am a graduate and completed my degree course in bachelor of agriculture in the year 2009 and after long search for a white collar job without success l opted to start an agro-vet business in my home area.this is because the area is agriculture based and most of the residents are farmers. l do re invest most of the earnings to the business and do support my siblings in paying for their school fees.the business has grown very fast and am hoping to open a branch in molo market since its also agriculture based.

The business is very viable and mostly because of the high demand of the products.Njoro is agricultural based area and the residents do farm fresh produce,wheat, maize and beans and do livestock keeping hence the reason for the demand.l normally make ks 45,000 as net profit this is due to high turnover of the sales and to the fact that my prices for the products are very competitive.although there is a lot of competition l have loyal customers whom l not only do business with them but take time to advice them on the farming and products since l have the knowledge on agricultural. l also participate on field day organized by the ministry of the agriculture to educate the farmers on modern farming methods and this is how l give back to the community.if advanced with the loan l will be able to add more stock hence meeting the demands of the customers and empowering more farmers with the agricultural knowledge.

Helloo lenders, I would like to thank you for the financial support that you have rendered to me. It has been of great help as it has made me to be able to meet some of my daily chore without much strain.

With the previous loans, i have managed to assist my family members in uplifting their standards of living to a greater extent through the projects.

I would kindly like to request for the next loan which will assist me in this rainy season. I am planning to engage myself in intensive planting of potatoes before the next rains.

Potatoes are proving to be a rare commodity and through your financial support, i will be in a position to farm and make a good fortune. I will try to make it available as it is also turning to be in demand in many restaurants in preparation for French fries and the local food.

Below is an outline of the few things i need and their costs

IRISH POTATOES GROSS MARGIN

Output= 70 bags of potatoes@ 20 dollars=1400 dollars

Variable cost

1. Ploughing. 40 dollars

2.Harrowing. 18.5 dollars

3.Ridging. (10men @25dollars) 250d

4.Seeds 8 bags@35d. 240d

5.planting 8men@25d 20d

6.Earthing 16 men@25d. 40d

7.Ridomil 1kg. 25d

8.Spraying 2men@25d. 50d

9.Harvesting24 men@25d. 60d

10.Grading 4workers. @25. 10d

11.5% contigencies. 28d

TOTAL VARIABLE COST. =698 dollars