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Siyatotoba Group
In this Group: Nonsikelelo Nelisiwe, Xolo Nokuphiwa, Maqeqe Beauty, Sabathile S, Nkosikhona Priscilla
Nkosikhona is 21 years old and single with one child, age 2. She runs a public phone shop in Empangeni, South Africa. She's been in this business for a year, selling airtime on public phones from her shop. She also earns income from a government child support grant. She says that the main challenges to her business are electrical problems that cause her to close her shop.

She requested this loan from WDB and Kiva to buy airtime for her public phones. She says that the extra income from this loan will help her be able to buy furniture. She would like to grow her business and expand with a beauty store.

Nkosikhona is the leader of her borrower group and is on the far left in the photo above.

Additional Information

About Women’s Development Businesses (WDB)

This loan is administered by Women’s Development Businesses (WDB), Kiva’s first and only partner in South Africa. Over 75% of South Africa’s population lives in rural areas and about a quarter of South Africans live on less than $1.25 per day.

WDB offers microcredit and training to rural women in order to improve their families’ living standards and encourage active participation in their communities. In addition to targeting women with household incomes of less than 50% of the South African poverty standard, WDB also provides enterprise development and mentorship for women ready to enhance their business skills.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About South Africa

  • $11,500
    Average annual income
  • 3
    View loans »
    South Africa Loans Fundraising
  • $700,425
    Funds lent in using Kiva
  • 6.9
    South Africa Rand (ZAR) = $1 USD