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Flavia's Group
In this Group: Flavia, Gladys, Harriet, Justine, Jane
N. Flavia, a very methodical, hard-working lady, operates a business buying fresh animal blood, shells and bones from which she makes chicken feed. She employs people to go to slaughter houses “lufula” to collect the fresh blood in cans; she then boils all of her ingredients from Ugachick in Gayaza as an independent. Once done, she sells to Ugachick itself although the payments take two weeks to come through; this is one reason she also sells to other firms that pay instant cash for her to remain in business.

Flavia is grateful for her loans because she has been able to pay school fees for her four children singlehandedly after the death of her husband, and now they are out of school and operating their own businesses. She currently cares for three orphans attending school, all the children of her late sister but abandoned by their father upon his remarriage.

Thanks to previous loans received, Flavia was able to build her own house, but she is now requesting another loan to buy windows and doors for her house to replace the polythene paper coverings; the balance of the loan will be used to reinvest in her business.

Additional Information

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Uganda

  • $1,800
    Average annual income
  • 123
    View loans »
    Uganda Loans Fundraising
  • $33,813,225
    Funds lent in using Kiva
  • 2,165.5
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Flavia's Group's $2,000 loan helped a member buying windows and doors for her house.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 29, 2009
Apr 30, 2009
Currency Exchange Loss:
Sep 15, 2009