A loan of $950 helped to serve customers who want to send and receive money from her new mobile money shop.

Sandra's story

Sandra is a 26 year-old mother of one. She got her first Kiva loan a year ago and has grown her business by 100 percent. She finished paying off her loan in August of 2012 and has since opened two more mobile money transfer shops in her hometown of Kitwe. She now has seven employees in total. Today, Sandra is taking out a second loan so that she can be able to finance her third shop. She will use this loan as working capital to serve customers who come to send and receive money from her new shop.

Sandra believes her business has been successful because she treats her employees right by giving them targets every month and giving them incentives on top of their monthly salaries. She says running a business is not easy but if you treat people right, then they will take enough ownership and do their jobs right.

When asked what she would like to say to the Kiva lenders, Sandra says the assistance from her lenders has changed her business. By increasing her working capital, Sandra says she was able to serve more customers and earn a lot of profits. The profits helped her to have a successful wedding and buy necessities for her newborn son. She is very grateful.

Loan details

Lenders and lending teams

Loan details