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Justina A. is 39-years-old, married and has five children. The family lives in Matogun, Ogun State, Nigeria. She sells bags of flour, semolina, and sugar to customers who use the products to bake breads. She has been in this business since 2004. The demand for flour and sugar is high and her customer base is increasing.

Justina is requesting a loan to purchase more bags of flour and sugar to meet the demands of her customers.

Additional Information

Important Information

The Kiva Field Partner in Nigeria who administers this loan is called the Lift Above Poverty Organization (LAPO). Kiva’s Staff wants to call your attention to the fact that LAPO is the subject of controversy. While all Kiva Field Partners charge an interest rate on loans to sustainably operate, LAPO’s interest rates (see their “Portfolio Yield”) and profitability (see their “Return on Assets”) are amongst the highest on Kiva. Kiva’s Staff encourages you to learn more about this Nigerian Field Partner before making this loan.

About Nigeria

  • $6,100
    Average annual income
  • 424
    View loans »
    Nigeria Loans Fundraising
  • $6,292,750
    Funds lent in using Kiva
  • 117.6
    Nigeria Nairas (NGN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Justina to purchase more bags of flour and sugar for resale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 17, 2008
Sep 3, 2008
Currency Exchange Loss:
Jun 15, 2009