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Ihuriro Women's Group, Ntungamo
In this Group: Jowelia, Jane, Nuliat, Adam, Hanifa, Jalia, Hajj, Ayubu, Hanifa, Annet, Janet, Aisha, Mohammed, Elias, Issa, Mohammed*, Aisha, Beatrice
* not pictured
Very hardworking M. Jowelia has been operating a produce-sales business from Ihuriro cell, Ntungamo, for a period of nine years. Looking back, this happily married mother of six children recalls how her business flourished at the start.

Times have changed, however, as the business now is showing diminishing returns due to hard financial times. Jowelia now makes 120,000 Ugandan shillings in a month. This is in contrast to what she was making at the beginning.

There is always a story associated with people in western Uganda who, despite laboring under such tough times, find a way of educating their children. Jowelia is no exception to this. She has not given up despite this and it’s partly the reason why she is still in business.

What Jowelia 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 assistance of this loan. This will help improve her revenue and also put her in a better position to pay her children’s school dues in the future.

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
  • 284
    View loans »
    Uganda Loans Fundraising
  • $31,111,650
    Funds lent in using Kiva
  • 2,242.5
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Ihuriro Women's Group, Ntungamo's $2,700 loan helped a member to purchase more stock for resale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 20, 2010
Jun 15, 2010
Currency Exchange Loss:
Oct 16, 2010