A loan of $1,800 helped a member to purchase a drip kit, seedlings and fertilizers as well to construct a mushroom growing house.


Shammar Group's story

This group is made up of cousins from three families living in the same village. They range in age from 18 to 26 years old. The group members are not employed and have been relying on seasonal casual labour as a source of income. They came together to start this group so that they could make more money from their farming activities. They are undertaking horticulture as their income-generating project, which is located on one of the member’s homesteads. From the proceeds of their project, they will raise income for their families. They intend to use this loan to purchase a drip kit, seedlings and fertilizers as well to construct a mushroom growing house. From the proceeds of the first crop under drip irrigation, they intend to purchase mushroom spores and increase the area of their cropping under drip irrigation. The group plans to increase the area under drip irrigation from 250 to 750 square meters, by purchasing more drip kits over the next two cropping cycles (six to eight months from now). With the introduction of mushroom production into their business, they aim to supply the local market as well as food outlets. They also would like to use the proceeds from their business to build their own houses so that when they start their own families they are staying on the same homesteads with their parents or relatives. Simelukuthula (the group leader) is a young woman aged 26 and has twin children, a girl and a boy, aged two. She currently stays on her own as her husband migrated to South Africa in search for employment. However, since he migrated a year ago, he has struggled to find permanent employment and has therefore been unable to send any money to support the children he left behind. Simelukuthula has thus been engaged in trading a variety of trinkets from which she raises money to take care of her children. With proceeds from this loan, it is her hope that her income will increase and she will save to purchase household assets and build her own house. 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 of 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.

In this group: Simelikuthula , Robin , Tinotenda
*not pictured



Loan details


Lenders and lending teams



Loan details