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Joyce
Joyce is 45 years old and lives in the town of Kachwamba in the Fort Portal region of Uganda. She is widowed and has 5 children, one of whom is currently in school. For the past 26 years, Joyce has been working hard to manage her small clothing business.

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 clothes for resale, and it will help her to generate greater profits and pay for her children's medical bills. Joyce hopes that in the future she will be able to build a house on her other plot of land.

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
  • 309
    View loans »
    Uganda Loans Fundraising
  • $30,615,075
    Funds lent in using Kiva
  • 2,485.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Joyce to buy more clothes for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 12, 2012
Listed
Aug 12, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 27, 2013