Ruth Lukyamuzi's Group

Ruth Lukyamuzi operates a hotel (note: "hotel" often means "restaurant" in Uganda). She wants the loan to purchase a fridge, chairs, and tables so that she can accommodate more customers and get more profits. She looks after 5 children.


Background on BRAC and BRAC Uganda


BRAC (Building Resources Across Communities) is a development organization that began operations in Bangladesh as a small-scale relief and rehabilitation project in 1972 to help the country overcome the devastation and trauma of the liberation war and focused on resettling refugees returning from India. Today, BRAC has emerged as an independent, virtually self-financed paradigm in sustainable human development. It is one of the largest Southern development organizations employing over 100,000 people, 61% of which are women, and working with the twin objectives of poverty alleviation and empowerment of the poor. Diagnosing poverty in human terms and recognizing its multifaceted nature, BRAC approaches poverty alleviation with a holistic approach.


The successes of BRAC in the international development arena have stimulated a series of discussions, both with African delegations, who have visited BRAC programs, and with donors who work in Asia and Africa. Both the African countries and the donors have encouraged BRAC to join the development campaign in Africa to achieve the Millennium Development Goals (MDGs) and more recently to join the campaign of “ending poverty”, which is an area where Africa represents the greatest global challenge.


In Uganda, BRAC registered as a Non Government Organization (NGO) in January 2006 to undertake programs in Education, Health, Water & Sanitation, Agriculture & Livestock and Microfinance. The Microfinance and Education are the pioneer programs launched in Uganda and, as of July 2007, had served 21,273 borrowers and enrolled 1,155 adolescents in its education program.



About Group Loans
In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a group guarantee. Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. Learn more

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