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Update on Zephanas

Zephanas is a 30-year-old married man with four children, one attending school.

Zephanas used the previous loan to buy clothes to sell ahead of the Christmas season. Still in the textile business, he earns extra income from farming.

Zephanas began the business to earn a living and is asking for support to buy clothes to sell. Despite his need, he encounters a problem of inadequate capital and competition.

Previous Loan Details

Zephanas is a 30-year-old married man with four children living in Kasese, Uganda. Two years ago he decided to venture into clothes selling in order to provide basics for his family. He also is a farmer. As a good father, he desires to educate his children up to the university level and also buil... More from Zephanas'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
  • 285
    View loans »
    Uganda Loans Fundraising
  • $31,089,375
    Funds lent in using Kiva
  • 2,543.0
    Uganda Shillings (UGX) = $1 USD
A loan of $1,200 helped Zephanas to buy clothes to sell.
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 20, 2014
Jun 4, 2014
Currency Exchange Loss:
Jul 4, 2014