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Joy
Nsubuga Joy is aged 41 and resides in one of Kampala’s suburbs. She has one dependant, her mum of 80 years of age. Joy, together with her mum, have five two-bedroom rental units from which they derive their income. Currently their four operational units fetch a total of $356 per month, while one is pending renovation. To supplement her income, Joy operates a salon business and specializes in braiding ladies' hair.


Joy, together with her mother, wants to secure a loan worth $900 to renovate the fifth unit. This will help them fetch an extra $89 per month hence increasing their income base. The loan will be paid over a 6 month period using money realized from the rental units.

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About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Uganda

  • $1,800
    Average annual income
  • 288
    View loans »
    Uganda Loans Fundraising
  • $30,713,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD