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Joy's Group
In this Group: Joy, Monic, Josha, Steven, Maria, Ruth, Annet, Denson, Rose, Izimba, John, Abubakali, Hadija, Betty
K. Joy is the leader of her lending group in Kampala. She is a married lady with 3 children all in secondary school as she takes care of other orphans. Joy has a stationery shop business on Kampala road that has been in existence for 9 years and she is able to make 100,000/= as profits a week. Her major challenge is the lack of enough capital to boost her stationery shop since she has the good customer care skills for a successful business. She also hopes to have a successful and healthy home. Joy needs a loan to help increase her stock by buying more new books and other stationery. She is such a friendly and hard working lady.

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 Uganda

  • $1,800
    Average annual income
  • 123
    View loans »
    Uganda Loans Fundraising
  • $33,598,375
    Funds lent in using Kiva
  • 1,922.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Joy's Group's $2,150 loan helped a member buying more new books and other stationery for her shop.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 30, 2009
Oct 2, 2009
Currency Exchange Loss:
Feb 16, 2010