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Update on Zepher

Zepher is a 55-year-old married man with six children, five of whom are attending school. Zepher has been in a textile business for 16 years, working on a busy street plus farming for additional income. Zepher began the business to sustain his family. He needs a loan to buy clothing materials to sell. Zepher dreams of educating his children despite being challenged by inadequate capital.

Previous Loan Details

Zepher is a 54-year-old married man with six children who lives in Kasese, Uganda. For 15 years he earned a living by selling clothes, and with the money he made was able to buy land and start farming. Ever-changing customer preferences and price fluctuations affect his business, but he continues... 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
  • 174
    View loans »
    Uganda Loans Fundraising
  • $32,013,100
    Funds lent in using Kiva
  • 2,550.0
    Uganda Shillings (UGX) = $1 USD
A loan of $1,000 helped Zepher to buy clothing materials to sell.
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 16, 2014
Jun 8, 2014
Currency Exchange Loss:
Jul 8, 2014