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James is 40 years married with 9 children and 3 dependents. He is an agriculturalist who majors in cattle fattening in his region and owns 30 cows. Alongside cattle fattening, James carries out coffee growing on a large scale where he owns 4 hectares of coffee plantation. This has helped him to look after his family and also paying of school fees for his 2 young brothers due to the inability of the parents to look after them because they are aged.
James is applying for a loan of 4,000,000shs to buy materials for finishing up his house and be able to have a decent living together with his increasing family.
James’s major challenge is the poor housing condition at the moment with his nine children, James lacks a decent house. “My house can’t accommodate my large family. Given 4,000,000, I will be able to finish my house and live a happy life,” said James.
His dream is to own one of the largest farms in his region producing 300 liters of milk a day.
James is honest and a hard-working 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
  • 231
    View loans »
    Uganda Loans Fundraising
  • $31,010,850
    Funds lent in using Kiva
  • 2,560.0
    Uganda Shillings (UGX) = $1 USD
A loan of $1,575 helped James to buy construction materials.
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 10, 2013
Sep 28, 2013
Currency Exchange Loss:
Oct 28, 2013