A loan of $2,025 helped to increase her working capital to send and receive large amounts of monies.


Jean's story

Jean is 34 years old. She lives in a rented house with her eight-year-old son, whom she says wants to be a pilot when he grows up. Jean runs her own Zoona money transfer shops in the Kazungula and Kalomo towns of Zambia. Her business enables people to send and receive monies to and from their families and friends throughout the country. She says providing this service to people helps her pay for her rentals and son’s school fees. Jean started running her Zoona money transfer business six months ago. Business is good and she says the one thing holding her back is that she does not have enough working capital to serve her customers at the desired time. She says this makes her panic sometimes because she constantly has to run up and down trying to find some money. As a micro-entrepreneur, Jean has found it very difficult to source working capital. She explains that she had gotten a loan from a Micro lending institution but the interest was too high and it almost collapsed her business. Jean is taking out this loan so that she can increase her working capital and grow her business by serving more customers. “This Kiva loan is the only chance I have to grow my business and am grateful for this lifetime opportunity’’ Jean says. Jean has high hopes for her future. Her face brightens when she explains that her biggest dream is to see her business grow so that she can put her son through college and build her own house from the profits.



Loan details


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Loan details