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Fred, aged 28, has four children and two dependants from his late brother who died four years ago. All his children and dependants are in school and depend on him for survival. As he has such family responsibilities, Fred has resorted to serious banana farming producing many bunches of matooke (a variety of banana) each month to supply the nearby schools and hospital. This activity has made it possible for Fred to afford to pay school fees for his children and to look after the whole family. Through farming, he has also managed to build a semi-permanent house but it’s not yet finished so he wants to take out a loan of 2,000,000 UGX to complete his house.

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
  • 2,547.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Fred to buy paint and lime, and hire labour to complete his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 17, 2013
Oct 13, 2013
Currency Exchange Loss:
Nov 17, 2014