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Tobias is a male, age 47, and married to Caroline whom they have together seven children, ages 21,18,15,12,10,8, and 5.

He pays tuition for his six school-going children and stays with one house helper .

Tobias has approached Ugafode for a loan of UGX 3,000,000 to complete his residential house because he dreams of family improvement. He promises to pay after getting his salary, the sale of his agricultural products, such as bananas and trees, and the sale of pigs.

Tobias, however, faces the challenges of high costs of tuition for his school-going children, and the seasonality of the agricultural products, which is an additional source of income.

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
  • 233
    View loans »
    Uganda Loans Fundraising
  • $31,036,700
    Funds lent in using Kiva
  • 2,539.9
    Uganda Shillings (UGX) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,200 helped Tobias to complete his residential house.
99% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 25, 2013
Oct 1, 2013
Currency Exchange Loss:
Jan 17, 2015