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Thembeka Group
In this Group: Ntombiyomusa Thembeni, Fikile Ntombikayise, Sellina Maria, Lethiwe Elizabeth, Lilian Nomathemba
Fikile is 42 years old and married with two children, ages 7 and 20. She runs a small spazza (or "shop") in Mtubatuba, South Africa. She is standing at the front in the photo above, raising her hand.

She's been in this business for five years, selling airtime, cool drinks and chickens from her home. She also earns income from the government’s child support grant. She says that the main challenge to her business is that the customers do not pay on time.

She requested this loan through Women’s Development Business and KIVA to buy more airtime and chickens to sell. She says that the extra income from this loan will help her send her children to school. In five years time she would like to build a new shelter for her business.

She appreciates WDB and Kiva very much.

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

  • $12,700
    Average annual income
  • 1
    View loans »
    South Africa Loans Fundraising
  • $739,575
    Funds lent in using Kiva
  • 7.1
    South Africa Rand (ZAR) = $1 USD