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Joab is a 35-year-old, married man with three children living in Masindi, Uganda. He has been a teacher for eight years. Joab used to teach in a government school. He has since started his own school, since the facilities at the government school were not efficient for all of the pupils and the school was located on the outskirts of the village. He is also a farmer. He mainly grows rice and groundnuts, which he sells to traders from South Sudan. One of his challenges is limited capital which prevents efficient delivery. His dream is to have one of the role model schools in the district. Joab is requesting a loan to renovate his residential house.

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.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Uganda

  • $1,800
    Average annual income
  • 119
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,510.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Joab to renovate his residential house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 10, 2012
Sep 11, 2012
Currency Exchange Loss:
Sep 17, 2013