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Siyaphambili Group
In this Group: Florence, Mildah, Sithembile
Sithembile M. is the leader of the Siyaphambile group. She is 50 years old , married and has three children, aged 26, 23 and 17. One of the children is attending school.

She is a cross-border trader who sells doilies, seat covers, African attire and bedspreads out of Zimbabwe but within the southern Africa region. She has been operating this business for the past nine years. She also gets extra income for the family from her farming activities and from her husband, who is a driver in Botswana.

Sithembile has requested this loan through MicroKing to purchase raw material (poly cotton, Java fabric, satin fabric, foam rubber, sheeting and mendy material) to make seat covers, bedspreads and African attire.

Her only challenges are the limits on goods to export and import and also hassles she goes through on crossing the border. However, she sees the extra income from this loan increasing her disposable income and improving her family's health and general upkeep.

She envisions herself owning a boutique and employing people.

Sithembile is thankful of the support being given to women.

Note: In the picture Sithembile is sitting.

Additional Information

About MicroKing Finance

MicroKing's loans are guaranteed against institutional default (failure of MicroKing to repay Kiva lenders if the borrower repays MicroKing) by MicroKing's parent company: Kingdom Financial Holdings Limited.

More About MicroKing
This loan is administered by MicroKing Finance, Kiva’s first partner in Zimbabwe.

MicroKing’s mandate is to provide financial services integrated with advisory services and targeted training to the under-banked but rapidly growing Zimbabwean micro-enterprise sector. The intent is to mobilize the underprivileged as active agents in fighting poverty as well as to accelerate the country’s journey back to economic prosperity where Zimbabwe was once known as the “bread basket of Africa.”

Zimbabwean micro-enterprises are generally run by women and comprise a multitude of business types. Constraints on local production and manufacturing capacity have led to cross-border trading being the most common type of business.

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 Zimbabwe

  • $2,000
    Average annual income
  • 3
    View loans »
    Zimbabwe Loans Fundraising
  • $4,139,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Siyaphambili Group's $1,200 loan helped a member to purchase raw material (poly cotton, Java fabric, satin fabric, foam rubber, sheeting and mendy material) to make seat covers, bedspreads and African attire.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 13, 2011
May 5, 2011
Currency Exchange Loss:
Sep 15, 2011