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Balinaki Development Group
In this Group: Joy, Madina, Susan, Patrick, Rehema*, Kitimbo, Irene, Young, Annet
* not pictured
29-year-old Joy is reckoning on a new ball game for her pub business operation in Jinja after she gets this Kiva loan. The affable entrepreneur and unwaveringly diligent mother of three says since the onset, she has been on the inside lane making gradual progress in the consolidation of her business' niche. At her pub, she has an array of both hard and soft drinks to resell.

Despite her modest success, Joy says she keeps her feet on the ground, knowing the implications of complacency in her genre of business. Her success has not come easy. She has had to grapple on occasion with financial difficulties. This, she says, has been an impediment especially from the point of view of making more purchases of the most favored drinks at her pub.

Joy says she set forth in her business with moral support and a pep talk from her husband. Prior to that, Joy was more partial to farming. She still plies her farming business and she says this business plays a second fiddle role in her profit consolidation. Weekly, she says, this business generates her profits to the tune of Uganda shillings 120,000.

Joy says she intends to use this Kiva loan to purchase more crates of beer, sodas and spirits to resell at her pub.

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
  • 288
    View loans »
    Uganda Loans Fundraising
  • $31,076,375
    Funds lent in using Kiva
  • 2,650.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Balinaki Development Group's $2,250 loan helped a member to purchase more crates of beer, sodas and spirits to resell at her pub.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 12, 2011
Aug 8, 2011
Currency Exchange Loss:
Apr 28, 2012