Selling second-hand clothes

Serah Muzyoka

Livingstone, Zambia

100% repaid



Serah Muzyoka


Livingstone, Zambia

On-time repayments

82 weekly installments  •  65%

About Me

Am a Zambian lady by the name of Serah Muzyoka .I was born in the year 1987 in the southern part of Zambia in a rural part of a town called monze. I started my school in the year 1995 at a school called Kaloba in Monze west after which i went to do my grade eight and nine in the Western part of Zambia at a school named Limulunga Secondary school in Mongu town. After completing my grade nine I stayed for about two years without learning due to financial challenges. However i proceed with my senior grades later and i managed to complete my grade 12 in 2011 at Masuku Secondary School in southern province of Zambia , though this was done under difficulty financial challenges. I'm currently pursuing a degree programme in Special Education and English at Victoria Falls University Of Technology in Livingstone town in southern province of Zambia and I'm in my third year.

My Business

I started a business to help me support my education and the education of my children. My business deals in buying second hand clothes(bales) and then resale them. These clothes are on demand due to the fact that they affordable to most people unlike new clothes in boutique s that are expensive. I chose this business because it was easy to start even with a small capital because one can start by just ordering few clothes from people selling at a slightly lower price and resale them at a higher price and make a little profit, so you don't necessary need to buy a bale when you're starting.Currently I manage to order two bales of second hand clothes at $400 ,in a week i manage to realise $135.00 with expenses amounting to $11.00 giving me a profit of $124 per week.

Loan Proposal

When i receive this loan it will help me cover my travel costs and also increase my capital by 30% which will inturn increase my profit.

Income Source

Our country has eased on many things including business operations and i believe that it will not be that dificulty to raise the money to pay back. However in case of any thing i will still fall back on my other income generating activities to pay back the loan.





  • David    Mar 10, 2021

    Loan was originally scheduled to take six weeks. Smaller, but regular, payments were made, completing the loan in six months. Thank you for your perseverance during these challenging times.

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Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Jul 13, 2020

Repayment status

On Time

Projected term

4 weeks

Cost to entrepreneur

Service fee: 10% of $159.36 = $11.90

Credit risk payment: $9.48



Trinidad, California, United States



Nowra, Australia


Minneapolis/StPaul, United States


United Kingdom

Babbitt Family Foundation

Sioux Falls, SD, United States

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Amount repaid


Amount remaining


Date repaid

Aug 15, 2020


Fully repaid

Repayment History

Expected Payments Actual Payments
Jul 24, 2020 $39.86 Jul 24, 2020 $39.86
Jul 31, 2020 $39.86 Aug 1, 2020 $39.86
Aug 7, 2020 $39.86 Aug 15, 2020 $39.86
Aug 14, 2020 $39.78 Aug 15, 2020 $39.78