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Kombelwa is 24 years old and lives in the town of Chambeshi, which is located in the Copperbelt Province of northern Zambia. She lives with her husband and one-year-old daughter in a one-bedroom house. Her husband works as an underground miner.

Kombelwa has set up a Zoona mobile money transfer business to help provide for her family. Her husband does not earn much income at his job so Kombelwa has taken the initiative to start her own business to provide additional income for the family. Kombelwa is requesting a Kiva loan to purchase a trading booth for her business. Currently, she does not own a booth and does not have the necessary capital to purchase one without a loan. She will use the rest of the loan as working capital for her shop so that she can serve more customers

Kombelwa has big aspirations for her family’s future. Her goal is to grow the business and become a successful businesswoman who earns a stable income. This will enable her to take control of providing for her family’s needs.

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 $4,750 helped Kombelwa to purchase a trading booth for her business and increase her working capital float.
87% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
At end of term
Nov 8, 2013
Oct 15, 2013
Currency Exchange Loss:
Apr 18, 2015