Ruramai is 27 years old. She is married with two children and is residing in Chikomba West District, Zimbabwe. She volunteers as a Camfed Learner Guide in schools working to improve the well being of students. In addition, Ruramai rents a table at the local flea market where she sells products such as bags, shoes, jeans, shirts, skirts, track suits, and t-shirts. She has been running this business for eleven months now and it has enabled her to support her family.
With the loan, Ruramai will increase her stock by purchasing more bags, shoes, jeans, shirts, skirts, track suits, and t-shirts. Her hope is to grow the business and open her own store. This will bring stability to her business and will enable her to create employment in her community as well as provide for her family’s basic needs.
More information about this loan
Young women who live and work in the most impoverished, rural districts of Zimbabwe have very limited income, lack collateral and cannot access loans at affordable rates
Camfed's borrowers are young women who live and work in these remote rural areas and belong to the Cama network (the association of Camfed alumni). Most Cama borrowers will have received money management and business training through Camfed’s programs for young women who have completed high school. Borrowers will repay interest upon their loans as a "social interest" - through their volunteer efforts to enhance the quality of the education provided by their local schools.
Borrowers commit to contribute a minimum of 2.5 hours per week as volunteers. As Learner Guides, they will lead students through a new wellbeing curriculum that helps develop students’ skills and capacities for decision-making, problem solving, leadership, entrepreneurship, resilience, communication, and empathy.
The Campaign for Female Education (Camfed) is an international nonprofit organization operating in five countries in Africa that focuses on eradicating poverty in rural Africa by investing in education for girls and supporting the economic self-reliance and leadership of young women. Camfed provides support for the long-term, working with individuals from primary to high school, and through the Cama empowerment and community outreach group.
Kiva lenders’ funds are used to link women living in rural Zimbabwe to the capital they need to expand their businesses, support their families and contribute to their communities.