I am Denis Odoyo and I live in Nakuru county, Nakuru town, a Pangani estate near the Agape Church. This is the place I have lived most of my adult life and a place I have grown attached to. I am a business man.

I hold a diploma in Human Resources management from the Kenya Institute of Management, Nakuru.

I started this business of selling second hand bags after losing my job in a factory that was relocating from Nakuru to Nairobi and was not able to move with us because I was a casual laborer, a job I had done for close to 2 years after completing my diploma in 2001

Having had some educational background in both management and sales I started this business of bags from the saving I had accumulated from the two years in employment.

The profits from this business I use to buy more stock and make more profit as this is the only source of money, so I have to do it perfectly well and dedicate my time on it.

I intend to open other outlets in Nakuru town and the neighboring towns like Molo.These are the places that require extra cash to be able to facilitate this expansion of the business.

Business ventures are the most viable place currently in Kenya where formal employment has gone down.Being self employed has exposed me to different experiences and an eye opener to the different opportunities in sales. So a zidisha loan will help me achieve all this.

I sell second hand bags in Nakuru county, Nakuru town, along mburu gishua behind Menengai Secondary school, near the entrance of the Nakuru Municipal market. I prefer selling second hand bags because they are fast moving. My customers say they are last longing and provide a variety as I source from different markets, I make USD 180 to USD 200sh per month as per earning. Some of the challenges are many of people have started the same business but I do have my own loyal customers who trust me and are ready to buy from my stall, am looking forward for zidisha loan to fund me to add more stock which are fast moving and open other outlets in town and the neighbouring towns like Molo.All this will be possible with the zidisha loan.

Thanks Zidisha team and lenders for the loans that are affordable and that have immensely changed my life and business. I have borrowed twice from Zidisha and paid on time because of the profitable business that I operate. Selling second hand bags and now I want even to include belts in my stock. When you fund me, l will use 300 dollars to buy bales for second hand bags, l will also buy a bale of belts that are fast moving at a cost of 120 dollars and also build shelves to display bags and belts to be seen by my customers at a cost of 70 dollars, the money that l will get from selling bags and belts, l will use it to expand my business and improve my living standard around Nakuru due to the high cost of living.