MEDA Blog - Stories from the Field

Impact Stories from the Field

b2ap3_thumbnail_myself-Teddy-Sampa-and-Zoona-agent-Chika-Josi-at-his-new-booth.jpgI always enjoy getting out of the office in the busy capital city of Lusaka and visiting MEDA techno-links partner Zoona in the field. Zoona has an expansive agent network totaling over 200 agents located throughout Zambia. Seeing firsthand how these entrepreneurs are being empowered to grow their businesses is inspiring. Not only has Zoona helped increase their incomes and well-being, but it also provides a needed financial service in a country where over 84% of the adult population does not have a formal bank account

Zoona is unique against other competitors in that individuals do not have to create accounts to use and benefit from Zoona services like sending/receiving money, bill payments, airtime purchases, and receiving international remittances. All they have to do is provide their personal National Identification Card (NRC) and they can be served. This makes the barrier to utilizing the services minimal and with Zoona’s Easy, Quick, Safe platform anyone from illiterate rural farmers to Lusaka businessmen can easily understand and appreciate the simplicity of the service. 

This past week I was able to interview five agents along with MEDA M&E Program Manager Jillian Baker. Here are some of the highlights of how this techno-links funded project is making a difference for local Zambian entrepreneurs and consumers:



b2ap3_thumbnail_Constance-on-left-with-Zoona-staff-members-Nuraan-center-and-Memory-right.JPGb2ap3_thumbnail_Marjori-in-her-Zoona-shop-speaking-with-staff-member-Teddy-Sampa.jpgMarjori and her husband Dominque have been operating two Zoona outlets in the Copperbelt region of Zambia since 2009. After being trained and supported by Zoona staff their business has steadily grown. With this income Marjori and her husband re-invested back into the business and also purchased 23 hectares of land for farming to begin generating additional revenue streams. Marjori says her goal is to, “Grow her Zoona business and help others in need.” One way she is already doing this is by taking in 8 orphans to her home and paying their school fees so they can receive an education. 

Constance is a young and talented entrepreneur who after receiving training and support from Zoona has now managed to grow her business to six Zoona outlets throughout the Copperbelt region. She employs 8 female tellers who work at her shops and receive a salary as well as bonuses based on performance. When one of Constance’s tellers was pregnant she gave her three months of maternity leave fully paid. Constance understands the concept that if you treat your employees well it will not only benefit them, but also the business and her customer base. With the income Constance earns from her Zoona outlets she has enrolled in College to study for her Diploma. She also says she enjoys the feeling of independence running her own business brings. 

b2ap3_thumbnail_Zoona-agent-Mercy-at-her-booth-in-Ndola.gifMercy started her Zoona business only 9 months ago. Through training from Zoona, hard work, and direct selling she has expanded her business quickly. She already employs three tellers and recently opened a second outlet in the town of Ndola. She says Zoona has empowered her to think like an entrepreneur. She is now enrolling in College to study Business Management. When asked why Business Management Mercy said, “So I can learn more about how to be a successful business owner.” 

Perhaps the most inspiring part of doing these interviews was seeing the confidence and independence these Zambian entrepreneurs conveyed in every word spoken. This visit only reinforced my views that Zoona is living out its core belief, “we will be at the forefront of developing and empowering entrepreneurs in emerging markets.” Improved incomes for agents, local job creation, and increased financial services for the non-banked.... The list could go on and on. This is a model that works, this is sustainable impact.

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