Joy sells used clothes, jewelry and sarongs to make a living and sells daily from 7 a.m. to 7 p.m. There are people in her community that cannot afford new clothes. She hopes to own a boutique in the future.
Joy is 40 years old and married with five children. She is a smart and friendly woman. She needs a loan of NGN 80,000 to purchase more used clothes and sarongs to sell. She says thanks to all Kiva lenders.
Joy is a LAPO (Lift Above Poverty Organization) client. LAPO is committed to improving lives in Nigeria and elsewhere in Africa.
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. http://www.kiva.org/partners/20