Contribute to training and equipping 200 informal merchants in Mozambique with our innovative "business-in-a-box"

Your loan helps our in-country partner expand their business and catalyze financial inclusion for informal merchants in Africa.

We have recently opened the opportunity to contribute to the work we're doing in Mozambique.

Less than a fifth of adults in Mozambique are financially included. They lack of access to essential basic services such as water, electricity, and financial services. Informal merchants can provide access to these services in their local communities.

With our "business-in-a-box" informal merchants can sell prepaid mobile airtime and electricity, while also providing access to basic financial services such as savings and remittances. By doing so, merchants, whose average monthly income is USD100-250 per month increase their income by 20 - 30%.

Nomanini is using social capital via Kiva to jump start and scale our local distributors to reach more merchants and thus more consumers. The funds will be used to train and equip 200 informal merchants with our innovative "business-in-a-box".

Your loan helps our in-country partner expand their business and catalyze financial inclusion for informal merchants in Africa.

Read more or contribute now.

About Kiva

Kiva is a crowdfunding lending platform and the money you lend the merchants through Nomanini will be paid back in full within a few months. Learn more about how loans work here.

About Nomanini

As the pioneering fintech platform for the informal retail ecosystem, Nomanini connects merchants and distributors to each other and global service providers, integrating payments, working capital, and data analytics to unlock the latent potential of Africa’s economy.

Nomanini turns any mobile device into a retail point-of-sale solution for informal merchants that is connected to an interoperable merchant wallet. The interoperable merchant wallet allows merchants to offer a broad range of digital banking (including cash-in/cash-out), mobile, utility and entertainment services to their customers boosting competitiveness. In turn, digital service providers rapidly increase the scale and reach of their offerings. By generating real-time insights based on transaction data, distributors using the platform gain a single view of their merchant network, ensuring inventory is where it is needed most to improve sales. Distributors can also begin to accept payments for goods electronically, eliminating the risk and inefficiency of collecting cash. With data analytics, Nomanini helps extend working capital loans to merchants via distributors allowing them to invest in inventory to grow their businesses. The increased volume of goods and services set against reduced operational friction increases the profits for all platform participants.

Nomanini was founded in 2010 and is headquartered in South Africa.

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