My childhood was a normal one, I lived with my parents and three siblings and also attended three different primary schools because school fees were not easy to come by. The same difficulty in paying school fees continued in junior secondary and senior secondary.

After the senior secondary, I did some petty jobs and enrolled myself in a computer training school. The knowledge I acquired I use in the company where I work now. I am planning to further myself soon. I know with the help of Zidisha I can. After working for some time in the company, I was able to save some money and added it to the little money my wife had and we started trading beauty products.

My people where I live are easygoing people and very hospitable. My daughters want to be doctors in future. I like singing and playing the piano as a choir director.

My business is a joint business with my wife and we deal in beauty products like acrylic liquid, nails, powder, nail polish, brushes, etc. These goods are in demand and useful because they are the accessories of women. All of us know that women do not take their beautification for granted; they always want to look nice or beautiful. I chose this kind of business because women spend money on them and also they buy things more than men.

Our revenue is between 2000 and 4000 cedis monthly. I can still see our location is not helping us in business, so I need to get a better store that is closer to the people. Some of the profit is used in paying school fees and other bills and some is used for reinvestment in growing the business. But I will use part of my monthly salary and part of the income from the business for the repayment of the loan.

I am applying for this loan because as a retailer who has been buying and selling for sometime now.i want to grow my business by adding different items to my stock, and because of that i have realize that my shop is small and i need to expand my shop so that it can contain more items.So i need the loan to buy hardware items like woods, roofing sheets, cement,tiles,paint to do the expansion.

Per my estimate, the woods will cost 250 usd , roofing sheet cost 145.8 usd , cement cost 50 usd , tiles cost 104.17 usd , paint cost 41 usd respectively, and workmanship will cost about 188.96 usd.

As this loan is not going to be invested directly in buying and selling it is not going to

bring any profit for now, but i believe it is going to increase my profit margin in the near future as i add more items to the shop and sell them and for me to serve my people well by selling to them the things they need and ask for.

thanks in advance for granting my loan proposal.