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Shammar Group
In this Group: Simelikuthula , Robin , Tinotenda
This group is made up of cousins from three families living in the same village. They range in age from 18 to 26 years old. The group members are not employed and have been relying on seasonal casual labour as a source of income. They came together to start this group so that they could make more money from their farming activities. They are undertaking horticulture as their income-generating project, which is located on one of the member’s homesteads. From the proceeds of their project, they will raise income for their families.

They intend to use this loan to purchase a drip kit, seedlings and fertilizers as well to construct a mushroom growing house. From the proceeds of the first crop under drip irrigation, they intend to purchase mushroom spores and increase the area of their cropping under drip irrigation. The group plans to increase the area under drip irrigation from 250 to 750 square meters, by purchasing more drip kits over the next two cropping cycles (six to eight months from now). With the introduction of mushroom production into their business, they aim to supply the local market as well as food outlets. They also would like to use the proceeds from their business to build their own houses so that when they start their own families they are staying on the same homesteads with their parents or relatives.

Simelukuthula (the group leader) is a young woman aged 26 and has twin children, a girl and a boy, aged two. She currently stays on her own as her husband migrated to South Africa in search for employment. However, since he migrated a year ago, he has struggled to find permanent employment and has therefore been unable to send any money to support the children he left behind. Simelukuthula has thus been engaged in trading a variety of trinkets from which she raises money to take care of her children. With proceeds from this loan, it is her hope that her income will increase and she will save to purchase household assets and build her own house.

PENYA assists borrowers with entrepreneurial skills training through the Start and Improve Your Business (SIYB) Program. PENYA also helps them form Village Savings and Loans Associations where they save proceeds from their businesses that will then become the future sources of additional loans and business investments. Finally, PENYA carries out mentoring and monitoring visits to ensure that the businesses are being run viably. Through linkages created with extension workers and some buyers, PENYA borrowers have access to further training in the production and selling of their produce.

Additional Information

More information about this loan

About Practical Empowerment and Networking Youth Association

Practical Empowerment and Networking Youth Association (P.E.N.Y.A) is a youth-centered non-governmental organization founded and operated by youth since 2008. It works to address socio-economic challenges faced by youth in Zimbabwe by creating partnerships with them, their families, community organizations and government. Additionally, it empowers them through entrepreneurial skills training, savings group formation, support for youth businesses and small business management advice.

P.E.N.Y.A joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.

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 Zimbabwe

  • $2,000
    Average annual income
  • 15
    View loans »
    Zimbabwe Loans Fundraising
  • $3,748,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Shammar Group's $1,800 loan helped a member to purchase a drip kit, seedlings and fertilizers as well to construct a mushroom growing house.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 18, 2013
Sep 30, 2013
Currency Exchange Loss:
Sep 17, 2014