A loan of $600 helped to finance his start-up business as a Zoona agent and improve financial inclusion in his community.


Webster Mugwagwa's story

Webster, at 43, is a married man and proud father residing with his family in Choma, Malawi. He grew up in a small village called Mbila and he says growing up in a village setup groomed him to be the hardworking man he is. Webster lost his father at a very young age and this affected his education. Now Webster does not have a stable job and he says he cannot provide for the upkeep of his family and neither can he take his children to school.

Webster started a business as a Zoona agent, and being an entrepreneur he is assured of an income to be able to provide for his family's needs and children's education. Having a business in his community will help students, farmers, and villagers as it will ease their burden of having to pay for transport to go to into the city where they could send and receive money.

Webster hopes to expand his business and start hiring unemployed youths to change their lives. He says as he expands his business in the future he will be able to make significant returns, hence improving his life. Webster is reaching out to Kiva for support as he cannot raise all the money needed for his business. With the loan, he will acquire a Zoona branded kiosk and float financing to carry out cash in/cash out transactions. Webster thanks Kiva in advance for assisting him.


This loan is special because:

It enables an entrepreneur to build a mobile money business.



Loan details


Lenders and lending teams




Loan details