Enert is a 21-year-old business woman living in Mbire, a district in Zimbabwe. To give back to the community, Enert provides counseling services at a local community center to young people facing challenges. She also volunteers at the local clinic as a janitor. Enert also inspires young women in her community as an entrepreneur. She currently operates a grocery shop where she sells food items such as cooking oil, sugar, salt, mealie-meal, sugar beans, matemba (sardines), biscuits, sweets, and stationery. She has been running her business for a year and has managed to employ two people during that time as well as provide for her family. Enert will use the Kiva loan to expand her business by increasing her stock. She hopes to grow the business and increase its profitability to better provide for her family’s needs and the needs of vulnerable children in the community.
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.