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Juma is a teacher who resides a few miles from the outskirts of the city with his wife and four children who attend high school.

Juma is a second time borrower of UGAFODE Microfinance Ltd (MDI), and is applying for a loan of UGX 2,000,000. He used his first loan to complete the interior of his rental units.

He is applying for this loan to finish the exterior of his rental units and to install electricity so that they can be occupied by tenants. Once occupied, these rental units will provide him with the income necessary to meet his family's needs.

Juma has future plans of setting up two more rental units and educating his children to the highest level attainable.

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
  • 174
    View loans »
    Uganda Loans Fundraising
  • $32,013,100
    Funds lent in using Kiva
  • 2,560.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Juma to finish plastering his house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 18, 2013
Apr 21, 2013
Currency Exchange Loss:
Mar 17, 2014