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Thembinkosi used her entrepreneurship skills to start a business selling clothing at the local flea market in Nkayi, Zimbabwe. At age 19, she has managed to build a reliable customer base who buys adult clothing, women’s handbags, and shoes from her. Since starting the business three months ago, Thembinkosi is excited to grow her shop as it will allow her to become financially independent.
Recognizing the importance of giving back to her community, she is a member of Cama, Camfed’s alumni network. As a Cama member, Thembinkosi is a role model for young people and also helps the elderly.
With the requested Kiva loan, Thembinkosi will buy more handbags, shoes, and dresses to increase sales. In the future she wants to have her own boutique and also to further her education through the profits that she will be getting from the expanded business.

Additional Information

More information about this loan

Young women who live and work in the most impoverished, rural districts of Zimbabwe have very limited income, lack collateral and cannot access loans at affordable rates

Camfed's borrowers are young women who live and work in these remote rural areas and belong to the Cama network (the association of Camfed alumni). Most Cama borrowers will have received money management and business training through Camfed’s programs for young women who have completed high school. Borrowers will repay interest upon their loans as a "social interest" - through their volunteer efforts to enhance the quality of the education provided by their local schools.

Borrowers commit to contribute a minimum of 2.5 hours per week as volunteers. As Learner Guides, they will lead students through a new wellbeing curriculum that helps develop students’ skills and capacities for decision-making, problem solving, leadership, entrepreneurship, resilience, communication, and empathy. 

About Camfed

The Campaign for Female Education (Camfed) is an international nonprofit organization operating in five countries in Africa that focuses on eradicating poverty in rural Africa by investing in education for girls and supporting the economic self-reliance and leadership of young women. Camfed provides support for the long-term, working with individuals from primary to high school, and through the Cama empowerment and community outreach group.

Kiva lenders’ funds are used to link women living in rural Zimbabwe to the capital they need to expand their businesses, support their families and contribute to their communities.


About Zimbabwe

  • $2,000
    Average annual income
  • 12
    View loans »
    Zimbabwe Loans Fundraising
  • $3,935,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD