A loan of $2,300 helped to generate capital for her startup business in mobile money transaction services.


Karen's story

At first glance, Karen is seen as a diffident youth; however, this 19-year-old is far from it. Karen is from Kitwe, in Zambia, which has a complex of mines on its northwestern and western edges. Karen is the oldest of four children. With mining retrenchments, her parents' first priority is ensuring all the children complete school, which has left Karen unable to further her studies.

With this situation, Karen chose to create her own wealth. After learning about Zoona mobile transactions from a family member, she decided to become an agent herself. Karen says that the idea of being able to run her own business excites her, and her daily interaction with people from all walks of life keeps her grounded.

Karen lacks the capital needed for a startup business and reached out to Kiva for assistance. With the loan, she will be able to increase her daily float, which will help her service more customers to send or receive money as well as cover her sundry expenses.

Karen is determined to make this business a success as it is her only income. In the future, she would like to attain a degree in social science. Karen thanks the Kiva lenders in advance.


This loan is special because:

It expands access to mobile money in Zambia.



Loan details


Lenders and lending teams




Loan details