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Senzokwethu 2 Group
In this Group: Ntokozo Angeline , Lindiwe , Siphiwe , May Bongiwe , Lunggile Prisca
Ntokozo is 31, single, and has two children who are two and five years old. Her five-year-old attends school. She runs a retail business in Kwa Zulu Natal of Empangeni in South Africa. In the photo she is pictured raising her hand.

She has been in this business for two years selling perfume, airtime and bath towels. She also receives income from the government's child support grant.

She requested this loan through WDB and Kiva to buy perfumes and airtime. She says that the main challenges to her business are customers who buy on credit and fail to pay on time. Ntokozo adds that the extra income from this loan will help her improve her life and her family because now she can put food on the table.

In her comment she thanks WDB and Kiva for lending her money as she is unemployed.

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
  • 2
    View loans »
    South Africa Loans Fundraising
  • $864,400
    Funds lent in using Kiva
  • 6.8
    South Africa Rand (ZAR) = $1 USD