A loan of $100 helped to buy hair extensions and hair oil.


Lydia's story

Lydia N. is 21 years old and lives in the town of Kyengera in the Kampala West region of Uganda. She is married and has 3 children. Two of her children are currently in school. Lydia has a beauty salon, which she has had for 2 years.

To help expand her business, Lydia has requested a loan of 200,000 Ugandan Shillings from BRAC Uganda. The loan will be used to purchase more braids (hair extensions) and oil for the hair. With the help of the loan from BRAC, Lydia hopes to generate greater profits and sometimes pay school fees for her children. In the future, Lydia hopes to own a house and to see her child attend university. Lydia is a member of BRAC’s Empowerment and Livelihood for Adolescents (ELA) program, which has helped her prospects for the future by not letting her sit at home but have something to do (become self reliant).

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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