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Ntungamo Bakyara Tuhirirwe Group
In this Group: Ruth, Janet, Salvano, Moreen, Yosam, Asaph, Aminah, Florence, Ephraim, Asaph
Ruth is a 48-year-old married woman with five children aged between 8 and 15 years of age all of whom go to school. Ruth owns a guest house and therefore offers accommodation to the traders who come to town and to tourists who sometimes trickle into the local area to see some of Ntungamo's fascinating scenery. Ruth loudly explains how happy she is to have managed to set up and run a good accommodation facility for five years with a steady income of 150,000 Ugandan shillings as average weekly profits. She, however, stresses that it has not been easy but through hard work, valuing customers and above all, providing comfortable accommodation and an environment that has made it a place to think about as a priority for accommodation in the area.

This determined woman, with a temperament for work, also participates in agriculture particularly in banana growing and her goal in future is to open up a modern restaurant within the guest house to sell her bananas since she has a ready market. With the Kiva loan, Ruth intends to expand and modernize her banana plantation by mulching and applying fertilisers for better yields.

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
  • 117
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,585.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Ntungamo Bakyara Tuhirirwe Group's $975 loan helped a member to mulch and apply fertilisers to her banana plantation for better yields.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 23, 2011
Jul 19, 2011
Currency Exchange Loss:
Feb 2, 2012