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Phelelani Group
In this Group: Elpha Thabile, Beatrice Phethelaphi, Nomvula Philisiwe, Bongiwe Beauty, Nokuthula Jacoline
Elpha is 65 years old and married with seven children aged between 19 and 35. She sells brooms, mats, hats, bags and baskets at pay points and also in Durban. In the photo above, she is standing in the center of her borrowing group.
Elpha been engaged in her business for ten years and has two employees. She says that the main challenge to her business is the shortage of employees. She has many customers and sometimes loses them because of insufficient stock. In the future she hopes to have a formal place to sell her mats and make the business more sustainable in order to hire more staff.
She has requested this loan through Kiva partner, Womens Development Businesses (WDB), to buy more dye, wool, mats and grass for her handicrafts, and also buttons for making bags. She says that the extra income from this loan will help her buy enough food for her family, and send her grandchildren to school, extend her house and send her last-born child to university. She also said that she appreciates WDB and Kiva for providing this opportunity – she never thought she would see herself on the internet!

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
  • 9
    View loans »
    South Africa Loans Fundraising
  • $614,675
    Funds lent in using Kiva
  • 7.1
    South Africa Rand (ZAR) = $1 USD

Success!! The loan was 100% repaid

A portion of Phelelani Group's $1,175 loan helped a member to buy handicraft materials (dye, wool, mats, grass) and buttons for bags.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 21, 2011
Listed
Jan 21, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 22, 2011