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Clive Road Women's Group A
In this Group: Kate, Justine, Akim, Hasifa, Night, Peter, Winfred, Joseph, Rose, Francis, Carol, Christine, Catherine, Solome
Most budding and fledgling entrepreneurs in Uganda have gone through the mill and did get apprentice business training. That statement should be taken with a grain of salt. It may be a little farfetched, but one can’t rule out the fact that indeed some entrepreneurs did get some business training.

A study carried out recently showed how some business people are nodding acquaintances when it comes to efficiently operating businesses. That proficiency is lacking, but still most businesses, however petty they are, are making headway. This has puzzled most business experts, but it is the status quo that we are all bearing witness to.

If the above, particularly the part that talks about the fact that most people lack business training, is referenced to 42-year-old Kate, an assiduous clothes sales business entrepreneur plying her trade in Jinja, it could hold water. It’s now 15 grueling and chequered years in this business for Kate, who at her age has no kids yet.

She says being devoid of business skills has not played havoc with any of her operations, though she says if she had got the training, she probably would be operating her business in a more worthwhile and proficient way.

Her maiden business was a retail shop and Kate says she utilized her savings to set forth in her cloth sales trade. However, she has not dispensed with her retail shop. She still operates it, though she has delegated the responsibilities of running it to her sister.

She says this business's monthly sales income totals up to 150,000 Ugandan shillings. This is the fourth time Kate's group is taking a loan from Pearl microfinance and their track record in repayments has been good.

Kate says she reckons that with this Kiva loan she will purchase more clothes, principally men's clothes, to resell.

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
  • 149
    View loans »
    Uganda Loans Fundraising
  • $33,609,650
    Funds lent in using Kiva
  • 2,665.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Clive Road Women's Group A's $4,850 loan helped a member to purchase more clothes, principally men's clothes, to resell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 1, 2011
Aug 10, 2011
Currency Exchange Loss:
Feb 2, 2012