My names are Fredrick Ng’ang’a Kamau, 28 years old from Kenya, am currently residing in Makongeni Estate, Mwangangai’s Apartment, 1st floor house no. B6, approximately 5 km from Thika town.

I am a holder of Diploma in Business Management and I have acquired skills and knowledge in ICT, in relation to that I am God fearing and holds Godliness and Integrity as my main core value both in business and in life.

After college I was unable to secure a good job as my wishes were, so I ended up being employed as a hotel attendant for a period of 3 years. During that period I managed to do savings from my salary which enabled me to start a small business of selling animals feeds and Agriculture inputs in my area. The reason that prompted me to start this business was due to scarcity of this nature of business in my locality hence resulted to farmers experiencing problems and challenges in accessing animal feeds and inputs.

As a young entrepreneur, I have a vision of establishing dynamic and successful businesses in my locality and nation wide.

I also believe in capacity building to marginalized and the needy in the community by providing to them a means of income generating activities which will sustain them in life and become self reliant.

Am running animal feeds and Agriculture inputs business, the reason why I ventured into this business was due to limited type of this business in my locality which resulted to farmers having problems to access animal feeds and these agriculture inputs.

Through my humble financial input to this business and by the fact that i buy animal feeds and these inputs direct from the distributors, it has become possible and easier for farmers who are my major customers to access them at a very affordable and competitive price.

From the time I started to source products direct from distributors the demand has been very high due to competitive and reasonable price I give to my customers. I normally buy a 90kg bag of Maize Jam at 12 dollars and sell it at 18 dollars compared to other sellers who are selling at 20 dollars.

I have been experiencing challenges of not meeting my customers’ demand due to limited finances and resources.

I appreciate Zidisha loans since it will boost my business in terms of stock and hence meet the rising demands from my customers.

I invest in this business not only because of the returns I get from it but also due to the great impact it is causing to farmers who are my major customers.

Dear esteemed lenders and Zidisha team. Thank you for giving me an opportunity to serve as Volunteer Mentor for Zidisha Community. I appreciate the cooperation from my assigned members so far.

Again I wish to thank you for my previous loan through which my sales were up 25% over the past months hence raising my profit margin tremendously. We believe by been partners with you and definitely our capacity will be built stronger.

Am glad to inform you that I was appointed as a distributor of animal feeds in my area by one of the top manufacturing company in Kenya. This venture will require approximately USD 2500 to be achieved. Am planning to use my savings and the remaining amount am looking forward to be funded again by the esteemed Zidisha lenders.

If granted this loan, I intend to use it as follows:-

1). To pay Authorization Permit for distribution @ USD 225

2). Purchase of 10 bags of Chick Mash @ $ 29 = USD 290

3). Purchase of 10 bags of Growers Mash @ $ 23 = USD 230

4). Purchase of 10 bags of Layers Mash @ $ 25 = USD 250

5). Purchase of 5 bags of Afya Dairy Meal @ $ 14 = USD 70

The remaining will be used to pay for transport and labor.

This will increase my profit margin with approximately 45% and enable me to employ 2 people who will be earning a living from it.

I call forth Zidisha lenders to sacrifice and fund my project and promise not to fall in arrears and based on my historical record of 100% on time repayment, you will be persuaded to offer me the requested amount.

Thank you in advance.