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On any given day, Terry can be found at the red shipping container filled with crates of Coca-Cola, Fanta, and Sprite located at the bustling minibus
station and market of Chipata compound, Lusaka. This is Terryʼs micro-distribution center (MDC), where he sells Coca-Cola products at wholesale to local retailers.

MDCs are a distribution model that was developed by The Coca-Cola Company’s (TCCC) bottler in Ethiopia in 1999 as an innovative way to get their products to hard-to-reach urban areas. The model relies on a network of independently owned MDCs that are run by local entrepreneurs. In Zambia, entrepreneurs must invest approximately $2,500 to purchase the container and another $3,000 to stock it full of drinks to become an MDC. Today, the MDC channel represents 47% of Coca-Colaʼs distribution channel in Zambia.

Terry is 33 years old and became an MDC in June 2009 because he did not have any job security where he was working at the time. “Employment opportunities in the country were next to zero,” Terry explains. Since that time he and his wife Thandiwe have opened another location in Chazanga, and the income from the two MDCs support them and their two young children.

Terry has requested a Kiva loan so that he can order more stock for his shipping container. This will help him increase his stock and high turnover will bring him additional profit. Terry and his wife make a good team working hard to improve their family’s standard of living and provide ample opportunity for their growing children.

Additional Information

More information about this loan

This loan is part of Zoona's effort to provide working capital to micro-distributors in Zambia. Passionate about helping businesses grow by combining financing and electronic payment technology, Zoona provides loans to incentivize people to switch from cash to mobile payments, increase their stock levels, and open new mobile money outlets. The micro-distributors who receive these loans have been unable to access affordable credit from commercial banks. With Zoona, they can make sustainable income while increasing mobile money adoption in rural Zambia.

About Zoona:

Zoona is a mobile money operator that invests in emerging entrepreneurs in Africa who provide underserved communities with financial inclusion. 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. Kiva loans made through Zoona provide mobile banking service agents with funding for fixed asset purchases, setup expenses, and working capital float to ensure resources to manage cash in/out transaction requests.


About Zambia

  • $4,100
    Average annual income
  • 19
    View loans »
    Zambia Loans Fundraising
  • $1,185,700
    Funds lent in using Kiva
  • 6.1
    Zambia Kwacha (ZMW) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,475 helped Terry to order more stock for his shipping container.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
At end of term
Aug 20, 2014
Jul 25, 2014
Currency Exchange Loss:
Jun 3, 2015