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Grace Doe 
A Kiva Borrower
Grace’s Home 
• Grace is from Lusaka, Zambia, 
located in Southern Africa, a town 
with a population of 1.4 million, 
and is one of the fastest developing 
towns in the area. It’s community 
is very diverse, and it is rapidly 
becoming a rallying point for 
growth in Zambia.
Grace’s Life 
• Grace is a 49 year old married 
mother of six. Her husband is a 
college professor and two of her 
children are in college, and the 
youngest two are in secondary 
school and remain under her and 
her husband’s care. 
• Grace has been a hard worker, 
devoted mother and wife and is 
known to be forgiving, loving, and 
an excellent listener. Bolstered by 
her spirit and enthusiasm for hard 
work Grace opened her market 
three years ago, after running a 
market stall for many years.
Grace’s Market 
• Grace’s market does fairly well, but 
Grace would like to further serve the 
needs of her community and expand 
her product list to include cookware 
for locals to purchase, and also fuel for 
some of that cookware in the form of 
biomass pellets. 
• The biomass, or fuel pellets, are high 
efficiency, relatively low cost for now, 
and have a lower impact on the 
environment in terms of greenhouse 
gas emissions. They are also fairly 
widely available in Europe and are 
increasing in popularity as a heating 
source, with the UK government 
giving subsidies to those that use the 
pellets and purchase them from 
approved sources.
Grace’s Goals 
• Grace wants to expand her market 
and bring new products to her city 
in order to increase her competitive 
edge and viability as a small, 
independently owned market in a 
rapid growth economic 
environment. 
• Grace would like to see her 
business thrive, not only for her 
community, but for her children as 
well, whom she hopes will take over 
the business so that one day she 
can retire to her own farm, 
continuing to work for and supply 
her city.

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Kiva project mockup

  • 1. Grace Doe A Kiva Borrower
  • 2. Grace’s Home • Grace is from Lusaka, Zambia, located in Southern Africa, a town with a population of 1.4 million, and is one of the fastest developing towns in the area. It’s community is very diverse, and it is rapidly becoming a rallying point for growth in Zambia.
  • 3. Grace’s Life • Grace is a 49 year old married mother of six. Her husband is a college professor and two of her children are in college, and the youngest two are in secondary school and remain under her and her husband’s care. • Grace has been a hard worker, devoted mother and wife and is known to be forgiving, loving, and an excellent listener. Bolstered by her spirit and enthusiasm for hard work Grace opened her market three years ago, after running a market stall for many years.
  • 4. Grace’s Market • Grace’s market does fairly well, but Grace would like to further serve the needs of her community and expand her product list to include cookware for locals to purchase, and also fuel for some of that cookware in the form of biomass pellets. • The biomass, or fuel pellets, are high efficiency, relatively low cost for now, and have a lower impact on the environment in terms of greenhouse gas emissions. They are also fairly widely available in Europe and are increasing in popularity as a heating source, with the UK government giving subsidies to those that use the pellets and purchase them from approved sources.
  • 5. Grace’s Goals • Grace wants to expand her market and bring new products to her city in order to increase her competitive edge and viability as a small, independently owned market in a rapid growth economic environment. • Grace would like to see her business thrive, not only for her community, but for her children as well, whom she hopes will take over the business so that one day she can retire to her own farm, continuing to work for and supply her city.