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Oliver, age 43, is a teacher. She had initially hoped to study to become a nurse, but her parents did not have sufficient money to sponsor a nursing course. For the past 10 years, she has earned a low and often irregular wage as a teacher, so she keeps poultry and pigs to earn additional income. She lives in Kagadi with her husband and their four young children, all of whom attend school.

Oliver has been trying to build a house for her family to live in. She is requesting a loan in order to buy cement, nails, and iron sheets as well as to pay builders for labor.

Oliver thanks her Kiva lenders for helping her improve her family's quality of living.

Additional Information

More information about this loan

This loan is part of HOFOKAM's program targeting poor and geographically excluded populations in Western Uganda. In addition to loans, it provides social and business training programs to low-income entrepreneurs and their communities. Since 2003, HOFOKAM has provided sustainable financial and non-financial services to promote social, economic and sustainable land development and improve the quality of life for vulnerable populations. The organization has a clear vested interest in underserved communities with its headquarters in rural Fort Portal and a number of branches in extremely remote areas.

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

  • $1,500
    Average annual income
  • 290
    View loans »
    Uganda Loans Fundraising
  • $29,599,275
    Funds lent in using Kiva
  • 2,534.9
    Uganda Shillings (UGX) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $800 helped Oliver to buy cement, nails, and iron sheets as well as to pay builders for labor.
50% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 22, 2014
Jun 2, 2014
Currency Exchange Loss: