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Esther is 39 years old and married with four children. She started her business making phone calls for people and selling rechargeable phone cards in 2008. Esther has applied for a loan in the amount of N80,000 to purchase more rechargeable phone cards to sell. She hopes that this additional stock will help her expand her business. She is an LAPO client. Esther says thanks to Kiva lenders.

Additional Information

Important Information

The Kiva Field Partner in Nigeria who administers this loan is called the Lift Above Poverty Organization (LAPO). Kiva’s Staff wants to call your attention to the fact that LAPO is the subject of controversy. While all Kiva Field Partners charge an interest rate on loans to sustainably operate, LAPO’s interest rates (see their “Portfolio Yield”) and profitability (see their “Return on Assets”) are amongst the highest on Kiva. Kiva’s Staff encourages you to learn more about this Nigerian Field Partner before making this loan.

About Nigeria

  • $6,100
    Average annual income
  • 438
    View loans »
    Nigeria Loans Fundraising
  • $6,290,950
    Funds lent in using Kiva
  • 147.9
    Nigeria Nairas (NGN) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Esther to purchase more rechargeable phone cards to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 20, 2009
Feb 19, 2009
Currency Exchange Loss:
Nov 15, 2009