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Update on Josepha

Josepha is 29. She is married with three children. She sells foodstuffs and has spent eight years in the business. With the loan, she would like to buy more corn flour, soaps and salt for sale. The profits from the business will be used for renovating her house. She was very happy about her previous loan and she bought a lot of corn flour which she then sold and boosted her business.

Previous Loan Details

Josepha is a 28-year-old, married Rwandan entrepreneur. She has 3 children, who are between the ages of 4 and 8. All of her children are in school, while she and her husband run a business together. For the past 4 years, she has operated a general store, where she sells soaps, beans, salt, and ... More from Josepha's previous loan »

Additional Information

About Urwego Opportunity Bank of Rwanda (UOB)

Urwego Opportunity Bank (UOB) helps underserved Rwandans by providing its clients with the necessary credit and savings capabilities required for economic transformation. It offers credit products, including group and individual loans, as well as training in business development, financial literacy and health management. UOB loan products leverage social collateral since most group members have little to no collateral.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Rwanda

  • $1,700
    Average annual income
  • 17
    View loans »
    Rwanda Loans Fundraising
  • $15,715,100
    Funds lent in using Kiva
  • 673.5
    Rwanda Francs (RWF) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Josepha to buy more corn flour, soaps and salt for sale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 20, 2013
Dec 21, 2013
Currency Exchange Loss:
Jun 17, 2014