Hi team zidisha, I greet you all in the name of our Lord Jesus Christ. My name is Lawrence Kalumbwa, I am 28 years of age and I completed school in choma southern province. Life was inherently difficult due to uncomfortable factors, systemic pressure and personal callanges. I use to struggle to pay school fees because of irregular income and I was once expelled from school reason of tuition fee. Such experience made me feel shame, confused and lost, but that didn't not discourage me because I had to adopt a growth mindset and believed in myself and perseverance.

How I started my business was after I got expelled from school. I started doing pieceworks, I could slash peoples compounds, lift heavy objects just to raise capital. Then after achieving a small amount of capital, I started business as a student of data and selling airtime, you know people buy data every day. I became a reseller and sell at a cheaper rates in order to make a quick profit. It was with the help of my class teacher Mrs Kanyembo who showed me a list of profitable small business ideas which helped me get started while schooling with just a small investment after settling my tuition and school fees and got allowed back to attend class again. I even started learning other business ideas that did bring me income and allowed me to earn while learning at school.

When I completed school, the business of selling data and airtime had already grown so I decided to continue with the hustle by adding more ideas. Now I even sell simcards in a mobile booth and I perform money transactions. I also offer services such as registering agent simcards, exchange flots with other fellers whom we are in the same industry.

I choose this type of business reasons, this business is the set up easy and money can be obtained from any booth of which the booths are plenty more than banks. The other reason is that a booth can be set up on a bus. Indeed it is a easy hand off business because you can even employ someone easily to manage the business whilst you sit and relaxing. All you need to do is cashout and cash in of the same capital recycling and increasing.

My profit is mainly used to purchase simcards and top up on my mobile money booth capital for it to be growing every day. I also use it it to include profitable mobile booth models like food kiosk.

I want these funds first to be used to cover school tuitions for my children's without interrupting family cash flow. Then second I want to use these funds to buy a solar panel for my home, I want my family to have reliable light for evening studies and small home business such as, selling water sachets, freezet, ice cream and sausage.

All related purchase receipts, supplier invoices and accounting ledgers which will demonstrate transactions will be attached to my next project after completing this one for your view. I am so certainly sure that the inventory that will be made through these funds will successfully stabilize my business cash flow and allow me to make this loan repayments on time.

Thank you for your continued support of my business!