I am Eric Agyei Tuffuor a self employed person that trades in the second hand clothes across some various regions of Ghana. I am a graduate of the sunyani technical university and graduated with a Higher National Diploma program in an Electrical and Electronics engineering with a second class upper. After the technical university,I did my national service as a teacher at keniago junior high school where I taught subjects like science, religious and moral education, social studies and that of the Ghanaian language popularly called the *Twi* in our local dialect. After the national service, I went to the university of education winneba at kumasi campus where I was offered a sandwich program in education

but couldn't complete after the

first year because of financial problems. From there, I entered into business where I started selling second hand clothes and business was good I must admit. I did this business for quiet over four years after which I traveled to the United Arab emirates (UAE) which is close to two years. I decided to come home to continue my second hand clothes buying business of which business haven't been so bad but its growing gradually day in and day out. I really appreciate your efforts and support for businesses and a hard working personnel. I am a hardworking person with a good human relationship and a family man with two kids. I am thirty five years of age and a male.Like rice and soup as my favorite food and football and volleyball been my favorite games with Liverpool as my favorite team in the world. I also like reading and listening to music.

Trader that sells second hand clothes across the regions of Ghana. Business has been good ever since I return from the United Arab emirates. I normally buy these clothes from the wholesalers and sells them witnin various markets across the country. My source of income comes from the money I saved when I was at the United Arab emirates and also from the reputable firm zidisha loan application. My business is a self employed one with the aim of achieving a higher income and planning to be a successful business man and a second clothes dealer as well. I am currently expanding my business by increasing the clothes that I purchase every week and with this business and profit keeps on increases every week. Business has been of useful help to me and I must admit that I am doing well and with the help of zidisha.

Before I proceed, I would like to the first of all thank you for the loan giving me to me previously and I really appreciate your efforts to support we the less privileged people in order to be on our feet so as to cater for our family and other needs also to be independent of ourselves. My loan has always been used to purchase the second hand clothes by investing in it through which I will be able to increase the clothes business and to increase my profit margin through the clothes I buy and sells. The loan will be used to buy more of the second hand clothes as Christmas is approaching the demand for the second hand clothes is of a higher demand and it will help me to sells more of the second hand clothes through this festive season so as to increase my profit by acquiring more clothes in order to sells to the people around the various regions of the country. I know that my loan proposal will be approved by your firm immediately so that it will help me to expand my business and to take care of my family and other needs and I promise never to disappoint you. Thank you team zidisha, thank you lenders.