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Josephine's Group
In this Group: Josephine, Mary, Salima, Regina, Hadijah
Josephine’s group is one of YICE’s Women self-help groups in Ntuuma village. The group is made up of five members and they all come from the same village. Josephine is the group leader. All group members are farmers, but the types of crops they grow are varied, including: maize, beans, vegetables, ground nuts, and cassava. They also keep animals like pigs, goats, and sheep.

Currently, Josephine (first from the right), age 36, grows ground nuts, beans, and cassava. She has been growing these crops for over the last five years but is getting low yields. After acquiring skills through YICE’s farming-as-business training, Josephine now needs a loan to buy good quality seeds, fertilizers, and pesticides for her farming enterprise.

She believes her yields will increase and she will earn a higher income after selling her produce. She plans to use her profits for school fees for her two orphaned children, and she has a dream of seeing her children completing University education and working in the Ugandan local government.

Additional Information

About Youth Initiative for Community Empowernment

Youth Initiative for Community Empowerment is a registered women and youth empowerment initiative in Central Uganda. Aiming to empower vulnerable women and young people both economically and socially, it provides training in agricultural business development and health topics. Kiva lenders’ funds are used to support training programs for vulnerable women, including single mothers and out-of-school girls, and to help them start their own farming businesses.

Youth Initiative for Community Empowerment (YICE) joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Uganda

  • $1,800
    Average annual income
  • 242
    View loans »
    Uganda Loans Fundraising
  • $32,801,525
    Funds lent in using Kiva
  • 2,677.5
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Josephine's Group's $350 loan helped a member to pay for farm inputs like good quality seeds, fertilizers, herbicides, and pesticides.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Apr 1, 2013
Feb 26, 2013
Currency Exchange Loss:
Sep 4, 2014