I am 23 years old and has been for long interested in entrepreneurship. Currently I am staying at Gachororo in Juja, Kiambu county where I have resided for the past 4 years. I have a humble background of 2 parents and seven siblings. I am the 3rd born and was privileged to obtain tertiary education which has drained much of the family finances and my younger siblings who are in tertiary,secondary and primary levels of education also inspire me to be independent and reduce reliance on my parents. In my secondary school I used to sale food products such as Avocado and groundnuts which I obtained cheaply from our home which enabled me to obtain pocket money for my studies. I studied a course in food science and technology during which I got an attachment in a milk industry and my association led to a business linkage whereby they sold to me milk products at wholesale price and I distributed them in student hostels at a retail price. I expanded the business to include other retail traders thus increasing my stock and returns. I and wish one day to own a food industry or own a chain of food distribution networks in Kenya. I am hardworking and believe that my different abilities will help me to be successful since the culture of the Kisii people of being aggressive and hardworking has been incalculated in me.. I have diversified skills i.e in other areas such as driving and knowledge in areas such as Information technology. Other hobbies I have include reading and writing for pleasure. I suppose to integrate this skills in my life to make a living and be a blessing into humanity.

I have been engaged in retail of fresh milk for the past 2 years and has recorded success through distribution to various customers. I obtain my product from a dairy industry and deliver them to my retail customers which allows me to make some sustainable profit returns. People need fresh milk for breakfast and as a refreshment. The products are in high demand during sport events and holiday sessions i.e December but all the year through people need constant food supplies.I chose these kind of products because it was in line with my course of study. I receive competition from well established companies which deliver their milk products directly through their employees. I could like to diversify the products I sale and not only dealing with fresh milk but including yoghurt, fermented milk (mala) cheese and ghee. I also need to buy a bicycle to make my expenses cheaper unlike using public means of transport which charge highly. This will enable me to increase my stock and reach more customers allowing for an expansion. Currently I supply milk to retail traders and sometimes to individual customers to increase my daily sales. I spend 900kshs to buy my dairy products every day which enables me to make profit of up to 300KShs in a good day`s sales. during peak times, my daily profit can reach 500KShs while at worse moments I can make 30Shs. I use my profits for reinvestment in growing the business and in sustaining my livelihood.

I will buy a mini-laptop at 170dollars for use in online freelance writing services. I will Use 5 dollars in buying Safari com bundles for use in browsing as I do the online freelance jobs. I will use 30 dollars to increase my stock for the clothing business which will help engage my brother in a beneficial activity. With the online freelance, I will be able to buy an account and employ people through which they can make a living. The businesses will help me to pay school fees for my younger siblings and also in growing the businesses. The online freelance writing enables me to write up to 10 pages per day wherein the charges are 2.5 -3 dollars per page. With this rates I can make profits of up to 27 dollars after removing charges for internet acquisition. I request that the deposit be removed from my next loan application because this will enable me get enough finances to buy a laptop. I wont be able to buy a laptop if I get only 3.5 dollars if the deposit will be cut from the same money. If this can not apply, please lend me a loan of 400 dollars from which you can cut the deposit but still get enough money to buy a min laptop. I request that you allow this as a special request. I am ready to repay the amount plus the deposit if granted the above money though my loan repayment rates had gone as low as 82%