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Joice's Group
In this Group: Joice, Grace, Rose, Shamim, Anita
Joice's group is comprised of five hard working women. Joice is 19 years old and lives in the town of Hima in the Fort portal region of Uganda. She is single and has one child. For the past three years, Joice has been working hard to manage her retail shop, which sells sugar and soap.

To help expand her business, Joice has requested a loan of 300,000 Ugandan shillings from BRAC Uganda. The loan will be used to buy more essential commodities like milk, bread, sugar, and soap for resale and will help Joice to generate greater profits and pay for her medical expenses. Joice hopes that in the future she will be able to build a house.

Joice is a member of BRAC's Empowerment and Livelihood for Adolescents (ELA) program. In addition to microfinance loans, the program provides both a safe place for young Ugandan women to take part in group activities and a forum for life-skills training. The ELA program has increased Joice's future prospects by helping her to learn how to save money.

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.

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
  • 136
    View loans »
    Uganda Loans Fundraising
  • $31,940,600
    Funds lent in using Kiva
  • 2,479.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Joice's Group's $1,100 loan helped a member to buy more essential commodities like milk, bread, sugar, and soap for resale.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
May 23, 2012
Jun 21, 2012
Currency Exchange Loss:
Mar 15, 2013