A loan of $675 helped to purchase more cosmetics and baby wear to sell.


Joseph's story

Joseph is excited to take his first loan with Kiva. He will use this loan to invest in his business of selling cosmetics and baby wear which he will buy in bulk to get a better price. He hopes that this loan will help him build a business that will be profitable and provide benefits for his family. Joseph has been in this business for eight years. He is currently taking a part-time course in one of the higher institutions. In order to make more profit and to complete his education, he is requesting a loan of 100,000 NGN to purchase more cosmetics and baby wear to meet with customers' demands in this festive season. He also needs to increase his capital and his profits. Joseph is 28 years old.



Loan details


Lenders and lending teams



Loan details