My name is jane kajuju from meru county. am a single mum of one daughter. I work on a contract basis with American University Abroad kenya exchange program as a meru county representative. Besides i do business in clothing both new brand and second hand clothing also i have a small consumer shop at home katheri which i run myself since am near.the one for clothes i have someone who runs it as i send the commodities and i visit the place at least twice a month, The business is based in Mikinduri market 30kilometers from Meru town. I chose the place due to rapid economic growth, good infrastructure, a little bit secure and a conducive business environment the inhabitants are welcoming and friendly.

I have a diploma in social work from a recognized institution. i started the business because i needed extra income to cater for my needs.

Currently the business is able to cater for itself, fund my small scale farm which is located at mikinduri area, it caters for two rental houses that is my employee residence and business premises. it also caters for our basic needs and pays fees for my daughter

the business is capable of repaying the loan because its doing well, it keeps improving as time goes and i have not experienced any loses for the last four years. currently these are some of the running cost and expenditures from the business

1. rent both for residential and business premises-150 us dollars per month

2. basic needs-200 dollars per month

3.school fees-200 dollars per term equivalent to three months

Other sources of income i get from the small scale farm

the goods as i said earlier are new and second hand clothes and shoes. i get them from Nairobi to the business place at mikinduri. i chose both the new and second hand in order to meet the needs of all customers irrespective of their social status.

my business is profitable because i stock a variety which is affordable to all my clients. i excel in the competition because i chose what is trending latest in the market, i have goods of high quality and at affordable price.i have not incurred any risk so far but the most common is fire and theft.

i shall use the loan to invest in my business by opening up more branches in different parts in Kenya.

about my small consumer shop which i run at home i will post its picture here its very new and that's why i need to run it on myself so that i may get to understand how its doing,the capital i started it with was from my small scale farming at home.so far the shop is doing good,which am planing to add the stock once i get this funds from zidisha this being my second loan.

Since this will be my first loan will use the money to add the current stock,I will buy the bit of new Clothes,a few pairs of shoes,and some second hand tops for ladies.

The money will be of great value because, after the back to school period, I had spent a lot,therefore the loan will boost back my business.

and since in my place of business, this is the pick season of the business. The inhabitants do lot of farming and the harvest is due and all types of businesses do well this time.

Personally I would be very happy if I could be having. New. Stock at this moment.