A loan of $4,950 helped to employ two people in her shop and add to her working capital.


Sibeso's story

In the heart of the copperbelt province of Zambia lies the city of Kitwe. It is the second biggest town in Zambia. This is where Sibeso owns her mobile money transfer business. She is 20 years old and lives alone.

Sibeso comes from a family of four. She has a high school level of education. Once her business starts to make more profit, she plans to take a banking and finance course because she believes this set of skills will add value to her business. Sibeso has been running her business for three months now. She loves her business because it is able to provide money to customers who urgently need the money and it puts a smile on their faces.

When asked what challenges she faces in her business, Sibeso says that transportation of cash to and from the bank is very difficult because her location is not very secure. She says once she gets the Kiva loan, she will not have to move cash with her because she will have enough working capital and it will be much easier to go about her day-to-day business.

The Kiva loan will help Sibeso to hire two people to help her in her shop. She says it will also help her to add to her working capital so that she does not have to constantly carry cash to and from the bank.

Sibeso asks Kiva lenders to help her increase her working capital, serve more customers, and earn more profits. She plans to use her profits to study banking and finance in a part-time course.



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