Update on RusinaThe Kiva loan has been successful in helping Rusina expand her business selling second-hand clothes. With the loan, she bought bales of clothing from neighboring Mozambique to sell to her local community in rural Zimbabwe. As these clothes are very affordable, many people in her village flock to purchase clothes from Rusina. This initial increase in sales, made possible through Kiva lending, allowed Rusina to purchase bales more frequently. Rusina is very thankful that the increase in profit has enabled her to pay the school fees for her son and provide basic food and clothing for her family. However, the market place where she sells her clothes has no shelter, so selling clothes during the rainy season is a challenge. In the future, Rusina plans to rent a shop, which will allow her to sell more items. She plans to use the profit to improve her education, send her son to boarding school, and expand into the Pre-School business.
Previous Loan DetailsRusina is 33 years old and lives in the Nyanga District in Zimbabwe with her husband and three children. Rusina enjoys running her business selling clothing including jackets, panties, shirts and shoes. She is actively involved in her community, and volunteers at local pre-schools. A loan will… More from Rusina's previous loan »
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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.
About CamfedThe 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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