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Update on Zephanous

Zephanous intends to use this loan to buy second-hand clothes. He has always gotten money for the same purpose and is happy with the progress of his business as his stock and turnover have greatly increased. His challenge is price fluctuation and his dream is to buy and sell wholesale.

Previous Loan Details

Zephanous is a forty-five year old married man with seven children. He owns a house in Kasese, Uganda. He has been dealing in second-hand clothes for twenty years amidst the challenge of price fluctuations. His vision is to educate his children and build another house. Zephanous intends to use... More from Zephanous's previous loan »

Additional Information

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Uganda

  • $1,800
    Average annual income
  • 259
    View loans »
    Uganda Loans Fundraising
  • $31,047,900
    Funds lent in using Kiva
  • 2,847.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Zephanous to buy second-hand clothes for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 17, 2011
Oct 23, 2011
Currency Exchange Loss:
Oct 18, 2012