I am Joseph Ochieng' Otieno born 1993 in Siaya county, Rarieda district, Uyoma South location,Ndigwa sub location.I am the second born in a family of 7 children. I went to Nyabera primary in 2008 ,got good grade and went to Nyabera secondary school and did kcse in 2012 and I performed fairly. I got married in 2013 and God blessed me with2 children.The first child would like to be a doctor in future dates and the second born child would like to be a teacher. In 2014,I went to Bondo town to search for jobs which were sufficiently available. I joined Mophata building and construction company as helper and still working update as well trained and experienced fundi under painting, wall master and other structural beautification of buildings. In Ndigwa village, we experiences perennial heavy rainfall per annum which is suitable for farming and keeping of livestock for domestic and commercial purposes. During my free time, I usually goes to church on Sundays to attend mass ,singing hymns, after church watching videos and various television programs.

In Bondo town and its environment, there are so many construction of premises, schools, stores,offices within the country and other structural activities under Mophata building and construction company. These premises require painting, spraying, various structural decorations and homes beautification of houses. I am paid under this company currently as fundi.I got this job after tarmacking for several years without earning money and the family members are gradually increasing in number.With the little money I receives,it is used to purchase food, clothes, paying school for the two children in primary school, fare for going to work,purchase of painting materials, tools,paints and settling other family and work expenses.I am glad having heard and educated on the zidisha lending platform,its merits as compared to other financial institutions in the country.Also I am willing to partner with zidisha team to increase my financial status, improve living standard of the family, educate my shelf and the children,to create a awareness in the community to bridge the gap between the rich and the poor class.

Thanks so much for accepting my loan request. Disbursement of this loan will help me to pay the remaining school fees balance for the two children in school in the course of the last term of this year at a cost of KES 2100, and buying some stationery items for the children required by school administration at a cost of KES 350.This will help me to settle remaining balance and income got will be used to buy food, clothes, paying family and work expenses, catering for hospital bills. It will also increase my monthly savings and eventually improve living standards of the family members. Thanks so much for the financial aids.