A loan of $1,300 helped to buy cooking oil, school bags, plasticware, soap and sugar in bulk for stocking her grocery stores.


Chipo's story

Chipo is 24 years old and is the eldest child in a family of 4. She has been operating a grocery shop since 2010 after she was trained by PENYA in the Start and Improve Your Business (SIYB) Program. Chipo lost her parents 5 years ago due to HIV-related diseases. She is therefore looking after her siblings and has been paying for their school fees with the money she earns from her grocery shop. At her shop, she is able to provide supplies to people from the surrounding villages who would have otherwise had to travel distances of more than 5 kilometers to the nearest business center.

Chipo will use this loan to purchase stock for her shop in bulk. She will purchase supplies such as sugar, salt, soap, school bags, plasticware and other general grocery supplies. She also plans to expand her shopping space and build her own so she can stop renting the space she is currently using. Finally, she can transform her store into a supermarket with a hardware section, which will stop villagers from travelling 60 kilometers to the nearest town to get seasonal supplies for the cropping season.

PENYA assists borrowers with entrepreneurial skills training through the Start and Improve Your Business (SIYB) Program. PENYA also helps them form Village Savings and Loans Associations where they save proceeds from their businesses that will then become the future sources for additional loans and business investments. Finally, PENYA carries out mentoring and monitoring visits to ensure that the businesses are being run viably. Through linkages created with extension workers and some buyers, PENYA borrowers have access to further training in the production and selling of their produce.



Loan details


Lenders and lending teams



Loan details