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John is an old man hailing from the village of Katembe in Isingiro. He grew up without his father because his mother was neglected by her husband at an early age. Because of such circumstance, he grew up with his mother, and they have been doing business trading goats on a small scale to earn a living. Due to their hard work, they expanded, and he was able to acquire the land where they constructed a semi-permanent house 15 years ago. However, this house is getting old to the extent that it is almost collapsing on them. John is requesting a loan of 3,000,000 UGX to renovate the house to accommodate his mother and the entire family, enabling them to live in a much better condition. In the photo is John in the center, his wife on the right, and the Ugafode Credit officer on the left.

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
  • 292
    View loans »
    Uganda Loans Fundraising
  • $31,055,375
    Funds lent in using Kiva
  • 2,640.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped John to renovate his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 5, 2013
Feb 18, 2013
Currency Exchange Loss:
Nov 17, 2014