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Happy I. is 48 years old and married with 7 children. Her youngest child is 20 years old and all her children are doing well in their jobs and in school. Happy sells dried pepper at retail prices to her customers. She sells for long hours to make her business more sustainable. In Nigeria, pepper is used in the preparation of mouth watering Nigerian cooked foods. Happy hopes for a loan amount of NGN 60,000 to purchase more dried pepper to sell. She loves this business because of the one-on-one interaction that she has with her customers. Happy 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
  • 425
    View loans »
    Nigeria Loans Fundraising
  • $6,292,750
    Funds lent in using Kiva
  • 150.8
    Nigeria Nairas (NGN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Happy to purchase more dried pepper to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Feb 10, 2010
Feb 19, 2010
Currency Exchange Loss:
Dec 10, 2010