A loan of $75 helped to buy more phone airtime.


Joice's story

Joice N. is 20 years old and lives in the town of Nansana in the Kampala east region of Uganda. She is single and has one child in school. Joice has had a business of selling phone airtime and phone charging for less than one year.

To help expand her business, Joice is requesting a loan of 150,000 Ugandan Shillings from BRAC Uganda. The loan will be used to buy more airtime to sell and chargers to use. Joice plans to use the loan in order to purchase inventory she was lacking, and generate profit in order to help her child. In the future, Joice hopes to develop her business further.

Note to lenders: BRAC Uganda has recently begun posting a new loan product to Kiva which funds young entrepreneurs in BRAC’s Empowerment and Livelihood for Adolescents (ELA) program. This Kiva borrower is receiving a new ELA loan. The ELA program first provides disadvantaged adolescents, usually girls who are out of school, with livelihood training and financial literacy skills. Afterward, ELA participants can receive microfinance loans to expand their small businesses. These loans offer adolescents a unique chance to access finance at a young age and improve their prospects for the future, and target a segment of the population not typically served by traditional microfinance. Kiva is privileged to partner with BRAC Uganda in posting these new loans, and give Kiva lenders the opportunity to fund deserving young entrepreneurs and support a promising new sector in microfinance.



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