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Betty is a 50-year-old widow with three children, one of whom is at the university. She also takes care of two relatives who are orphans, for whom she pays tuition and provides their other basic necessities.

Betty’s challenge is lack of enough income to take care of her financial needs, as she gets her major income from the small subsistence farming that she does at her home. She does this in order to see her children finish school and have a better life.
Her dream is to finish her house, such that she can occupy it and then stop renting. She could then use the money she has been using for rent to increase her earnings and also be able to let out some part to raise more income.
But Betty has had a challenge of lack of enough cash to finish up her house. This is the reason she has resorted to borrowing, and hopes with the loan she will be able to finish it and see her dream come true.

Betty is a hardworking woman who has seen her children grow and some finish school from all the struggles she has gone through since her husband died.

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
  • 82
    View loans »
    Uganda Loans Fundraising
  • $33,534,000
    Funds lent in using Kiva
  • 2,657.6
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Betty to buy construction materials for completion of her residential house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 9, 2013
Mar 5, 2013
Currency Exchange Loss:
Mar 17, 2014