my name is Mina Carol BIA I’m a businessman in Eldoret was englishmen County our offices are based in Riverside arcade room number 51 we are a company that deals with microfinance we deal with the real estate management and development and that really now we are launching construction industry that is where we are going please tell us more about how light for life is structured and how you do research before you give loans we have three departments the first a department is microfinance with its own Secretariat and also accounting department the second departments it’s the real estate we have the young Secretariat’s and also we have the own accountants and the red one is the construction industry also we are we have the own Secretariat and also we have the our own accountings we never mix any project and also before we venture into any project we normally do a lot of research we involve the professionals to undertake and also a lot of consultation we know Mary do and also before we venture we normally do something that is called piloting businesses which can give us a very good record to allow us now we can venture or not in venture that is how we normally manage ourself please tell us more about how you started in 2009 grew till 2011 and now you’re at your peak capacity for stockholders now we for that one I think by the year 2009 we by the year 2011 we had a very good blueprint strategizing where we want to be then that is when we see now we can bring the maximum of the numbers of our friends to be 50/50 from there we we interviewed them we accommodated them to be members from there we have never recruited anybody and we doesn’t have any work and to recruit enable even in their female future because now a lot of Shia hold us they have invested so much into what we are doing so there is no opportunity of requiring an outsider to come to Malaysia holder would we normally advocate is maybe you can invest with us but not to be the shareholder that is where we are yeah please tell us more about how you work together as a team to accomplish all that you’ve done in such a short time what we normally do we we believe also in various giftings within the society so that is to mean as I’m Ina cannot be able to understand everything that is needed in the marketplace we depend on the knowledge and the input on the society people within us so if we want to start any kind of a project if you want to start any kind of a business it is good you sit down it is good you you you put some ideas it is good you focus on marketing it is good you focus also in your list management and some of these things you can get it from the good professionals where there is those who are in such kind of an industry they can assist you you are able now before you vent aim to mitigate to understand the way to go and the way to invest as you help businesses get started do you require them to do research and how do you do that research is very very important you can do research even without the aspiring to do all to venture but to acquire the knowledge how links are done it is good to understand how they span who have I novated it how it is made and how you see who is it and how effective it is in the marketplace so that if you want to venture into this you will be able to understand and you will be able to have that ego in your back that now I can be able to do it I can be able to invest I can be able to get profit out of what I am doing that is what about research it is you know research is supposed to be done not only the government not only the big institution even in individual level it is going to do research a small research that you can be able to do is when you go to a supermarket when you doesn’t have enough capital enough money for shopping what you do you go from one supermarkets to the other the reason it is to look where you are your your money can accommodate what you want to acquire that is the research you are doing but in another way you cannot be able to understand it is the research you are doing so it is good as you as it is good before you do or before you venture into any kind of a business you do your own research to assist you so much if you don’t have the capital to get started in your business would you advise people to go ahead and start real small with what you have in your hands is to begin with what you have I can give you small story by the year to 2005 after the completing my school I came into town from the village things got so rough for me in town then I decided I just have $50 what can I do with $50 I see the only thing I can do it maybe buy a djembe or maybe a Ponca go back to the village and do farming but before I made that decision I went to my friend just within this city and I looked up on the second hand shoes which is used she was or we call them me tomba for that when I said we negotiated with him and he gave it to me at a throwaway price then I risked myself I said let me purchase this one and then try to to do Hawking to see me and I confided my god Lewis I was able by that evening I had like already five hundred US dollars so that was enough for me to start what I what I had so it is good to believe in yourself even when you reach in your and that does not mean that is real life ends that is just a beginning what you are supposed to do is you you come down you relax you refocus in your life then you start making new decisions new progress then you start drawing this is what I have what do I need to start with then you can progress from there it can assist you to grow thank you do you believe that the Bible is a source of business wisdom and can you give us some examples of how you’ve learned business from reading the Bible some of these things in the Bible this is the concept that was only the book of Genesis where Joseph well you see after the dream of the Father he took that principle whereby he took the people that we needed to do savings because there is a famine that is come so it is who does men in the other pocket so it is good to do you are selling because it will assist you even as you do more savings you will be getting ideas on how to invest not on how to celebrate not on how you know to be feasting it is from how to invest it because if you have 100 dollars so even Jesus were after the giving the five talents the two talents and the one talents to be one of them to determine giving it to his servants and tell you them you can keep it as I come back so the one who had five invested it so every single investment that you do after that investment it is good you get an idea how will you be able to multiply it and to make it also to be bigger so it is a good concept to understand that these are the principles that were also found in the Bible because even Joseph had to interpret the dream of the king and the dream of the king the principles was you try to do the savings so not only not only Joseph was he given the platform to be a prime minister but also to implement what interpreted that room so it is nothing like what you you you you clean about it’s also another thing to up start and implementing of life but you have great