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Kisinsima Abetereine Group
In this Group: Laurensio, John, Topi, Noeline, Fred, Leonard, Godfrey, Joan, Francis, Karoli, Matia

Update on Kisinsima Abetereine Group

Noelibne is a dedicated woman who has been in the group for the last two cycles. She is a subsistence farmer who operates in a very rural area in the Western region of Uganda.

She grows cassava, maize, and beans on a small scale but manages to sell enough of it to earn some income to meet her family needs. She needs this loan to pay tuition for her two children to attend secondary school. She believes she will earn enough to repay the loan using income from the sale of her agricultural products. She is hard-working and thanks the group for standing by her side and for UGAFODE to agree to lend to them. All the clients in the photograph signed the client waiver forms consenting to publishing.

Previous Loan Details

Leonard is a male Ugandan, 43, married to Angella, who has four children aged 17, 15, 10 and 5. He is a teacher and a businessman who deals in agricultural produce. He has been in this business since 2009. The main reason he started the business was to diversify his income-generating activities. ... More from Kisinsima Abetereine Group's previous loan »

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.

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.

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
  • 191
    View loans »
    Uganda Loans Fundraising
  • $31,415,275
    Funds lent in using Kiva
  • 2,518.9
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Kisinsima Abetereine Group's $2,550 loan helped a member to buy maize and beans for resale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 14, 2014
May 1, 2014
Currency Exchange Loss:
Nov 17, 2014
This photo was used before for a previous loan for Kisinsima Abetereine Group. It was first posted on Kiva on Dec, 2013. Learn More