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Bukaluba Sibutankdikeko Group
In this Group: Sarah, Ronmary, Joseph, Juliet, Paul, Willy, Agnes, Costa, Pius, Fred*
* not pictured
The Bukaluba Sibutankdikeko group is located in a rural area and has 10 members: Joseph, Paul, Willy, Juliet, Costa, Agnes, Sarah, Ronmary, Pius and Fred. They are involved in different activities including farming, retail, passion fruit farming, produce trading, market vending, local brewing and textiles.

Joseph is the group's featured borrower. He has his hand raised in the photo. He is a married man, 45 years old, with six children, four of whom attend school. He deals in local brewing and he does farming as a side business. He started his brewing business in 1996 in order to improve his standard of living and to pay school fees for his children. His clients are people from the surrounding area.

Joseph's major challenges are the lack of sufficient working capital and clients who take too long to pay their debts. As a result, he acquired this loan to boost his businesses. His hope is to one day buy a plot for his family, educate his children and grow his business.

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.

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
  • 231
    View loans »
    Uganda Loans Fundraising
  • $31,010,850
    Funds lent in using Kiva
  • 2,598.0
    Uganda Shillings (UGX) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A portion of Bukaluba Sibutankdikeko Group's $1,475 loan helped a member to buy agricultural inputs for farming and brewing.
99% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 18, 2014
Jul 2, 2014
Currency Exchange Loss:
Jan 17, 2015