I am a citizen from Kenya aged 27 year of age by the name Samuel Kagiri and a teacher by profession, I was born in year 1984 at Solai which is in Rift valley in Nakuru District which is now Nakuru County, I later joined a nursery school in 1990 but eventually I was graduated to class one because I was very clever, I started my primary education in year 1991 at Solai Primary school up to class two after we migrated to Nyamamithi and I was transferred to the nearby school at Mirema primary school where I joined class three and completed up the class eight and sit for my Kenya certificate of primary education(K.C.P.E) at the same school in year 1998 and managed to get 410 marks out of 700 being the first one in our school, due to school fees problem I was not able to joined a secondary school as the other joined at February and I was forced to stay home for five month but at the mid of second term I was lucky at joined one of the best secondary school in our District by the name Kisanana Secondary School which is at Koibatek and with a lot of effort so as to catch up with the others, I continued with rest of the classes up to year 2002 where I sat for my Kenya Certificate of secondary education (K.C.S.E) and managed to get a mean grade of B plain of 67 points. Later after completion of my education I started farming within our area waiting for university intake , only to be shocked, the university grade pass mark was 69 points compared to mine which was 67 which made me to loose hope of life and my mind was telling me to repeat, but at the same year I was invited to joined HighRigde Teacher Training College for P1 teachers and out of will I was forced to joined thou I lacked school fees, I got a well wisher who supported me in paying the fees, after completion of my training , I was employed as a teacher for two terms in Jamuhuri Primary school at Solai which is a public school, from there I was employed to various private school one being St.Peter & Paul Academy at Kiptagwanyi for about 1½year and currently I am working at Solai Academy being a teacher. I have a wife who is also a teacher but not employed who worked in our bookshop and we have no kid for we are new couples. I am a Christian and an active follower of Catholic Church within our community. I live at Kamukunji at Solai in plot No 179 house No 4 where I still own a business.

MY BUSSINESS A BOOK SHOP

My business is entitled by the name Flamingo bookshop and photocopy, it is located at Kamukunji trading center near Patel plantation which is around five kilometers from our next trading center Solai Center and our nearest town is about 31 kilometer from Kamukunji which is Nakuru town, twenty kilometers to Maili kumi junction on Nakuru – Nyahururu highway toward our town Nakuru, which is the major town in these area. My business was opened in March year 2010 after I borrowed some money from our group which is Dafki Self Help Group in year 2010. My business include selling stationeries e.g. new test books ,exercise books ,pens, pencils, chalks, foolscaps, office glue, all sizes of envelopes ,photocopy papers, examination papers all sizes of laminating papers etc, and a complete set of computer type Dell with a speed of 256 and a memory of 40GB I also have Hp photocopier and a lamination machine which help me in running the business, recently I bought a EPSON machine worthy thirty five thousand(ksh35000) and a SAMSUNG digital camera worthy eleven thousand(ksh11000) which will help me in taking photos and producing them using my EPSON machine, during these December holiday , it also include photocopy service, lamination, type setting and scanning. The business is a sole proprietor but I have employed one young man to assist my wife who is my trustee and she is also the manager to the business my business have a stock of about one hundred and eighty thousand and following these I have insured it. Insurance will ensure support for any risk e.g. fire, theft which may occur, for compensation I have coved my business with AMACO insurance company also the bissines have been under the county council of Nakuru thus making it legal, I proposed to start these bissiness after public demand and by my own observation in that area there was no bookshop within the area and people were forced to move to Nakuru for their shopping. The business Is profitable because I am a teacher thus allowing me to supply exicisebook in place of work and other services to neigh by school in large quantity, also the business is located at a strategic position and is well know to many people in that area, main challenge facing these kind of business lack of enough capital to satisfy the demand.

Dear Lenders,

I hope are all doing well. I am doing well as well as my business. We just closed school and here comes another long holiday that runs till January. I am hoping to take advantages at the pupils who are at home. I a planning to use the loan to start a tuition for junior pupils. I will use the loan to rent rooms. This will cost about 20000ksh(about 230US dollars) to rent four rooms at a cost of 2500ksh(about 28 US dollars) per room per month. Four rooms will be 10000ksh(about 114 US dollars)per month and 20000ksh( US dollars 113)for two months. The remaining amount of 22463ksh(about 255 US dollars) will be used to cater for two tutors and books to be used during the tuition. The total cost for the programme is 42463ksh.(About 483 US dollars)

The revenue am planning to get is as follows.

I am targeting 40kids per class and I will be having four classes i.e class 5 to 8. That makes 160 pupils. Each kid will pay 500(about 6 US dollars)ksh per month and for two months will be 1000ksh(about 12 US dollars). In total I will get 160000ksh(1818US dollars)

Net returns will be 117537ksh(1336 US dollars).I hope my loan will be funded soon. Thanks.