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Joyce, a 30-year-old mother from the Wedza District of Zimbabwe, is focused on providing for her children. For work, she runs a mobile business selling shoes, jeans, shirts, skirts, tracksuits, T-shirts, and even cosmetics. Joyce also takes the time to volunteer in her community. She is a Camfed Learner Guide and teaches life skills education in the local schools as a way to enhance the young students’ learning environment.

With the loan, Joyce will purchase bags, shoes, jeans, shirts, skirts, tracksuits, T-shirts and cosmetics to increase her supplies and therefore increase sales. Joyce would like to have a better life and open her own clothing shop one day.

Additional Information

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. 

About Camfed

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.


About Zimbabwe

  • $2,000
    Average annual income
  • 39
    View loans »
    Zimbabwe Loans Fundraising
  • $3,567,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Joyce to purchase bags, shoes, jeans, shirts, skirts, tracksuits, T-shirts and cosmetics to increase her supplies and therefore increase sales.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 20, 2014
Jul 26, 2014
Currency Exchange Loss:
Mar 27, 2015