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Jonathan is a shop owner in the town of Nyimba, Zambia. He is requesting a loan for a maize mill to provide a maize milling service to over 600 families in his community.

The maize milling machine takes raw maize (corn) and creates a maize flour which is the staple food in Zambia. Most rural families in Nyimba District grow maize on their small farms and store it and use it as their primary supply of food for the year. After the kernels are removed from the cob, they then have to be milled to create flour, which can then be boiled to make what is locally called Nshima. Jonathan is already operating a maize milling service, which employs three community members, and is looking to add a second machine so that he can keep up with the demand for his service.

Rent-to-Own has done market research in Jonathan’s community and has determined that the location for this equipment is ideal. He is one of the main operators of a maize mill in town and a large number of families are already using his service. However, such a high demand for his service means that people must wait in long cues. A second machine will build on his current business and allow him to serve more members of his community.

Once he secures a loan, Jonathan will be able to get a maize mill from Rent-to-Own, which will deliver the equipment to his place of business, as well as provide him with additional training on how to use and maintain it.

Jonathan hopes that he will be able to process his client’s maize much faster with this additional milling machine. This loan will assist in turning Jonathan’s business into a prosperous rural enterprise.

Additional Information

More information about this loan

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit. 

About Rent-to-Own

Rent-to-Ownis a social enterprise that supports entrepreneurs in rural Zambia by providing financing and access to productive assets at low prices. The company uses a product catalogue for clients to purchase equipment needed to grow their businesses, and a network of local agents who leverage their social networks to decide if clients are credit-worthy.

Once clients are approved, Rent-to-Own provides a holistic set of services including delivery, installation, training, and repair services for their equipment to give clients the highest possible chance of succeeding. All equipment has a 30% mark-up over Rent-to-Own's purchase price. This mark-up covers all the logistical transportation costs that Rent-to-Own incurs in order to deliver the asset to the borrower, to provide training, ongoing support and to cover transaction costs. Kiva lenders’ funds are used to test new forms of asset financing to help more clients in new and innovative ways.

Rent-to-Own joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.


About Zambia

  • $1,800
    Average annual income
  • 1
    View loans »
    Zambia Loans Fundraising
  • $857,225
    Funds lent in using Kiva
  • 6.1
    Zambia Kwacha (ZMW) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $3,075 helped Jonathan to obtain a maize milling machine.
54% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 17, 2014
Jun 23, 2014
Currency Exchange Loss: