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Moses is a first-time borrower with this institution. He applied for a loan of three million shillings, but only one million five hundred thousand shillings was approved.

The purpose of this loan is to put a roof on his house, which is currently under construction. He will also use part of it for his fish vending business. Moses buys fish from fish mongers who operate in the nearby bodies of water. He then sells them to markets and individuals. Moses has done this business for the last three years and has been able to purchase a plot of land on which he is constructing a house. However, Moses has problems with the fluctuating prices for fish, unreliable weather patterns, which affect the availability of fish, and limited capital, which hinders him from buying enough fish to sell. This is why he is applying for a loan. Moses dreams that with this loan, he will be able to put a roof on his house and stop renting, which is too costly for him.

The picture shows Moses holding one of the fish he sells.

Additional Information

More information about this loan

This loan is part of UGAFODE”s Micro Mortgage Loan program.  Many of these clients are currently renting and these loans allow them to own their home and provide for their families. This may be their first home, or renovation to homes not fit for habitation.  By building and renovating, borrowers who utilize these loans have improved health and safety through a stronger structure and better protection from the elements.  UGAFODE offers these loans to cover essential costs like labour and material so borrowers can provide adequate shelter and sanitation facilities for their families.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Uganda

  • $1,800
    Average annual income
  • 194
    View loans »
    Uganda Loans Fundraising
  • $31,415,275
    Funds lent in using Kiva
  • 2,605.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Moses to complete his house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 15, 2012
Oct 19, 2012
Currency Exchange Loss:
Aug 17, 2013