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Shena is a 34-year-old mother of one. She lives in Lusaka province, Zambia, with her husband. She runs her own business, which is a Micro-Distribution Centre (MDC), where she sells Coca-Cola products at wholesale to local retailers and customers. She has been running her business for close to four years now.

Shena says she loves her business because it is a way for her to provide for her family rather than solely depending on her husband. When asked how her community benefits from her business, Shena is quick to say that her business provides to other small business owners in her community, a place where they can order soft drinks without having to spend any money on transportation to go into the town centre.

Today, Shena is taking out a Kiva loan so that she can increase her line of products. Currently, she only stocks Coca-Cola and Fanta in glass bottles, on a very small scale. This loan will help her to add Sprite to her product line.

Shena has high hopes for the future. She dreams of one day being able to distribute a variety of Coca-Cola products, on a very large scale.

Additional Information

More information about this loan

This loan is part of Zoona's effort to provide working capital to micro-distributors in Zambia. Passionate about helping businesses grow by combining financing and electronic payment technology, Zoona provides loans to incentivize people to switch from cash to mobile payments, increase their stock levels, and open new mobile money outlets. The micro-distributors who receive these loans have been unable to access affordable credit from commercial banks. With Zoona, they can make sustainable income while increasing mobile money adoption in rural Zambia.

About Zoona:

Zoona is a mobile money operator that invests in emerging entrepreneurs in Africa who are transforming their communities.

In Africa, there is a tremendous pool of entrepreneurs, business owners, and young people who dream of making money and serving their communities but who are struggling to find the resources and support to reach their full potential.

Zoona offers entrepreneurs an opportunity to build their own businesses and create wealth and employment through mobile payment solutions, financial services, business management tools and support.

The network of Zoona outlets in urban and rural areas enables unbanked and financially excluded individuals the ability to transact in an easy, quick and safe manner with family, friends, and other service providers. This is a step change improvement in countries like Zambia, where the majority of transactions are still conducted in cash and are thus inefficient, insecure, and expensive. Zoona's unique model of enabling emerging entrepreneurs to provide mobile money services to consumers has the potential to significantly push the boundaries of financial inclusion in Africa.

About Zambia

  • $4,100
    Average annual income
  • 5
    View loans »
    Zambia Loans Fundraising
  • $1,106,025
    Funds lent in using Kiva
  • 5.3
    Zambia Kwacha (ZMW) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,850 helped Shena to add Sprite to her line of products.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
At end of term
Apr 21, 2013
May 26, 2013
Currency Exchange Loss:
Jul 17, 2014