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Mercy is 44-years-old. She is a widow and has five children. She stopped school at an early age and got married. She was prompted to start running her own small business after the death of her husband six years ago. Her business deals in the sale of coca-cola products for wholesale and retail in her hometown of Livingstone, Zambia.

The business helps Mercy to pay for her children's school fees and take care of their basic needs. She starts her day at five o'clock in the morning and walks to the local breweries to get her orders. She then makes her way to her shop and makes sure her drinks are displayed very well so that customers can choose to buy from her as there are a lot of people doing the same business. Mercy says in the six years she has been running her business, her profit margins have remained more or less the same. This is because she has not had the money to invest in her business so that she can order more drinks.

A loan of 5,000 ZMW will help Mercy order more drinks for resale. This will improve her revenue and make it easier for her to provide for her children. She thanks the Kiva lenders.

Her dream is to see her five children go through college so that they can hopefully get good employment and take care of her in the future.

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 provide underserved communities with financial inclusion. 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. Kiva loans made through Zoona provide mobile banking service agents with funding for fixed asset purchases, setup expenses, and working capital float to ensure resources to manage cash in/out transaction requests.


About Zambia

  • $4,100
    Average annual income
  • 18
    View loans »
    Zambia Loans Fundraising
  • $1,185,400
    Funds lent in using Kiva
  • 5.5
    Zambia Kwacha (ZMW) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Mercy to order more drinks for resale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
At end of term
Dec 26, 2013
Nov 27, 2013
Currency Exchange Loss:
Apr 18, 2015