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Emmanuel is a permanent resident of Katembe, a village in Isingiro district. He is 47 years old. He is married with eight children and two dependents from his uncle, who died four years ago. All his children and dependents are in school.

From childhood, Emmanuel has been a farmer and a banana (plantain) seller. In 2008, he learned through a friend of the existence of UGAFODE Micro finance Limited. He was funded with a loan of UGX 1,500,000 which he used to build a semi-permanent house to accommodate his family.

Now, he is requesting for a loan UGX 1,500,000 to buy windows for his house since, in its current state, it is prone to thievery and mosquitoes (see picture attached). He is hopeful that his family will live under better security and conditions when the house is complete.

He is grateful for the partnership with UGAFODE Micro finance Limited as well as with the Kiva lenders. In the picture, from left to right, is Emmanuel, his guarantor who signed the waiver form, and the UGAFODE credit officer. Emmanuel is illustrating to them what he wants to do on the house.

Additional Information

More information about this loan

This loan is part of UGAFODE”s Micro Mortgage Loan program.  Many of these clients are currently renting and these loans allow them to own their home and provide for their families. This may be their first home, or renovation to homes not fit for habitation.  By building and renovating, borrowers who utilize these loans have improved health and safety through a stronger structure and better protection from the elements.  UGAFODE offers these loans to cover essential costs like labour and material so borrowers can provide adequate shelter and sanitation facilities for their families.

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
  • 197
    View loans »
    Uganda Loans Fundraising
  • $32,706,950
    Funds lent in using Kiva
  • 2,640.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Emmanuel to buy windows for his house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 6, 2013
Feb 20, 2013
Currency Exchange Loss:
Aug 17, 2014