I am Richard Twum from Akyem Brenase in the Eastern region of Ghana. My parents are Mr. Emmanuel Panti and Comfort Aniniwa, all from the same village. I had my basic education in the same town and later moved to Accra the capital town of Ghana to start life.

Life was not as easy but by the grace of God, I moved on. Here in Accra, I went into second hand clothing selling at kantamanto and later on I met my adorable wife with whom I have four lovely children. My wife's name is Rebecca Eduah and my children are George Panti, Winifred Twum, Kwaku Eduah and Kwasi Twum.

I was introduced to this business by a friend whom I met in Accra, he taught how to go about going for the right clothes that the customers may want or needed. In beginning it was not easy but as I grew in the business I came to understand it better.

Ghana is a wonderful country, the people are warm, welcoming and friendly. We also appreciate strangers a lot. There are so many things I could say of my country but I hope to end here.

My main business has always been selling of second hand clothing and I must say it is a good business here in Ghana. I have been in this business for the pass twenty years and still do it. And this business has helped raise my four children through school and everything. I want to move into farming as well. I have over four acres of land in my home town of which one acre is currently being used for palm fruit and plantain growing. I wish to get some finances to move into a bit serious farming on that.

Farming is the backbone of the Ghanaian economy, this ensures sustainable living in the villages as well as the cities. The income goes a long way to help take care of the family as well as the family properties.

Palm fruits are so useful in many ways, therefore, venturing into it ensures a better future for my family and the rewards are great. Typically cost involves labours, tools and maintenance of the farm in terms of weedicede, pesticede to control weeds and pest.

I am thankful for the previous load given to me and I am happy to be working with you. Today, I am willing to take on another project which has always been my work before I decided to start farming.

I have experience in selling used clothings and at this season of the year, it becomes profitable selling used clothing in our country. I have therefore, decided to go back into the business in the last quater of the year.

A bill of clothing is costing seven hundred to nine hundred Ghana cedis(GHC 700 - GHC 900) depending on the grade. Each bill of clothing consists of same product, therefore, there are shirts, ladies clothings, trousers etc. My plan is to buy at least three different bills in order to meet the needs of the various market.

This will help me, extend my clothing business and to have constant income whiles I wait for my farming to mature. It will ensure my prompt repayment of my loans.

I hope my loan will be granted as always. Thank you.