Zarina Abdulghani

Zarina Abdulghani is a widow with three children. When her husband died unexpectedly she had just given birth to the third child and she was left with the sole responsibility of providing for herself and her children. This is no easy task for a woman in Uganda but Zarina was determined and remarkably managed to obtain a job as a housekeeper in Kampala. It was through this job that she was introduced to Life in Africa and she has been an active member for the last five years.



Zarina saw value in building rental properties as a way to provide for her children's education. She managed to secure several loans through Life in Africa and built a solid housing unit in a poor section of Kampala. She has several tenants living in her property now and she was able to responsibly pay back all her loans. She earns an income from this property of shs. 200,000 ($111) each month. But the house is not yet plastered. She wants to finish the outside properly now to ensure that her tenants have quality housing for their families and to insure the value and durability of her investment.



Zarina is seeking a loan in the amount of shs. 800,000 ($475) to complete the plastering of the property. Her budget is listed below.



20 bags of cement @ 17000= 340000=

sand 80000=

labor 300000=

transport 50000=

other expenses 30000=

Total 800000=



Based on her current income, Zarina will be able to pay off this loan in 4 months. She has desig-nated 1/4 of the interest she pays to support craft skills development workshops at Life in Africa, which she enjoys taking part in.




About Housing Loans
Many poor families are financially unable to purchase a house that meets their needs. Housing loans funded on Kiva give families access to capital to improve their homes and an opportunity to pay loans back at a pace that they can handle. The housing and small business loans featured on Kiva share a common purpose: they alleviate conditions of poverty and enable families to lead more stable lives. Learn more

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