ON THE 15TH DAY OF XMAS WAS ONE OF MY SADDEST DAY. ONE AFTERNOON I WAS COMING FROM TRAINING WHEN I HEARD PEOPLE SHOUTING HELP HELP THE HOUSE IS BURNING. TO MY SURPRISE IT WAS OUR HOUSE THAT HAS CATCH FIRE AND UNFORTUNATELY FOR MY ALL OUR HOUSE IS ON FIRE,EVERYTHING GOT BURNT INCLUDING OUR CARS,OUR PROPERTIES AND MY SCHOOL UNIFORMS,SCHOOL BAGS AND MY BOOKS ALL GOT BURNT. MY PARENTS WERE VERY WEALTHY AND BECAUSE OF THIS TRAGEDY THAT HAPPENED COST THE DEATH OF MY DAD AND MY MUM TOO IS TOO OLD TO WORK. I WAS THE ONLY SON AMONG MY PARENTS WITH 2 FEMALES SO DEFINITELY I PUT IT TO MYSELF TO TAKE CARE OF MY FAMILY BECAUSE WE HAVE NO ONE TO RUN TO.AT FIRST I STARTED GOING HOUSE TO HOUSE TO SHINE PEOPLES SHOES FOR THEM TO COLLECT MONEY. WHEN I GOT SMALL AMOUNT I USE TO BUY HANDKERCHIEFS, TOFFEES AND OTHER THINGS TO SELL IN A STATION AND IN FUNERALS PLACES. IT WAS THIS PETTY PETTY WORK THAT I USED TO DO TO ASSIST MY FAMILY.BECAUSE OF THIS SITUATION THAT I FIND MYSELF INTO I FORGOT ABOUT MY EDUCATION IN THE EARLY AGE. ONE DAY WHEN I WAS AT THE FUNERAL SELLING MY GOODS ONE MAN BOUGHT A HANDKERCHIEF FROM ME AND WHEN HE WAS ABOUT PAYING ME HE SCREAM WOW WHAT A BUSHY HAIR. IN FACT I WAS ANNOYED AT THE FIRST TIME BECAUSE THAT WAS A PUBLIC PLACE AND IF I DONT TAKE CARE HE WILL DISGRACE ME IN PUBLIC BUT HE QUICKLY TOLD ME TO COME TO HIS WORK PLACE WHICH HE WILL SHAVE MY HAIR FOR ME BECAUSE HE WAS A BARBER. WHEN I HEARD HE WAS A BARBER I SMILED TO HIM SO THE NEXT DAY EARLY IN THE MORNING I WAS THE FIRST PERSON TO ARRIVE AT HIS WORKING PLACE AND WHILES HANGING AROUND AND WAITING FOR HIM SOMETHING CAME INTO MY MIND TO SWEEP THE PLACE FOR HIM SO I TOOK HIS BROOM AND STARTED SWEEPING THE AREA NOT KNOWING HE WAS STANDING SOMEWHERE LOOKING AT ME SO IMMEDIATELY I FINISHED SWEEPING HE HOLD ME AT THE BACK AND SAID GOOD BOY, SO HE SAT ME DOWN AND ASK WHY A BOY AT MY AGE NOT BE IN SCHOOL, WITH TEARS IN MY EYES I TOLD HIM EVERYTHING AFTER WHICH HE ASK ME EITHER I WILL LIKE TO LEARN BARBER WORK AND I SAID YES. SO I WAS WITH HIM LEARNING THE BARBERING FOR ALMOST 7 TO 10 YEARS WHEN I REALIZE THAT I HAVE GOT ALL THE EXPERIENCE AND TACTICS AND GOD BEEN SO GOOD TO ME I WAS ABLE TO RAISE SOME AMOUNT TO START MY OWN BARBER. I WAS LUCKY TO GET A NICE AND VERY BUSY AREA WHERE PEOPLE PATRONIZE MY WORK.PEOPLE LIKE GOVERNMENT WORKERS, CASUAL WORKERS AND STUDENTS ALL COME TO MY SHOP BECAUSE I ALWAYS DO A GOOD WORK FOR THEM. I HAVE NOT PLAN ABOUT CHILDREN FOR NOW BUT IF I GET MARRIED AND GIVE BIRTH I WANT THEM TO BE EDUCATED.I LIKE FOOTBALL AND TABLE TENNIS.

I AM A BARBER SO I BARBER PEOPLES HAIR,PEOPLE LIKE GOVERNMENT WORKERS, STUDENTS AND CHILDREN. THE WORKERS HERE ARE ALWAYS BUSY AT THEIR WORK SO MANY CALL ME INTO THEIR HOMES TO BARBER THEIR HAIR FOR THEM.I CHOSE THIS BUSINESS FIRST OF ALL BECAUSE OF MY AFOREMENTIONED SITUATION AND I BECAME PERFECT IN IT AND I LIKE IT.

EVERYDAY I CAN GET AROUND GHC 20 TO 40 SO THE MONTH WHEN I SERVICE MY MACHINES AND PAY MY UTILITY BILLS I CAN GET AROUND GHC 200 TO 300.I WILL USE THE LOAN TO REINVEST IN THE GROWING OF THE BUSINESS.

HELLO MY LENDERS I THANK YOU ALL FOR BEEN HELPING HAND TO ME FOR MY FIRST AND MY SECOND LOAN BEEN GIVEN TO ME AND I AM ALSO HAPPY TO BE FAITHFUL TO YOU ON MY REPAYNMENTS.I AM HERE AGAIN TO APPLY FOR MY THIRD LOAN AND THIS TIME I WANT TO USE THIS THIRD LOAN TO ADD A HAIRDRESSING TO MY BARBERING SHOP.I HAVE REALIZE THAT MANY LADIES COME INTO MY SHOP ASKING TO DO THEIR HAIRS IN MANY STYLES SO I HAVE PLAN TO GET A LADY WHO WILL ALSO TAKE OVER THE HAIRDRESSING SALON SO THAT I CAN HAVE MORE CUSTOMERS AND I AM HOPING WITH MY FAITHFULLNESS TO YOU I KNOW YOU WILL HELP ME THIS TIME TOO.THANK YOU ALL.