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Bernard is 45 years old and lives in the town of Masaka in the Masaka region of Uganda. He is married and has five children who are all currently in school. For the past five years. Bernard has been working hard to manage his retail shop where he sells sugar and salt.

To help expand his business, Bernard has requested a loan of 3,000,000 Ugandan Shillings from BRAC Uganda. The loan will be used to expand his business and buy more sugar and salt to sell he will also add in his second business of a studio. This will help Bernard to generate greater profits and to pay tuition fees for his children. Bernard hopes that in the future he will be able to meet his customers' needs.

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

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
  • 201
    View loans »
    Uganda Loans Fundraising
  • $32,028,325
    Funds lent in using Kiva
  • 2,650.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Bernard to expand his business and buy more sugar and salt to sell, he will also add in his second business of a studio.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 14, 2013
Mar 22, 2013
Currency Exchange Loss:
Mar 21, 2014