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Ruth's Group
In this Group: Margret, Ruth, Korreth, Scovia, Joventa
Ruth’s group has received trainings on better farming practices through YICE’s farming-as-a-business training project, and it is one of YICE’s women self-help groups in Namabale village. The group leader is Ruth (center); all of the group members have small farming enterprises and come from the same village. Members of this group grow different crops, but they work as a team and help each other on their small farms.

Ruth is 57 years old and married with six children. Ruth has been farming since she was 15 years old, but she believes that she has never yielded enough at harvest because she has always used poor quality local seeds and never used any fertilizers.

Ruth asks for this loan to buy good quality seeds, fertilizers, and pesticides and to access more training on better farming methods. She believes with this support, her yields will increase and she will be able to help her family and improve her finances.

Ruth has a dream of training her last born to become a lawyer.

Additional Information

About Youth Initiative for Community Empowernment

Youth Initiative for Community Empowerment is a registered women and youth empowerment initiative in Central Uganda. Aiming to empower vulnerable women and young people both economically and socially, it provides training in agricultural business development and health topics. Kiva lenders’ funds are used to support training programs for vulnerable women, including single mothers and out-of-school girls, and to help them start their own farming businesses.

Youth Initiative for Community Empowerment (YICE) joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.

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
  • 231
    View loans »
    Uganda Loans Fundraising
  • $31,010,850
    Funds lent in using Kiva
  • 2,677.5
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Ruth's Group's $350 loan helped a member to pay for farm inputs like good quality seeds, fertilizers, herbicides, and pesticides.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Apr 1, 2013
Feb 26, 2013
Currency Exchange Loss:
Sep 4, 2014