I`m Douglas Matheri,married with one hundsome son.I come from a family of 2 sisters and 7 brothers.I currently stay in Kitengela.I`m a driver, and a businessman. I started business when I realized my monthly salary could not feed my family.I decided to open a shop for my wife to supplement my income.We re invest 30% of the profit back into the business and use the rest in sustaining ourselves and settling expenses and bills.I like reading newspapers and traveling for leisure.I look forward to going back to school for part time studies once my business is stabilized.

Since I have existing business shop for selling common basic commodities,and I`m also employed as a driver,I`ll be able to afford and settle the loan.The shop I own is run by my wife and I opened it in January 2014.We sell majorly basic goods like salt,sugar,soap,floor,cereals,vegetables,cocking oil,onions tomatoes etc.I also started driving in 2012 and is on a long term contract basis.There`s demand on goods I sell because people use them in daily consumption,the demand is available.I also enjoy some sort of monopoly as I sell some products which are not sold by other competitors like cereals which are not easy to find.I do offer variety of products and have got good customer relation hence able to sustain them.Business is profitable because I buy in wholesale and sell in retail.My business has risk of climatic changes which make some products unavailable like cereals during some seasons yet demand still persist.My business normally have costs of about $80 ,with a return of revenue of about $170 leaving me with a profit of around $90.I also earn $120 from my employer where I work as a driver.Since I`m employed and earn some money every month,I can afford to repay the loan promptly.

When I get this loan,I'll buy more stock of highly demanded goods which normally get finished very fast.Fast moving cereals is one area to be considered given that getting cereals is not easy.These products will be sold and profit margin per day will have increased.Part of the money I'll use in renovating my shop to increase my publicity and attract more customers.The more the customers I'll have means more sales.My request need to be supported because I lack funds to do all the above merits because of expenses at the end of the month which normally consume much from budget. I could only afford to do it bit by bit which now I'll use in repaying the loan.I tried our micro institutions, they require what may take me two years to meet.I want my shop to be a wholesale in the near future and supply regional shops with products.A journey of a thousand miles begin with a sungle step.I look forward for success only.