Tracy is a 26-year-old mother of one living with her parents in Gokwe South District, Zimbabwe. Tracy has been running her business of selling kapenta fish (dried sardines) successfully in the community for over 18 months. When she is not at her business, she volunteers as a community health trainer and a Learner Guide at the local secondary school. As a Learner Guide, she teaches students about issues that can impact their lives such as peer pressure, self-esteem, and overall well-being. With the requested Kiva loan, Tracy will make bulk purchases of kapenta fish directly from the fisheries, packing materials, and a sealing machine. This will enable her to supply local retail shops with the sardines.
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.
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.