I grew up in Nakuru within the Rift Valley province in Kenya. I am married with two kids who are in lower primary school. I do farming in Kabazi in Nakuru. I have not specialised in a cash crop or livestock but I do bits in both. I believe in hard work, and every morning to me is an opportunity to grow and learn. My wife is a house wife and we assist one another in farming.
I had, after completing school, decided to take a course in Tours and Travel at the Amboseli Training Institute. With the certificate I have, I looked for a job in vain. I tried my hand in farming and realised that farming can be paying.
Having seen this opportunity with Zidisha, I have decided to try and see whether I can empower myself economically. This is the reason today I am applying to join Zidisha with long-term goals. I was to create good rapport with lenders, and once this is done maybe they will be willing to grant me a large loan after a year or so, through which I will invest in farming.
I am a farmer and I also own a motorbike. From time to time, I offer transport using the motorbike, particularly in the evenings, where I earn considerable income. Mostly I plant maize and beans on a yearly basis.
The challenge here is that, upon planting, it takes about 6 months to harvest beans and about 9 months to harvest maize. This makes my income not consistent. I have looked for other ways of overcoming this, and I also keep sheep and sell them upon maturity. I also offer transport during my free time to supplement my income. This has ensured that at least I have a steady flow of income to the end of the year, when I sell the maize after harvest. In a month, my income is about Ksh 15,000 ($144 USD) in net, and this is what I use for family upkeep and paying fees for my kids.
My previous loan was very successful. I am on my fourth loan, for which I plan to purchase sheep and goats, as in my previous loan, for selling after some time. My business did not disappoint, since the goats I bought in December 2016 were disposed and I got payment immediately. As we approach December holidays, the demand for goats and sheep will be high. From my previous experience, I have seen that when I buy a large number, I will be able to maximise profits by rearing them for a while before I dispose of them at profit. I will be purchasing about 15 of them at an estimated cost of USD $35 each (USD $35 x 15 = $525), and after a while I will sell them with a reasonable profit margin.
Purchase goats to rear and resell
I grew up in Nakuru within the Rift Valley province in Kenya. I am married with two kids who are in lower primary school. I do farming in Kabazi in Nakuru. I have not specialised in a cash crop or livestock but I do bits in both. I believe in hard work, and every morning to me is an opportunity to grow and learn. My wife is a house wife and we assist one another in farming.
I had, after completing school, decided to take a course in Tours and Travel at the Amboseli Training Institute. With the certificate I have, I looked for a job in vain. I tried my hand in farming and realised that farming can be paying.
Having seen this opportunity with Zidisha, I have decided to try and see whether I can empower myself economically. This is the reason today I am applying to join Zidisha with long-term goals. I was to create good rapport with lenders, and once this is done maybe they will be willing to grant me a large loan after a year or so, through which I will invest in farming.
I am a farmer and I also own a motorbike. From time to time, I offer transport using the motorbike, particularly in the evenings, where I earn considerable income. Mostly I plant maize and beans on a yearly basis.
The challenge here is that, upon planting, it takes about 6 months to harvest beans and about 9 months to harvest maize. This makes my income not consistent. I have looked for other ways of overcoming this, and I also keep sheep and sell them upon maturity. I also offer transport during my free time to supplement my income. This has ensured that at least I have a steady flow of income to the end of the year, when I sell the maize after harvest. In a month, my income is about Ksh 15,000 ($144 USD) in net, and this is what I use for family upkeep and paying fees for my kids.
My previous loan was very successful. I am on my fourth loan, for which I plan to purchase sheep and goats, as in my previous loan, for selling after some time. My business did not disappoint, since the goats I bought in December 2016 were disposed and I got payment immediately. As we approach December holidays, the demand for goats and sheep will be high. From my previous experience, I have seen that when I buy a large number, I will be able to maximise profits by rearing them for a while before I dispose of them at profit. I will be purchasing about 15 of them at an estimated cost of USD $35 each (USD $35 x 15 = $525), and after a while I will sell them with a reasonable profit margin.