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Roidah is 53 years old. She is married with four children ages 28, 25, 21, and 20.

She operates her own business at one of Lusaka’s busiest markets. Her business deals in the sale of Coca-Cola products on wholesale to other small businesses in her community. She employs two people who help her in the day-to-day operations of the business. She has been running her business for many years and understands the importance of having enough empty crates to order additional drinks from the suppliers.

Roidah says her business is good, but the one thing holding her back is that she needs to increase her turnover in selling by having more stock on hand. She explains how the number of drinks she can order is directly dependent on the amount of empty stock she has. If she can acquire more capital to purchase additional stock, this will help scale up her business and earn Roidah more profit.

She is hopeful that once she has more crates, her profit margins will increase by having additional turnover in the business. She hopes to use the profits from her business to purchase a piece of land and build a home for her family.

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 are transforming their communities.

In Africa, there is a tremendous pool of entrepreneurs, business owners, and young people who dream of making money and serving their communities but who are struggling to find the resources and support to reach their full potential.

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.

The network of Zoona outlets in urban and rural areas enables unbanked and financially excluded individuals the ability to transact in an easy, quick and safe manner with family, friends, and other service providers. This is a step change improvement in countries like Zambia, where the majority of transactions are still conducted in cash and are thus inefficient, insecure, and expensive. Zoona's unique model of enabling emerging entrepreneurs to provide mobile money services to consumers has the potential to significantly push the boundaries of financial inclusion in Africa.


About Zambia

  • $4,100
    Average annual income
  • 10
    View loans »
    Zambia Loans Fundraising
  • $1,106,125
    Funds lent in using Kiva
  • 6.1
    Zambia Kwacha (ZMW) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,475 helped Roidah to purchase additional empty crates so that she can order more stock.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
At end of term
Aug 21, 2014
Jul 26, 2014
Currency Exchange Loss:
Jun 3, 2015