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Flora is 48 years old and lives in the town of Ntungamo in the Mbarara region of Uganda. She is widowed and has four children who are all currently in school. For the past 14 years, Flora has been working hard to manage her retail shop/bar in which sells sugar, salt and cooking oil.

To help expand her business, Flora has requested a loan of 2,000,000 Ugandan Shillings from BRAC Uganda. The loan will be used to increase stock of essential commodities such as milk, cooking oil, sugar and beer in order to attract more customers. It will help Flora to generate greater profits and pay school fees for her children. Flora hopes that in the future she will be able to expand her business into a wholesale shop.

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

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
  • 204
    View loans »
    Uganda Loans Fundraising
  • $31,442,275
    Funds lent in using Kiva
  • 2,655.9
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Flora to increase stock of essential commodities such as milk, cooking oil, sugar and beer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 11, 2012
Dec 21, 2012
Currency Exchange Loss:
Jan 19, 2014