Selling second-hand clothes

Serah Muzyoka

Livingstone, Zambia

100% repaid



Serah Muzyoka

Member since

August 2018

On-time repayments

104 installments  •  57%

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 get this loan it will help me increase my orders of second hand clothes and it will help me easily meet my transport costs.

Income Source

I agree with you that many business are really struggling and my business may not be an exception but however I would like to state that our government has really helped us by not closing our business operations, so we are trading normally adhering to the health guidelines and so we are able to make some profits.The other way I will be able to pay back is that I have other income generating ventures that will assist me pay back.





  • 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.

    Log in to reply • Share


Loan Info

Project Type

Classic Loan

Disbursed amount


Date disbursed

Aug 22, 2020

Repayment status

On Time

Projected term

6 months

Cost to entrepreneur

Service fee: $16.56

Credit risk payment: $14.91



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