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Jane, a 35-year-old married mother of one, lives in Kyotera with her husband and two step children. A fish monger since 1996, Jane managed to acquire several plots of land in Kyotera and now has some rental housing in Kinankole zone that provides a secondary source of income for her family.

Jane began selling fish because Kyotera is located near the shore of Lake Kijjanabalora, which has high quality tilapia fish. She acquired from her grandfather knowledge of storage, drying, and maintaining fish which she applies in her business. She sells her products to individuals from Kyotera and traders who take them to Kampala.

Jane, who describes herself as an honourable, hardworking, honest, and God-fearing person, is requesting this loan to purchase roofing materials for her residential house.

One of her dreams is to build several rental houses in Kyotera, and she hopes to be one of the people with the largest estates in town in the near future. She has not yet achieved her goals due to fish price fluctuations which sometimes lead to losses since she cannot preserve all of her products for a long period of time.

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
  • 122
    View loans »
    Uganda Loans Fundraising
  • $33,830,100
    Funds lent in using Kiva
  • 2,593.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Janet to buy roofing materials for her house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 11, 2013
Apr 5, 2013
Currency Exchange Loss:
Feb 17, 2014