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Aduluf is a repeat client in his fourth cycle. He is married and has four children, and all of them attend school. Aduluf applied for a loan of three million shillings to construct a simple structure store for his products. He has been in this business for the last four years, but his business lacks enough capital to construct a store and this is the reason why he applied for a loan.

After constructing the store, he will have enough space to accommodate his children as well. Apparently they are inconvenienced with sharing the small space with the bread and cakes. Aduluf's business is doing well because his products are good and he also has ready demand and market. He employs five boys who have bicycles to transport his cakes and bread to different markets. Schools, retail shops and local markets are his daily customers.

Aduluf dreams of building a very big bakery in the next five years, though he currently has challenges of competition, lack of storage facilities and the ever increasing prices of baking powder and sugar, but he is hopeful that these will be solved.

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
  • 285
    View loans »
    Uganda Loans Fundraising
  • $31,111,650
    Funds lent in using Kiva
  • 2,657.6
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Aduluf to construct a store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 7, 2013
Mar 3, 2013
Currency Exchange Loss:
Feb 17, 2014