A loan of $475 helped to add more money to serve more customers who need to access financial services at her booth.


Esther's story

This is 24-year-old Esther. She is friendly and works very hard to take care of her family. She lives at home with her mother, father and twin sister. She runs a Zoona mobile money transfer business in Chilanga, a town located 20 km away from the Zambian capital city of Lusaka.

Before running her own mobile money business, Esther worked as a cashier for a lending financial institution. She used her salary to take herself to school and obtained a certificate in Banking and Finance. Her experience helps her in the day-to-day running of her business.

Esther says her community benefits from her business of mobile money transfers because they do not have to travel to the big city of Lusaka, as they used to in the past to access financial services. She is very pleased with the business because it allows her to have a minimum income at the end of the month to pay for rentals.

Esther is pleased to be connected to the Kiva lenders and have the opportunity to access working capital support. She explains that even though she has been running her business for three years now, it has not experienced a lot of growth. This is due to the fact the she does not have enough money in her business to serve customers who want to send and receive larger amounts of money. Currently, Esther is operating with a very low amount of capital reserves. This is not enough because mobile money is becoming more popular and the demand for the product has increased.

Esther is requesting a Kiva loan so that she can grow her business, by adding money to enable her to serve more customers. With increased working capital, Esther is confident she can earn additional profits, grow her business, and provide better for herself and family.



Loan details


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Loan details