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Adrian is 36 years old and married, with two children. He completed high school in 1998 and obtained a diploma in teaching. He resigned as a teacher because the income was not enough to sustain him and his family.

He operates a grocery store and sells Coca-Cola products to customers in his hometown of Zimba. Adrian has been running his business for 11 years now. The income from this business is very important to him and his family, as it helps cover basic needs.

He enjoys running his business because it gives him the opportunity to interact with other business owners in his hometown and earn a decent living.

Adrian has applied for a Kiva loan to add to his drink stock. He will use the money to order more crates of soft drinks. This will improve his overall volume of soda, and he will be able to sell more product, therefore improving his profit margins.

He would like to thank Kiva and the Kiva lenders for the opportunity they have provided him to grow his business and improve his and his family's life.

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 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

  • $4,100
    Average annual income
  • 0
    View loans »
    Zambia Loans Fundraising
  • $1,087,775
    Funds lent in using Kiva
  • 5.5
    Zambia Kwacha (ZMW) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $475 helped Adrian to order more drinks so he can increase his stock and earn more profits.
91% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
At end of term
Dec 27, 2013
Nov 28, 2013
Currency Exchange Loss:
Apr 18, 2015