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Annah is a widow from a village in the Isingiro district with 8 children, 7 of them are in school. Her husband was a soldier in the Ugandan armed forces and he died while on a mission in Congo. Annah was not compensated nor given her husband’s pension because she was illiterate and not aware of the procedure to follow to claim the benefits. Fortunately her husband left her a house with 3 rooms in a nearby trading centre. She has been depending on these rooms to earn income for survival and also to get school fees for the children. The rooms are getting old and require renovation. Because of this she is requesting a loan of 2,000,000 Ugandan Shillings to renovate these rooms so that she can continue earning rent for the survival of her family.

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
  • 133
    View loans »
    Uganda Loans Fundraising
  • $33,804,000
    Funds lent in using Kiva
  • 2,633.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Annah to renovate her rental rooms.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 6, 2013
Mar 25, 2013
Currency Exchange Loss:
Nov 17, 2014