This is my 3rd Zidisha loan funding attempt.

Well, am not entirely new to the Zidisha family, but I will introduce myself once again for the new Zidisha members. I am Kenyan by nationality and my names are John Thiaro. I come from Kenya which is famous for the world-renowned athletes Joyce Chepchumba, Paul Tergat, Vivian Cheruiyot, Philip Boit and many others who have won numerous awards internationally like the Boston marathon, Olympics and so forth.

I was born and raised up in a town known as Nakuru which is approximately 125 miles from our capital city of Nairobi. Nakuru is the 4th largest town in Kenya.

We are a family of 8, 5 brothers and 3 sisters. My parents are retired police officers, but my father passed on in 2010.

I am the 6th born in our family and the youngest amongst the boys (or men if you like as we are all grown up).

I have a family that who include my loving wife Mercy and 2 daughters and a boy. Kathy - 7 years, Emilly - 5 years and Jerry - 7 months.

I am very passionate about nature and conservation and I love wildlife safaris, am a trained safari-guide and have worked in several of our wildlife conservation areas such as Maasai Mara and other parks. Ornithology is a hobby I dearly love and enjoy.

Currently, my main business is keeping of chicken both for meat - broilers, and for eggs layers. The chicken for eggs are both hybrid and free-range chicken as the my customers love both of this varieties.

I want to become a broker for chicken eggs and chicken meat to be supply to hotels, schools and large institutions.

Due to the rapid expansion of my business, I bought a Motorbike with my 5th Zidisha loan. This has really assisted my business as I got to supply my products where I previously could not be able to.

My profits have since increased by more than 70% and am very very grateful to all Zidisha lenders. My families lifestyle has changed for the better and each new day is a blessing to us.

I am able to pay our 2 children's school fees, cloth and cater for their day to day effortlessly because of my business whose foundation is Zidisha!

As I had informed you earlier, the expansion of my chicken and eggs supply as has made me have about triple the number of customers I had when I started this business. With the availability of the van, I will easily be able to offer chicken products in a diversified market at a more competitive price than that of other business-men in the same work.

This has necessitated me to not only source the products from my farm but also outsource from other farmers as I cannot cope with the high demand.

This is the reason, I was planning that with the able and good Zidisha lenders, I will make this a reality by purchasing a station wagon or van if you like. The most popular in my country are Toyota Probox or Toyota Succeed. This a hardy vehicle which is relatively cheaper than other models and consumes very little fuel.

The vehicle's maintenance is low and when you fold the rear seat, I will be able to supply my goods to various hotels in town and the outskirts of my town.

I will then resell the motorbike and add a little of my savings towards achieving this goal.

My strategy is to continue with supplying poultry products with the capital that I have and then, with the Zidisha loan, buy a vehicle to enable me to actualize this and enable my business to be cost-effective, efficient and competitive.

To this end, the loan proposal for my 6th loan is to buy a vehicle, preferably a station wagon as it would be used as a family car and for my business. The break-down is as follows:-

A. Totoya Probox/Succeed (reconditioned)................$3,400

B. Sale of my motorbike will give me about $1000.

C. Amount needed is A-B or 3,400-1000=$2,400

D. Expected Zidisha loan is about $2,100, I will add about $300 from my business.

With this amount, I will be a proud owner of good van and become a very successful broker for chicken products chicken and eggs and supplying all over my county and beyond.

REPAYMENT PLAN:-

Since I have a good number of hotels and institutions that I already deliver chicken meat and eggs, I plan to add about 50 more clients whom I can comfortably supply without fail. This will, in turn, generate an extra income. I have already held some meetings with the purchasing and supplies personnel of various places (hotels, schools and other institutions).

1. The newly generated profit will be directed in repaying my loan.

2. I will add about 30% of my current expenditure towards my loan repayment.

3. The amount of money I used to spend on transporting chicken feed and my children to school will henceforth be directed towards my loan repayment.

WORDS OF THANKS:-

I want to thank you so much for the previous assistance that you have given to me. I wish all of you and your families prosperity and good health.

As always, I promise to repay all my loans without default.