I am Owusu Berchie, holder of Bsc Management degree and HND Marketing from the University Cape Coast and Sunyani Polytechnic respectively. I am also a staff of National Health Insurance Authority - Asutifi Office. As a child, my Dad who was an Agriculturist and the only breadwinner of a family of eight, wanted to see me go higher on the education ladder but unfortunately he passed-on few months into my final senior high school exams. I wrote my final exams whilst the remains of my father was still in the morgue. I knew education was my only way out and thankfully, in the midst of all the difficulties, I made it to the Polytechnic and subsequently to the University. I started my MTN mobile money transaction when a friend of mine educated me on business and its potential growth. I have a three year old daughter called Fiona and my dream is to see her become one the best layers of her generation. I have set a monthly contribution for her education fund towards her higher education. The fund can only be assess by her when she attains eighteen years. Football is my passion and the beautiful game takes greater part of my pastime. Watching Game Of Thrones is also one of favorite leisure hours and ardent fun of Manchester United.
My business, the MTN mobile money services is a mainly transfer or receipt of fund through mobile phone. The operation is done offline and you only need a registered chip from the network provider (MTN) and cash deposit to start the business. The more funds you have in your mobile money wallet or phone, the more you are able to do more transactions and the greater your profit margins. Profits or gains are generated by the number of transaction you do per month. The service is currently booming in my country as seven in ten adults currently send and/or receive money through the service which is also helped by the large mobile penetration in my country. The growth potential is also enormous as additional services such purchase of government treasury bills and mobile savings breaking new frontiers. I plan to do my Masters (second degree) once my business is well established and new branches opened.
My life have seen tremendous improvement since joining team Zidisha and I will continue to be indebted to all those kind people whose moneys have funded my business and seen it grow abundantly. I am here again asking for your support to begin another venture and nurture it into new heights. My intention and vision is to enter into the Barbering Salon and create a venture where men in my community will have a very well matured place to come, relax and have their hair shaved. I plan to add women hair do when the business is well place but for a start-up, I will start with men shaving. I am already in discussion with a landlord to rent a room and kick-start the business. The listed items and their associate cost below are what I am generously seeking funds to purchase or acquire for my new venture:
ITEM COST
• Rent for six months USD$198
• Six Clippers for Shaving USD$132
• Two Sterilizers USD$74
• Furnishing USD$340
Total USD$744
As indicated in the above, a total of USD$744will certainly be enough to start my project and realize the vision. Initial two people will be employ for the start of project and hopefully increase the number to six when the project is fully functional and ladies hairdo and other accessories are added.
My projection is that within two months when the project takes-off, I will realize a profit of USD$170 a month when all expenses including salaries of my staff are paid. This, I expect to double to about USD$350 monthly by six months of its opening. I plan to re-invest all extra proceed in the project and further branch into other areas like pedicure and manicure in the near future.
Humbly, request your help by funding my loan proposal and I will continue to stay true to my commitment as I have always done. Thanks for your support.
Thank you.