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Sekela is 30 years old. She is friendly and works very hard to take care of her family. She is happily married with two children, aged three and one. She lives in a town called Chipata, located in the eastern part of Zambia.

Sekela runs a Zoona mobile money transfer business. She offers financial services to people in her community. Before running her own mobile money business, Sekela worked as a data operator for one of the breweries in the country. This previous experience has helped in the day-to-day running of her current business.

Sekela says the community benefits from her business of mobile money transfers because people do not have to pay large sums of money or travel to the city of Lusaka to access financial services. She is very pleased with the business because it allows her to have a livable income at the end of the month to pay for her house rentals and provide for her family.

Sekela is requesting her first Kiva loan to expand her business and boost her working capital. This will increase her revenue by allowing her to provide service to more customers.

Sekela’s biggest dream is to someday build her own house for her family. She thanks the Kiva lenders for their assistance.

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
  • 5.6
    Zambia Kwacha (ZMW) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $900 helped Sekela to expand her business by boosting her working capital so that she can serve more customers.
98% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
At end of term
Mar 13, 2014
Feb 14, 2014
Currency Exchange Loss:
Aug 17, 2014