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Nyamutaba 1 Twimutsyane, Ntungamo Group
In this Group: Bernard, Evate, Wilson, Francis, Elon, Medrid, Wycliff, Asanasio, Naboth, Patience, Henry*, Jovanta, Didas*
* not pictured
B. Bernard is a determined and hardworking married father of eight children. He has been operating a local-brew sales business for over twenty-three years in Nyamutaba Trading centre, Ntungamo.

Bernard says he began his business from the small savings he got from group savings that he made in the past with friends. This helped him to begin his first sales of the local brew commonly known as waragi here in Uganda.

Bernard describes his customers as good ones who give him a ready market for his local brew. He sells to bar owners in the area, earning him 320,000 Ugandan shillings.

Bernard is currently faced with the big challenge of finding transport as he looks at ways of supplying an expanded market. Therefore, his motive in requesting this loan is to use it to assist in the purchase of transportation means like a motorcycle or pickup truck for his business so as to improve his sales revenue.

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
  • 226
    View loans »
    Uganda Loans Fundraising
  • $32,044,650
    Funds lent in using Kiva
  • 2,252.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Nyamutaba 1 Twimutsyane, Ntungamo Group's $1,875 loan helped a member to contribute towards the purchase of a vehicle for his business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 23, 2010
Sep 8, 2010
Currency Exchange Loss:
Feb 15, 2011