I am a single male aged 24 coming from an humble background. I come from a family of seven. currently i am a student of chuka university taking bachelors in science of community development. i also work as a volunteer teacher in ndagani high school where i teach in the evenings. i started the grain selling business to raise money for my school fees and also to help the community from exploitation from unscrupulous traders who hike prices for these foods especially during the drought period to make super normal profits. the income i get from these business i use to pay my university fees and and pay school fees for my younger siblings with the rest. at my free time i visit the children's home in the county where i offer free counseling and motivation talks.

STOCK TO MY GRAINS BUSINESS

I own a business of grains selling. i buy the grains such as: maize, millet, sorghum, beans and cow peas and then transport them to drought striken parts of tharaka nithi county to sell them to the people. my customers like my business because i transport grains to their door steps and they buy it at cheap prices. my customers prefers me because i am convenient to them and cont-rally to by competitors by sell the foods at an affordable prices. the business is profitable because i buy the grains daily and transport them hence there is a high stock turnover. the only risk that the business faces is lack of goo roads where a motorbike can pass and this has made me to encounter many slow punctures on my way. my business make has a montly costs of 352.94 US dollars. the sales are 467 US dollars. i make a profit of 114.06 .

as the economy of kenya keeps on deteriorating, it becomes difficult for young people in the country to prosper in terms of entrepreneur sector. the banks in kenya need securities so as to offer loans like tittle deeds, logbooks and others. logically many youths in the country do not have such co laterals to be given the loans. even if they are given by the SACCOs they refund the money with high interest rates which keeps on exploiting them. but this is not the case with zidisha which empowers the people to be financially independent. i feel this is a good chance for me to assist the society through business from the zidisha loan.

given this loan, it will help me to purchase grains and repair of motorbike. i will use the money to buy the following.

1. purchase of 135 kilograms of beans - 25 us dollars

2. purchase of 200 kilograms of maize grains - 70 US dollars

3. purchase of 25 KGs of millet, 30kgs of sorghum, 25 kgs of cowberries- 25 us dollars

4 repair of motorbike - 30 us dollars