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Joyce is 38 years old and lives in the town of Wobulezi, in the Luwero region of Uganda. She is married and has four children, three of them currently in school. For the past five years, Joyce has been working hard to manage her retail shop, where she sells items such as maize flour, sugar, soap and drinks.

To help expand her business, Joyce has requested a loan of 2,000,000 Ugandan Shillings from BRAC Uganda. The loan will be used to buy more essential commodities like milk, bread, sugar and soap, for resale. These purchases will help Joyce to generate greater profits, which she will use to pay school fees for the children. Joyce hopes that in the future, she will be able to own a supermarket.

Joyce is a member of BRAC's Small Enterprise Program (SEP). The program serves primarily small entrepreneurs like Joyce, 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
  • 127
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,669.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Joyce to buy more essential commodities like milk, bread, sugar and soap, for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 17, 2013
Feb 4, 2013
Currency Exchange Loss:
Mar 21, 2014