A loan of $2,500 helped to buy stocks of basic groceries for starting up a small grocery store.


Mzia's story

Mzia is 44 years old. She lives in the Sagarejo district with her husband and five children. Mzia receives a pension from the local government as she has many children. She has requested a loan from local financial institutions several times for a family business start-up, but without any success. Her loan request was rejected each time because of low income and the family’s poor living conditions. The only source of income for the family is small monthly salaries earned by Mzia’s husband and her eldest son, who works locally as a shepherd. Besides this, they own two donkeys and transport wood from the forest to sell among their villagers. The income is hardly enough for food for a seven-member family. According to Credo estimations, the family belongs to the Subsistence Poor category.

Mzia requested a loan from Credo to start up the family business. Her loan request was approved in the framework of a new joint initiative of Kiva and Credo. The start-up loan program aims to provide business start-up and re-startup credits, with soft conditions, to the country’s rural poor who do not have access to credit products, being regarded as “high risk borrowers” because of low income. With the credit she received, Mzia will purchase stocks of basic groceries for starting up a small grocery store. She will sell the products with a price mark-up and this will increase the family income. The new business initiative, financed with the Kiva start-up loan, will significantly improve the living conditions of the large family.



Loan details


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Loan details