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Lawrence is 50 years old and has a host of children, but only one child attends school. Lawrence operates a carpentry workshop which is located in Kagadi town. It is a business he has been doing for the last 20 years, as a major source of income. He started this business to supplement the income he gets from car driving at one of the schools in Kagadi, in order to adequately meet the demands of his extended family, including relatives.

Lawrence wants a loan of UGX 3,000,000/= (three million shillings) to buy building materials to complete his residential house and have a good environment for the family.The challenge he is facing includes the high prices for the construction materials which has made the house stay incomplete for so long.

He thanks God for UGAFODE, whose services came at the time he needed them most. With the loan, he will finally be able to occupy his new house. His family is excited because very soon their status will change from living in a mud-and-wattle house to living in a permanent house. Lawrence thanks UGAFODE and Kiva lenders for the partnership.

In the photograph, Lawrence is with the UGAFODE staff in the front of the house to be completed.

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
  • 244
    View loans »
    Uganda Loans Fundraising
  • $32,801,525
    Funds lent in using Kiva
  • 2,635.1
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Lawrence to buy building materials for the completion of his residential house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 2, 2013
Mar 18, 2013
Currency Exchange Loss:
Apr 16, 2014