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John is a new client in this institution. He is a farmer engaged in cattle keeping. Cows are his source of income and livelihood. John is married with five children. Four of them are now in the higher institutions of learning, something that has proved very costly for John. Because of this, John wants to buy cows, fatten them and then sell them later. Part of the money will be used to pay tuition for his children and John treasures it so much and is excited about it. He did not go to school but he declares that his children have to go school so that they can live a better future. He has been in this business for the last ten years and the challenges he faces are unreliable weather, price fluctuations, pests and diseases, but these cannot stop him from doing his business.

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
  • 88
    View loans »
    Uganda Loans Fundraising
  • $33,566,400
    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 John to buy more cows and pay school fees.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 19, 2013
Mar 3, 2013
Currency Exchange Loss:
Mar 17, 2014