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Rushuma Twimukye Group A
In this Group: Amos, Annet, Stanley, Apollo, Julius, Feddy, Abraham, Vicent, Aficano, Lovius, Gabriel, Oliva, Syriri, Amos*
* not pictured
Thirty-two-year-old Amos has been in the food sales trade for the last 5 years in Kihihi. For the most part he sells maize, rice, bananas and cassava on the various food markets in Kihihi. These are foods that the father of 3 grows on his small farm in his home village. Previously most of the crops he grew were for home consumption. The need for income compelled him to try his hand at this business. His advantage, as already highlighted, is the fact that he was already involved in farming. He made a decision to start selling some of the crops he grew, even if it was small scale.

Hard work and determination have also propelled him to greater heights in this business. The fact that he works hard to maintain the high fertility of his farms by constantly applying high-grade manure is not only helping him now but will also in the future. This means his business, barring all other factors, will remain in good stead.

The success he has achieved so far has not come easily, however, and he is also not about to rest on his laurels any time soon. Amos says amongst the many problems he has to reckon with is the constant fall in food prices. This has affected his business. First, when prices fall in a highly competitive business like his, he says they are able to sell more but the accrued income still remains low. This also means that even the most established of food traders are likely to lose their clients should they not reduce their prices.

He also mentions the fact that he has had to bear with a situation where his operational costs are higher than his incoming sales profits at times. Through all this, Amos, being the calm man that he is, has always remained philosophical.

Weekly, he says this business's gross profits total up to 120,000 Ugandan shillings.

Amos says he intends to utilize this Kiva loan to purchase sorghum and millet seeds to plant on his farm. He says he will be able to make more sales revenue by selling the aforementioned crops as they sell highly on the food markets at present.

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
  • 233
    View loans »
    Uganda Loans Fundraising
  • $31,033,550
    Funds lent in using Kiva
  • 2,555.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Rushuma Twimukye Group A's $3,850 loan helped a member to purchase sorghum and millet seeds to plant on his farm.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 24, 2011
Jul 21, 2011
Currency Exchange Loss:
May 10, 2012