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Kellen is 27 years old, divorced, and has one child. She is a resident of Busega, an area on the outskirts of the city. She also takes care of her sister’s child, due the death of her sister three years ago. She has the responsibility of paying for his tuition on top of meeting all her other needs. Kellen started her own business because she could not afford tuition to continue her university studies, and could not find a job to support herself. She has hopes of expanding her business into wholesale so as to increase her income and also complete her house.
Her dream is to finish her house, but she can not save the money all at one go. This is the reason she needs the loan of 4,000,000 shillings. She will be able to live in it with her son and the dependent, therefore she will reduce her rental expenditure which is costly in the city.
It is because of this challenge that she wants to be funded. In order to complete her house, it needs to be roofed and furnished. She will use profits from the business to repay the loan.
Her neighbours recommend her for being a hardworking, determined and supportive person in society at such her tender age.

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
  • 2,639.8
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,525 helped Kellen to buy building materials for her residential house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 12, 2013
Apr 3, 2013
Currency Exchange Loss:
Nov 17, 2014