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Benard is 42 years old and lives in the town of Rukoki in the Fort Portal region of Uganda. He is married and has four children with two of them currently in school. For the past 10 years, Benard has been working hard to manage his bar, which sells beer, water, spirits and soda.

To help expand his business, Benard has requested a loan of 3,000,000 Ugandan Shillings from BRAC Uganda. The loan will be used to stock beer, water, spirits, and soda, and will help Benard to generate greater profits and improve his welfare. Benard hopes that in the future he will be able to expand the business.

Benard is a member of BRAC's Small Enterprise Program (SEP). The program primarily serves small entrepreneurs like Benard who do not have enough collateral for commercial loans, but have businesses that have grown too large for microloans.

Additional Information

About BRAC Uganda

This loan is administered by BRAC Uganda, a registered non-governmental organization (NGO) in Uganda that is also a part of the BRAC international network. BRAC Uganda attempts to address poverty through a holistic model, offering programs in education, health, water & sanitation, agriculture, and microfinance. BRAC Uganda’s microfinance program aims to provide the poor with easy, reliable, and efficient access to institutional financial services, and reaches over 150,000 families in Uganda. For more on BRAC Uganda, please see our partner page, and join our lending team, Friends of BRAC Uganda.


About Uganda

  • $1,800
    Average annual income
  • 228
    View loans »
    Uganda Loans Fundraising
  • $31,019,500
    Funds lent in using Kiva
  • 2,620.0
    Uganda Shillings (UGX) = $1 USD
A loan of $1,150 helped Benard to stock beer, water, spirits, and soda.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 16, 2014
Aug 6, 2014
Currency Exchange Loss:
Sep 5, 2014