Hello Lenders, my name is Daniel Barasa, a young graduate striving to better my life through self-employement, i am a very determined person, self motivated and very hard working, i am a graduate of Business education and as i continue looking for employment, i have started am Shop and M-pesa business with which i have been earning my income. I wish that my business grows to become even a company someday, and it is because of this dream that i am looking for extra finances so that my business can be able to run smoothly and serve my customers even more efficiently, so i hope you lenders consider me and walk with me through this journey. I promise you that i will invest this funds properly and will keep repaying my loans on time. And i also promise that incase of any unforeseeen difficulties, which i hope will not arise, i will sincerely log in here and explain. One day, i will look back and say, yes! Zidisha realy helped me and held my hand to grow in business. Thank you in advance as you consider my application.

I run a Shop and M-pesa business, M-pesa is a mobile money transfer service in kenya offered by Safaricom. This business needs me to have sufficient float in order to serve my customers well in terms of accepting customers deposits and facilitating of withdrawals. the funds you loan me will therefore be invested in the business as float to help me run smoothly. I have also introduced a Shop in my M-pesa so that as customers withdraw funds from their mobile wallets, they may also shop for the items and commodities that they need. The shop section for now is mainly dealing with fast moving commodities such as sugar, salt, soap, flour, cooking oil, body lotions and oils, rice, detergents, etc. Am hoping that as i keep moving forward with Zidisha, i may introduce even more commodities.

First, am happy to report that with the previous loans i have been getting and the resulting profits that i made, they have enabled me to introduce a new retail shop section in my business where i sell fast moving commodities such as sugar, rice, flour, soap, coocking oil, etc. Therefore, for this loan that i am sourcing, part of the money i will invest as working float in my Mpesa mobile money transfer section where customers will be able to deposit and withdraw funds to/from their mobile wallets, and i will earn commision for facilitating those transactions. Part of the loan i will use it to buy more stock of commodities from wholesales and re-sell them in my shop at retail prices in smaller quantities and hence also make a profit margin. The profits that i will get will still be re-invested in the business and also pay for the loan, part of the profit will also be used to cater for my living expenses and pay school fees for my brother who is completing his O-level in November this year.