My name is Fidel Kessie. I am 24 years old. I come from Volta Region. I was born the second of September, 1992 in the village called Denu. My mother’s name is Innocent Kushiator and father Kessie Patrick. My mother is a trader and father also a mechanic. Life was very rough for my parents so I couldn’t stay with them for long.I began my elementary education at Ampabame Roman Catholic School. I had my Junior high at Nsawam M/A School in 2010.I had my senior high education in Volta from Jown school in 2013. Because of financial problem I could not continue to tertiary. I came back from Volta to Kumasi where I stood with my Elder brother. I came to serve him and later made me the store keeper of his provision store. In the later part of 2014 my brother’s provision store burnt up. It became very tough for him but however he decided to revive the business. He revived it but because of that incident made him not to have interest to continue. He sold the store out. I worked for a while and made a container store and trade in some stuffs(provision). I begun with small capital and I met Zidisha later. Its going on well

I render sales of provisions such as sardines, Mackerel, Milk, Biscuits bread, Fruit and energy drinks, sachet water etc. It is a multipurpose business, I also sell pampers, T. Rolls, detergents, soaps, underwear’s (Singletrees, boxer shorts etc), MTN network credit transfers and cards, Vodafone, Tigo, Glo network credit cards. Food has become a necessity for survival to humans and besides you can’t live without it. Sometimes at afternoon and evening hours you can’t get food from the locality, one may come to get a drink and some biscuits or pie. I chose this business because these stuffs do not spoil easily; you can keep them for a while and sell before they expire. Sometimes too at the afternoon hours because of the intensity of the sun, one may need a cool drink to quench the body temperature.

My typical cost is transportation, maintenance of the container, electricity bills and the food stuffs. My revenue comes when the items are sold at the bought price. Also the variety of services such as the Network credits yields profit. I will invest 68%, . 20% as savings. The remaining 12% for home and self use. Thank you.

Loan Proposal

I wish to apply for loan in your outfit. I need this money to invest and expand my retail provision store. Even though it is a provision shop basically but I want get much more profit so I decided to add also the sales of others such as kids and adult pampers, Toilet Roll soaps, boys/girls singletrees, boxer shorts, pants, T-shirts and others. I have added network communication credit transfers and cards, Human need food to survive. Such foods are already made and directly eaten when bought, it does not require cooking. Afternoon hours when the sun is heavy and temperature is hot, people comes for soft cold drinks to give them relief. Food is scarce in the locality so my shop avails foods for them to access especially at the evening. It obvious that most spinsters and bachelors are lazy to cook so I made available of this business to meet their requirement in terms of food. This business type is good for me and do not spoil easily, it can be kept for re-sale before expiry date catches them.

I will buy things sardines, Mackerel, Milk, Biscuits bread, Fruit and energy drinks,soaps. I will also add credit cards such MTN,Vodafone and Airtel/Tigo credit cards.

Thank you