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Update on Specioza

This 37-year-old married woman used the previous loan to buy crates of beer for resale. With the profits, Specioza has been able to pay school fees for her children and also expand her bar.

She still has challenges of inadequate capital to meet the increasing demand. Her dream is to have a well-stocked bar and restaurant. Specioza intends to buy beer for resale with this loan.

Previous Loan Details

Specioza is a 36-year-old married woman with two children. She lives in her own house in Kamwenge, Uganda. Specioza has been operating a bar for three years now and and this has helped her to provide for her family as she is the sole provider. She has challenges in breakage of bottles that caus... More from Specioza's previous loan »

Additional Information

Important Information

This loan provides farmers and low-income entrepreneurs from underserved rural areas with access to financial services. By supporting this loan, you allow more farmers and rural entrepreneurs to access capital.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Uganda

  • $1,800
    Average annual income
  • 123
    View loans »
    Uganda Loans Fundraising
  • $33,830,100
    Funds lent in using Kiva
  • 2,405.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Specioza to buy beer for resale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 21, 2011
Jan 19, 2012
Currency Exchange Loss:
Aug 15, 2012
This photo was used before for a previous loan for Specioza. It was first posted on Kiva on Jul, 2011. Learn More