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Joyce
Joyce is 45 years old and lives in the town of Pakwach in the Arua region of Uganda. She is married and has four children, three of them currently in school. For the past 15 years, Joyce has been working hard to manage her retail shop, which sells bags and home products.

To help expand her business, Joyce has requested a loan of 2,500,000 Ugandan shillings from BRAC Uganda. The loan will be used to buy more bags and home products like plates and saucepans for resale, and will help Joyce to generate greater profits and pay school fees for her children. Joyce hopes that in the future she will be able to run two businesses of the same kind.

Joyce is a member of BRAC's Small Enterprise Program (SEP). The program primarily serves small entrepreneurs like Joyce who do not have enough collateral for commercial loans but have businesses that have grown too large for microloans.

Additional Information

About BRAC Uganda

This loan is administered by BRAC Uganda, a registered non-governmental organization (NGO) in Uganda that is also a part of the BRAC international network. BRAC Uganda attempts to address poverty through a holistic model, offering programs in education, health, water & sanitation, agriculture, and microfinance. BRAC Uganda’s microfinance program aims to provide the poor with easy, reliable, and efficient access to institutional financial services, and reaches over 150,000 families in Uganda. For more on BRAC Uganda, please see our partner page, and join our lending team, Friends of BRAC Uganda.

About Uganda

  • $1,800
    Average annual income
  • 322
    View loans »
    Uganda Loans Fundraising
  • $30,632,375
    Funds lent in using Kiva
  • 2,475.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Joyce to buy more bags and home products like plates and saucepans for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 17, 2012
Listed
May 10, 2012
Currency Exchange Loss:
Possible
Ended:
May 22, 2013