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Bakyala Kwekulakulana Group 2, Lugazi
In this Group: Sauda, Jane, Joyce, Eva, Salongo, Salongo, Ruth, Yona, Abudu, Doreen, Juliet, Immaculate*, Harriet
* not pictured
At the start of N. Sauda’s produce and wholesale business in 2003, somebody laid a bet that her business would not see the light of day after a month’s course. The skepticism was a no-brainer to her, as she had set out her objectives to succeed by then. She had to bring her guts and determination to bear in the face of such low expectations from some of her disparaging friends.

With huge reserves of optimism and with a desire to prove her detractors wrong, 35-year-old Sauda embarked on her mission – to get established in the business genre of her preference, to wit: a produce sales and small commodity wholesale business. She went out of her depth to fight off the early financial quagmires that had reared their heads and were making her chances of success hang in the balance.

Sauda started getting into her stride when she began selling rice, groundnuts (peanuts), beans and millet. When her prospects began improving, her down-the-line attitude got even better. As a consequence, all her three children, who were hitherto not going to school, began attending school.

Sauda’s customers are mostly small retailers. In a month, she says she earns to the tune of 600,000 shillings. She is also a counselor within her locality. With this loan she wants to buy some produce she has not sold before like coffee and cotton. She also wants to buy more matches, textbooks and tea leaves for her wholesale stock.

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
  • 137
    View loans »
    Uganda Loans Fundraising
  • $33,608,925
    Funds lent in using Kiva
  • 2,085.8
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Bakyala Kwekulakulana Group 2, Lugazi's $3,725 loan helped a member to purchase crops such as coffee that she has not sold before and also some wholesale stock.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 31, 2010
Apr 21, 2010
Currency Exchange Loss:
Aug 15, 2010