A loan of $2,475 helped to order more stock for his shipping container.

Terry's story

On any given day, Terry can be found at the red shipping container filled with crates of Coca-Cola, Fanta, and Sprite located at the bustling minibus
station and market of Chipata compound, Lusaka. This is Terryʼs micro-distribution center (MDC), where he sells Coca-Cola products at wholesale to local retailers.

MDCs are a distribution model that was developed by The Coca-Cola Company’s (TCCC) bottler in Ethiopia in 1999 as an innovative way to get their products to hard-to-reach urban areas. The model relies on a network of independently owned MDCs that are run by local entrepreneurs. In Zambia, entrepreneurs must invest approximately $2,500 to purchase the container and another $3,000 to stock it full of drinks to become an MDC. Today, the MDC channel represents 47% of Coca-Colaʼs distribution channel in Zambia.

Terry is 33 years old and became an MDC in June 2009 because he did not have any job security where he was working at the time. “Employment opportunities in the country were next to zero,” Terry explains. Since that time he and his wife Thandiwe have opened another location in Chazanga, and the income from the two MDCs support them and their two young children.

Terry has requested a Kiva loan so that he can order more stock for his shipping container. This will help him increase his stock and high turnover will bring him additional profit. Terry and his wife make a good team working hard to improve their family’s standard of living and provide ample opportunity for their growing children.

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