A loan helped a member to restock groceries from wholesalers in South Africa in bulk for resale at her shops. Groceries have small profit margins, hence the need to move volumes.


Zuva Group's story

Whilst it is always a good idea to buy in bulk, this is not practicable or possible all the time. Some families cannot afford to buy in bulk, but live one day at a time, buying today the goods needed tomorrow. For these daily needs or top-ups, individuals cannot be walking long distances or getting into public transport to purchase them. This is where individuals like Doreen come in. They have tuck shops or mini shops in their houses or along roadsides and provide easy access to the daily goods like bread, etc. They are lifesavers to many people, especially in the high-density areas, as they provide bread, airtime and other daily needs at their doorstep.

Doreen is 41 years of age, married, and a mother to six boys, five of whom go to school. She saw the need to help her spouse in supporting and educating their offspring and she started a small business. She started a business as a fruit and vegetable vendor, also selling dried goods. Her husband provided the start-up capital. In the year 2007 she saved money from her business and ventured into cross-border trading. She crossed to South Africa and Botswana, buying clothing for resale in Zimbabwe. She then managed to erect a secure built-up structure for selling groceries to people around her neighbourhood. She continued crossing borders, now also restocking groceries and snacks from South Africa as they are cheaper there, reselling them in her tuck shop. Her hard work has given her good returns and has enabled her to pay school fees on time and not be entirely dependent on her spouse for her daily needs. Her husband is proud of her achievements as this has lightened the load he was bearing while he was the sole breadwinner.

Doreen is a member of Zuva (meaning sun group). The group is based in Glenorah A, a high-density suburb in Harare. The group has attended trainings at Thrive and have realised the importance of record keeping. With her loan, Doreen is planning to restock groceries from wholesalers in South Africa in bulk for resale at her shops. Groceries have small profit margins, hence the need to move volumes, which is what Doreen wants to do.

In this group: Ethel, Doreen, Theresa, Angeline


This loan is special because:

It helps women access affordable funding with targeted business training.



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Loan details