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Nkondo Tukwatanise Group
In this Group: Geofrey, Justine, Privato, Annet, Eunice, Pastori, Jirivasio, Grace, Andrian, Jovanith
Annet is a single mother who lost her husband in 2002. She has four children whom she takes care of in addition to some of her brother’s sons who stay her with because they need a location nearby their school.
She operates a business selling second hand clothes and earns capital of 500,000 which she uses to look after the family. As part of the Nkondo Tukwatanise Group's total loan, Annet applied for a loan of 1,000,000 Ugandan shillings to add more stock of second hand clothes to her inventory which she plans to sell during the festive season. She is confident she will make big sales since the clients will be buying many Christmas clothes. Her customers are people surrounding Rubindi and other neighboring towns and villages.
She is a very hardworking lady but faces challenges including insufficient capital to expand her business. In addition, it is a challenge when her children fall sick and she cannot work, which affects her income.

Additional Information

More information about this loan

This loan is part of UGAFODE's program for clients who live in isolated rural areas with limited access to financial services. Uniquely, UGAFODE focuses its efforts on agricultural areas in Uganda that are over 50 km from their branches, providing loans to both groups and individual borrowers. The organization believes that the risk of offering services to remote clients is outweighed by the benefits to customers and their often underserved communities.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About Uganda

  • $1,800
    Average annual income
  • 188
    View loans »
    Uganda Loans Fundraising
  • $31,394,250
    Funds lent in using Kiva
  • 2,537.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Nkondo Tukwatanise Group's $3,125 loan helped a member to buy clothes to sell second hand.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 13, 2013
Nov 27, 2013
Currency Exchange Loss:
Aug 17, 2014