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John a married man, age 32, with two children who are both in school.

John is a businessman who operates a retail shop at Kamuli Trading Center. He says he works seven days a week. He also has rentals in Kamuli, which is also a source of income for his family. He started this business in 2007 and he says it has been prosperous.

John says that the reason why he started this business is to take care of the needs his family and he acquired this loan to obtain a piece of land on which he will construct his residential house.

He says that his main clients are from different areas surrounding Kamuli and the community in which he stays. He faces a challenge of bad debtors and describes himself as a hard-working and resilient man.

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
  • 210
    View loans »
    Uganda Loans Fundraising
  • $31,373,750
    Funds lent in using Kiva
  • 2,600.0
    Uganda Shillings (UGX) = $1 USD
A loan of $1,925 helped John to obtain a piece of land on which to construct his residential house.
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 15, 2013
May 30, 2013
Currency Exchange Loss:
Jun 29, 2013