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Joy O. is 33 years old. She is married and has 3 children. She and her family live in Benin city, in Edo state, Nigeria. She sells crates of drinks in either wholesale lots or at retail, to her customers. Joy is requesting the loan amount of N102, 000 to purchase additional supplies of drinks for resale. She says thank you to all those who made this loan possible.

Additional Information

Important Information

The Kiva Field Partner in Nigeria who administers this loan is called the Lift Above Poverty Organization (LAPO). Kiva’s Staff wants to call your attention to the fact that LAPO is the subject of controversy. While all Kiva Field Partners charge an interest rate on loans to sustainably operate, LAPO’s interest rates (see their “Portfolio Yield”) and profitability (see their “Return on Assets”) are amongst the highest on Kiva. Kiva’s Staff encourages you to learn more about this Nigerian Field Partner before making this loan.

About Nigeria

  • $6,100
    Average annual income
  • 154
    View loans »
    Nigeria Loans Fundraising
  • $6,527,100
    Funds lent in using Kiva
  • 117.7
    Nigeria Nairas (NGN) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Joy to purchase additional supplies of drinks for resale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 28, 2008
Dec 17, 2008
Currency Exchange Loss:
Aug 15, 2009