui from Kenya, Nakuru. I come from a nuclear family of five children. We have all finished college and doing businesses. In my family we are success oriented people and we never give up. This is how our parents raised me up. Challenges are there and I am going a very outstanding challenge that I had gone through. This touches my financial life. I had just finished my c ollege and I was looking for an employment. It happened that my friend called me for a job which was a bout 50kms away from home. I did not have cash and neither of my family members had. So what I did is to approach a neighbour of mine who used to be our friends. He did not accept that easily. He asked me if I was going to sell second hand clothes for him after I come to refund his money. I accepted and he gave me the cash. I reached at my friends place and unfortunately the job was also to sell second hand clothes. This heart broken. I had taken my money so that in return I sell second hand clothes and there I was going to be give selling second hand clothes job. I came back to my neighbours job and after a few weeks he gave me capital to start my own business. I just started my business from there. I look forward to expanding this business. My culture is a good one and traditional music is our unique cultural thing. During occassion we listen to our traditional music called Mugithi, This is music mixed with folk dance and other cultures envy it.I want my children to grow wealthy when they grow up.

My business is doing well. I sell second hand clothes but I want to upgrade it to selling new clothes because it is also fast selling. I am seeking this loan to expand my business so that I earn extra income to support my family. Clothes are on high demand, people are buy it every day. Second hand clothes are bought by low and middle class people. Now I would like to meet the standard of high class people by getting new clothes and fashioned clothes. This will tremendously increase my daily sales thus my income big.

I chose this business because it is a daily business. What I mean is that people buy clothes on daily basis, either for children or adults that is i make a sale everyday. This business also was my life changing opportunity for me. I was introduced to it while paying debt but it became relevant to me and I loved it.

My profits is about 60$ monthly. This is nice. But I can do better than this. My expenses involve food, rent and transport and other home improvements like chairs, tables , beddings and utensils

i want to buy coats now that we are in cold season.i will buy the trenchcoats at 5$ to 7$ and sell between 10$to 20$ depending on the trenchcoat design if it is official the price is high to one that is flowerly and casual.this new stock will boost my sales very much,adding this to my current stock i can be able to make more like by about 8$ from trench coats only. if the client sees the other clothes in stock and makes even more sales .