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Delisa, age 29, is a mother, a wife, and a guardian. She has two sons, ages ten and seven. She lives with her family in a rented house.

Delisa runs a business which provides a mobile money transfer service for people in Zambia. Her business helps her to provide for her family, even though it is not an easy undertaking. The major challenge she faces in her business is that she lacks capital to expand. This has incapacitated her growth. She says she has been running her business for some time now and it has remained the same. She had applied for a loan at a bank, but it was rejected because she did not have any collateral.

Delisa is grateful for the opportunity to be on Kiva. When she gets her Kiva loan, she intends to open another outlet in a township called Mtendere. She explains that she has already found the space, but does not have the start-up capital to start running her new shop. The capital will be used to purchase a trading booth for the new outlet.

Delisa‘s biggest dream is to grow her business, so that she can one day build a house from the proceeds of her business because the cost of rent in Lusaka is high.

Additional Information

More information about this loan

This loan is designed for Zoona agents, enabling them to access the working capital they need to process frequent and large mobile money transactions. Loans can also be used to help agents open new transaction booths to serve more customers, increasing the number of Zambians who have access to mobile banking technology.
Kiva loans are structured so that a percentage of an agent's monthly revenue is used to repay. Because the exact amount of these repayments is uncertain, we have structured this loan's repayment schedule to include just one payment at the end of the loan term. That said, lenders can expect to receive payments throughout the loan term as this agent earns revenue and pays back the loan.

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

  • $1,800
    Average annual income
  • 0
    View loans »
    Zambia Loans Fundraising
  • $870,100
    Funds lent in using Kiva
  • 5.3
    Zambia Kwacha (ZMW) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,300 helped Delisa to grow her business by purchasing a trading booth to run a new mobile money transfer outlet in Mtendere compound.
96% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
At end of term
Jul 6, 2013
Jun 10, 2013
Currency Exchange Loss:
Jul 17, 2014