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Julius is a second time borrower of UGAFODE Microfinance Ltd. He is applying for a loan of 600,000 UGX. He lives in one of the slum areas of the city with his two children aged 6 and 17 years. The children's mother is in the village looking after cattle. He does laundry for people in Kampala as his main source of income. It is this business that has made him able to feed and educate his children and pay rent for the premises where he stays and works. He applied for the loan to renovate his parents’ home in the village which is apparently in a sorry state.

His future plan is to purchase washing machines that help him do the washing easily on top of purchasing land and building a residential building on it.

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
  • 241
    View loans »
    Uganda Loans Fundraising
  • $31,040,150
    Funds lent in using Kiva
  • 2,665.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Julius to renovate his parents' house.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 21, 2013
Feb 25, 2013
Currency Exchange Loss:
Aug 17, 2013