WSIS Prizes Contest 2021 Nominee

OneMoney Digital group lending for women MSMEs


NetOne is a mobile network operator that has a digital financial services business as a stand alone business unit, it focuses on empowering economically the marginalised women through agency model, creation of a credit rating score to include the marginalised in accessing credit, it also offers data and communications services at very affordable rates for the poor as well as paternering in digital financial services plus products to bring convenience and risk mitigation amongst the masses inform of micro insurance, utilities directly accessed from the mobile financial services platform, NetOne champions innovation and makes E Commerce platforms accessible at almost for free to the marginalised creating an enabling environment to support business growth especially for women business.

Project website


Action lines related to this project
  • AL C1. The role of governments and all stakeholders in the promotion of ICTs for development 2021
  • AL C4. Capacity building
Sustainable development goals related to this project
  • Goal 5: Gender equality
  • Goal 8: Decent work and economic growth
  • Goal 10: Reduced inequalities

  • Zimbabwe



Start date

01 December 2019

End date

Not set

Target beneficiary group(s)
  • Women
  • The poor
  • Remote and rural communities
  • marginalised women


Yes it has been replicated across the country in every district and employment opportunities created to train the targeted groups. It Is organically growing.


The loans are 100 percent digital, authorised by every group member on their mobile phones and are disbursed into the group business wallet account in real time. It also creates a consolidated credit score after rating each group member and raises red flag on group members with a weak credit score providing option to remove or consider them as part of risk mitigation measures. Uniquely identified every member by the National Identity Number to mitigate risk of borrowers joining and borrowing in more than one group.

WSIS values promotion

The loan scheme proved to be highly beneficial for thousands of women's households and is a great example of support for values like equality, inclusion and diversity.

Entity name

NetOne Cellular

Entity country—type

Zimbabwe Private Sector

Entity website


Zimbabwe Women's Microfinance Bank; NetOne Cellular