My name is Bernard Omondi Onyango. I have 4 brothers and 1 sister. The lady is currently sitting her high school final exam. My family and I live in Embakasi, Nairobi.

I went to Kagwa Primary School in Rarieda District. I passed and joined Makasembo High School. Consequently, I joined Intraglobal Training Institute in Nairobi. After college, I worked in as a volunteer teacher. I then started writing on a freelance basis when I could not secure a job. I bought my first laptop using my first loan from Zidisha. After article writing for some time, I took another loan and used it to buy 6 more computers for writers. I then trained and employed more writers. This worked well initially but when I discovered I could not retain writers for long due to competition even after training them, I used the computers to open a cybercafe. I want to invest more in the same business.

I also support different members of my community from my pocket. We also learn God's word every week in my house to inspire our members to look forward to a better future and work hard. In addition, I send them inspirational messages via my phone on a daily basis. People need hope to be able to transform into productive people in the spiritual and physical world.

My main business currently is offering cybercafe services. I started with the loan I took from Zidisha last year. Initially, I was writing articles online. I then accidentally learned that I can make more money in this new business. I have 6 Computers today and want to buy 10 more computers.

I will use the profits to grow the business, take care of my children's education, and support various community programs geared towards supporting the needy. I will be able to support and employ some of them.

I kindly request you to give me a loan to enable me to buy 7 computers to boost the productivity of my cybercafe. I already have 6, but I cannot afford to buy the 7 at once. They are second-hand desktop computers that are being sold at a wholesale price. Each of them is being sold at 100 USD. I will add 200 USD to get them at this rate. I expect to make an addition of over 300 USD per month, making this proposal very important to me.

In my last loan request, I wanted to buy them, but I raised only 23 percent of the required amount. I accepted the amount to get an opportunity to increase my credit rating as it dropped from 100 to 77 percent when I Iost some of my clients. Right now the business has picked up again. I used the previous loan to repair my machines.

I request once again for your support. I will have to repay the loan in time so that my rating can go back where it was before. It was much easier to get loans then. Kindly support me, and I will for sure appreciate. The supplier is ready, and he knows we will close the deal within the next few days.

Thank you.