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Bwambara Women's Group, Rukungiri
In this Group: Jovia, Wilson, Gad, Godfrey, Peninah, Margret, Jackson*
* not pictured
Very hardworking T. Jovia has been operating a produce sales business from Rushaya in Rukungiri for a period of thirteen years.

With nostalgia, this happily married mother of six children recalls how her business basked in high profits at its outset. Times have changed, however, as the business now is showing diminishing returns, earning her 120,000 Ugandan shillings monthly on average. This is in sharp contrast to the 250,000 shillings she says she was making at the start of her business.

There is always a story connected with people in western Uganda who, despite laboring under such tough times, find a way of educating their children. Jovia is no exceptional to this. What she is looking forward to now is the prospect of enhancing her business by buying more maize, beans, rice, millet, cassava, and other crops with the help of this loan.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Uganda

  • $1,800
    Average annual income
  • 204
    View loans »
    Uganda Loans Fundraising
  • $31,441,175
    Funds lent in using Kiva
  • 2,207.5
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Bwambara Women's Group, Rukungiri's $1,375 loan helped a member to purchase more stock for her store.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 25, 2010
Jun 2, 2010
Currency Exchange Loss:
Oct 16, 2010