I was born in eastern province of Zambia and I grew up in the capital city of Lusaka of Zambia. I did My primary education and part of my secondary education in the same town Lusaka,after my school leaving examination i went for the compulsory military training in another town.

After the military training i went to college to study Meteorology for two years and when i graduated i joined the ministry of of transport and communication Meteorological department where i worked for 32 years and retired in 2014.

I am at the moment waiting for my retirement benefits and while am waiting for the retirement benefits iam running a small business selling groceries .

My bussiness i am undertaking is a small shop in the market i buy groceries at whole sale price and i sale at retail price.

The shop i own i sale the following items sugar,salt ,detergents, soft drinks, bread, eggs,sweets,candles,fish,beans scones, jam and many other items.

I get my deliveries from different suppliers some traders bring their items and i buy at whole sale price while for other items i do travel to other towns in order to get my supplies.

I have a lot of customers who come to buy from the shop the business does very well at the month end as most of my customers come to buy cash and when they dont have cash i do give goods to my customers goods on credit and they pay when they are paid.

I do keep broiler chickens which i also sale to my customers and i also deliver to other customers who make orders.

I conclude by saying the shop sales are very good and have assisted me to pay school fees for my daughter who is doing a three years teacher training course and also pay for school fees for my son who is doing grade nine.

I intend to expand my business so that i will be able to send my second born child to college using profits realized from the business.

I chose to deal in retail shop due to where i stay its 10 Kms from town and most of the customers find it expensive to go and buy items in town.

My costs of doing business are not very high as at the moment i spend about K2000 Kwacha to buy items and after the sales i do remain with a profit of K300 per month.

The service and goods i provide to my customers are useful to my customers because my customers save on money and time instead of going into town are able to get the items locally.

When iam given the loan i will increase the amount of goods i do sale in the shop example i do buy 25 Kg of flour,20 kg of sugar , I will increase the amounts to double as these items are on high demand.

the benefits i will get as i increase the amounts of goods i order is i will spend less on transport costs as there will be no need of me going to town to buy twice in a moth.

I expect to get a profit of K500 per month if i increase the amount of goods to sold in the shop.