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Joy sells used clothes and natural medicine to her customers at retail prices. She lives Warri, Delta State. She is 35 years old and married, and she has 2 children.. She is a hard-working woman. With these combined businesses, she hopes to meet the basic needs of her family members. She is hoping for a loan of 50,000 NGN to purchase more natural medicines to sell. She says "thanks" to all Kiva lenders.

Additional Information

Important Information

The Kiva Field Partner in Nigeria who administers this loan is called the Lift Above Poverty Organization (LAPO). Kiva’s Staff wants to call your attention to the fact that LAPO is the subject of controversy. While all Kiva Field Partners charge an interest rate on loans to sustainably operate, LAPO’s interest rates (see their “Portfolio Yield”) and profitability (see their “Return on Assets”) are amongst the highest on Kiva. Kiva’s Staff encourages you to learn more about this Nigerian Field Partner before making this loan.

About Nigeria

  • $6,100
    Average annual income
  • 103
    View loans »
    Nigeria Loans Fundraising
  • $6,068,425
    Funds lent in using Kiva
  • 149.7
    Nigeria Nairas (NGN) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Joy to purchase more natural medicines to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 11, 2009
Dec 7, 2009
Currency Exchange Loss:
Aug 26, 2010