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Umbonomuhle Group
In this Group: Nikeziwe Wineth, Thulisiwe Lindiwe Gladness , Ntombifuthi Sibinokuhle , Thembile Vakencia, Zandile Phindile
Nikeziwe is 40 years old and single, with 4 children between the ages of 7 and 18 years old. She cares for 4 children. She runs a retail business in Nkandla in Kwa Zulu Natal, South Africa. In the photo she is standing on the far left in grey.

She has been in this business for a year. She sells livestock chickens, clothes, shoes, skirts and shirts at her home and pension spots. She says that the main challenges to her business are customers who are not paying on time and the death of chickens when it is hot.

She requested this loan through Women’s Development Businesses to buy more chickens and clothes to grow her stock. She says that this loan will take her to another level, because she will be able to support her children through higher education and give them a better life. In the future, she would like to see her business grow and sell electricity vouchers and airtime.

She thanks WBD and Kiva for giving her this chance of improving her life.

Additional Information

About Women’s Development Businesses (WDB)

This loan is administered by Women’s Development Businesses (WDB), Kiva’s first and only partner in South Africa. Over 75% of South Africa’s population lives in rural areas and about a quarter of South Africans live on less than $1.25 per day.

WDB offers microcredit and training to rural women in order to improve their families’ living standards and encourage active participation in their communities. In addition to targeting women with household incomes of less than 50% of the South African poverty standard, WDB also provides enterprise development and mentorship for women ready to enhance their business skills.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About South Africa

  • $12,700
    Average annual income
  • 3
    View loans »
    South Africa Loans Fundraising
  • $818,550
    Funds lent in using Kiva
  • 6.9
    South Africa Rand (ZAR) = $1 USD

Success!! The loan was 100% repaid

A portion of Umbonomuhle Group's $750 loan helped a member to buy more chickens and clothes to grow her business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 2, 2011
Mar 7, 2011
Currency Exchange Loss:
Dec 8, 2011