Micro Loans For Women Impacted by HIV/AIDS, Zambia

by Power of Love Foundation
Nov 6, 2011

An Update on Power of Love's Project "Micro Loans For Women Impacted by HIV/AIDS in Zambia

Update on Power of Love's Project “Micro Loans for Women Impacted by HIV/AIDS in Zambia”

Power of Love’s micro loans program helps women impacted by HIV/AIDS take the first steps towards breaking the cycle of poverty, acquiring a marketable skill and becoming self-reliant. We would like to sincerely thank the Mary D. Fisher Fund and other donors who continue to support this program. It is with your support that we are able to provide business training and small loans to women impacted by HIV/AIDS. In addition we monitor the businesses and provide business expertise to all loan beneficiaries to ensure the success of their businesses. Your support goes a long way in improving the lives of women and families impacted by HIV/AIDS in Zambia. Microfinance has transformed the lives of many poor mothers and grandmothers in AIDS-stricken Africa and is truly a powerful tool in helping women become self-reliant.

In 2011, as a result of your support, we were able to provide business training and small loans to 50 new women “entrepreneurs” in Lusaka, Zambia. In addition we continue to monitor and provide support to the 100 women who were provided with loans and business training in 2010.

Loans provided to 50 new women “entrepreneurs” in September 2011

1. Fifty women were identified (based mostly on need and ability to run a business), who would be provided with loans and business training. A list of the 50 women is given below.

2. Business training was provided to the 50 new women entrepreneurs in September 2011. Training was provided in 2 sessions with 25 women in each session. The 5-day business training was attended and completed successfully by all 50 women.

3. On September 15, 2011 loans were provided to 50 women in the amount of approx. $130 each. The women have started making repayments and we expect that the loan cycle will be completed in 6-8 months.

4. Some of the businesses started by the women are:

a. Groceries (Mille meal, rice, sugar, cooking oil, soap, vegetables, dried fish, dressed chicken, popcorn), b. Used goods (clothes, shoes, handbags), c. Hair salon/ Barber shop, d. Cell phone covers and chargers.

Attached is a picture of one of the women's new hair salon. She now works with her sister and both are building financial stability for their families. The salon owner is proud of her hard work and successful outcome and enjoys giving her clients pleasant feelings about their appearance and contributing to their happiness.

Mechanics of the Micro Loans Program:

The small loans and business training and monitoring successfully enable women to engage in self-employment projects. Loan beneficiaries (a total of 150 women) meet weekly with the loan officer to make loan repayments, and discuss business related issues and issues related to HIV/AIDS, schooling of chidlren with other women entrepreneurs and the loan officer. In addition, individual women meet regularly in groups of four which helps to aid in decision making and provide support for each other. Loan repayments are made in 25 weekly installments. The women who are eligible may receive up to 3 loans over 1 ½- 2 years. At present there are 150 loans in process with a 85- 90% repayment rate @ 10% interest.

Impact of the Micro Loans Program

On average each women provides care to 7-8 people in her household. This means that the total of 150 loans benefit 1100 people directly and an additional 1100 people indirectly as our loan beneficiaries talk to other women and encourage them to go in or testing, take medicines and start a new business to become self- reliant. These loans help a poor household meet basic needs, protect against unexpected financial expenses and help keep the children in school. For some women there is a dramatic improvement in standard of living so they may even graduate out of poverty. For all involved there is perceived improvement in gender equality, improved economic welfare, and a sense of wellbeing and self-empowerment. Some of our women entrepreneurs have become role models not only for other women in the community but for men as well. All of the above indicate that this program is making a significant difference in the lives of several thousand people in Zambia and we expect this change to be sustained over a long period of time.

Appendix - Names of New Women Entrepreneurs Provided Loans in 2011


1 Jane Phiri

2. Nancy Simukonda

3. Brenda Mwansa

4. Diana Chulu

5. Elestina Z. Moyo

6. Mary Malunga

7. Claudia Fellouis

8. Mary Ngoma

9. Milika Mwanza

10. Adina Miti

11. Malibisa Malibisa

12. Mary Mbinda

13. Bethar Shumba

14. Alice Miti

15. Caroline Mumba

16. Getrudy Mvula

17. Esther Tembo

18. Florence Kwanja

19. Margaret Zinkata

20. Monica Makolesa

21. Esther Matukuta

22. Fllornce Nzumba

23. Ireen Chikota

24. Doreen Phiri

25. Ireem Chuma

26. Wintness Nyirongo

27. Dorothy Mbewe

28. Pamela Chiwe

29. Anna Muyanga

30. Agnes Kakoma

31. Helen Temo

32. Susan Zulu

33. Sharon kunda

34. Mwenya Chilekwe

35. Malesiyana Bunda

36. Mary Ngoma

37. Eunice Banda

38. Musanide Mwenda

39. Margaret Lungu

40. Chewe Chota

41. Josephine Ngulube

42. Ines Mwale

43. Doreen Chipasha

44. Jane Mulenga

45. Faides Khuni

46. Juatina Banda

47. Alice Mudima

48. Charity Cuma

49. Erika Kayuni

50. Doric Cheleshe



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Organization Information

Power of Love Foundation

Location: San Diego, CA - USA
Website: http:/​/​www.poweroflove.org
Project Leader:
Alka Subramanian
San Diego, CA United States
$24,090 raised of $30,000 goal
266 donations
$5,910 to go
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