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John is an old client at UGAFODE Microfinance Limited - Rukungiri branch ("UGAFODE"). He is engaged in agricultural production, both livestock and crops. He is also a hard-working individual, who depends solely on farming to earn a living and maintain a stable and effective household. His household includes two wives and grandchildren.

Before John joined UGAFODE, his business of cow fattening and trading, which he has literally done his whole life, was on a small scale. He used to have from two to five animals at a time, for fattening. He then joined UGAFODE in 2009, with a view toward getting a financial push for his business. He succeeded and began putting funds into his business, and it got him more and more returns.

With help in the form of borrowed funds from UGAFODE, John managed to improve on his livestock, by buying modern spraying medicine and food supplements, plus getting the necessary technical help from veterinary doctors. He also managed to improve on the crop business, through the provision of local manure by the animals, for fertilizer. This has made it possible for him to maintain and ably support his family, in a manner that uplifts the household together with the community as a whole.

John, therefore, gives credit to all those who are making it possible for him, especially the Credit Officers with whom he associates most. To the entire institutions that help, he says, “Keep up the good work."

Additional Information

More information about this loan

This loan is part of UGAFODE's program for clients who live in isolated rural areas with limited access to financial services. Uniquely, UGAFODE focuses its efforts on agricultural areas in Uganda that are over 50 km from their branches, providing loans to both groups and individual borrowers. The organization believes that the risk of offering services to remote clients is outweighed by the benefits to customers and their often underserved communities.

About Uganda

  • $1,800
    Average annual income
  • 119
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,675.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped John to buy more cows, for fattening and later sale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 29, 2013
Currency Exchange Loss:
Feb 17, 2014