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Specioza is 37 years old and lives in the town of Seeta in the Mukono region of Uganda. She is married and has four children who are all currently in school. For the past three years, Specioza has been working hard to manage her retail shop, which sells sugar and soap.

To help expand her business, Specioza has requested a loan of 2,000,000 Ugandan Shillings from BRAC Uganda. This loan will be used to buy more essential commodities to resell, and it will help Specioza to generate greater profits and improve on her family's standard of living. Specioza hopes that in the future she will be able to have a successful business.

Specioza is a member of BRAC's Small Enterprise Program (SEP). The program primarily serves small entrepreneurs like Specioza who do not have enough collateral for commercial loans but have businesses that have grown too large for microloans.

Additional Information

About BRAC Uganda

This loan is administered by BRAC Uganda, a registered non-governmental organization (NGO) in Uganda that is also a part of the BRAC international network. BRAC Uganda attempts to address poverty through a holistic model, offering programs in education, health, water & sanitation, agriculture, and microfinance. BRAC Uganda’s microfinance program aims to provide the poor with easy, reliable, and efficient access to institutional financial services, and reaches over 150,000 families in Uganda. For more on BRAC Uganda, please see our partner page, and join our lending team, Friends of BRAC Uganda.

About Uganda

  • $1,800
    Average annual income
  • 84
    View loans »
    Uganda Loans Fundraising
  • $33,571,425
    Funds lent in using Kiva
  • 2,475.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Specioza to buy more essential commodities to resell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 16, 2012
May 23, 2012
Currency Exchange Loss:
Jun 21, 2013