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Sarah is a handicapped person who has not allowed her status to take advantage of her and has chosen to run a business so that she meets her needs and those of her family members. She is a third-time borrower of UGAFODE Microfinance Ltd (MDI) applying for UGX 4,000,000/=. She is a married lady with five children that she looks after with the help of her husband. She operates a retail shop in the outskirts of the city for survival. Despite being disabled, she has always paid well the previous loans advanced to her.

She applied for the loan purposely to renovate part of her family house and also boost her retail shop by adding stock to it that is highly demanded by her customers. She has future plans of transforming her retail shop into a wholesale shop with the help the loans she borrows from UGAFODE Microfinance Ltd. She also wants to see her family living well. She is hard-working.She thanks Ugafode for not being discriminative of people and serving them well.

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
  • 146
    View loans »
    Uganda Loans Fundraising
  • $31,982,275
    Funds lent in using Kiva
  • 2,572.5
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Sarah to renovate her family house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 12, 2013
Aug 7, 2013
Currency Exchange Loss:
Nov 17, 2014