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Update on Zepher

Zepher is a 38-year-old married male with six children, four of whom attend school. He used his previous loan to buy general merchandise to sell, such as soap and match boxes. Zepher still operates his other businesses (a bar and a transport business). He still faces the same challenges of price fluctuations and inadequate capital. Zepher will use this loan to buy salt, sugar, rice and cassava flour to sell.

Previous Loan Details

Zepher is a 38-year-old married man with six children living in Kasese, Uganda. He has been operating a retail shop for 13 years, and with the proceeds he has been able to start a bar, venture into the transport business, and buy land for farming. Good father that he is, he desires to educate... More from Zepher's previous loan »

Additional Information

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 Uganda

  • $1,800
    Average annual income
  • 201
    View loans »
    Uganda Loans Fundraising
  • $31,373,750
    Funds lent in using Kiva
  • 2,534.9
    Uganda Shillings (UGX) = $1 USD
A loan of $1,200 helped Zepher to buy salt, sugar, rice and cassava flour to sell.
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 16, 2014
Jun 2, 2014
Currency Exchange Loss:
Jul 2, 2014