A loan helped to purchase a Zoona trading booth and add to the funds that he uses to serve customers so that he can increase his revenue.


Emmanuel's story

Emmanuel is 53 years old. He is happily married to his wife Deacy and they have four children. Emmanuel is an entrepreneur. He runs his own Zoona mobile money transfer business. His business provides financial services to people in his community that do not have access to banking.

Emmanuel is a qualified Accountant. He studied at the University of Copperbelt in Zambia. He then worked as an Accountant for various organisations. He retired in 2012 and started running his business.

Emmanuel loves his business because it gives him a chance to learn a lot of things from the different people he meets on a daily basis. He says his community benefits from his business because they do not have to move long distances to access financial services and his services are very easy to use and not intimidating. He has one Zoona outlet and employs one person to help him with the day-to-day transactions.

Emmanuel’s biggest challenge is that he does not have enough money in his business to service his customers and the trading booth he is using to transact is not one that he owns. He is, therefore, requesting his first Kiva loan to help him purchase a Zoona branded trading booth. The booth will cost him $950 USD; he will use the rest of the money to serve customers with the additional float.

Emmanuel is excited to be connected to Kiva lenders. He sees this as a huge opportunity for the growth of his business. He is hopeful that once his loan comes in, he will serve more customers and earn more profits. The profits help Emmanuel to take care of his family. His dream is to expand his business to places that do not have mobile money outlets yet.



Loan details


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Loan details