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Zion Christian Association Group
In this Group: Stanary, Fatuma, Sofia, Joyce, Justine, Winfred, Stella, Lovisa, Bena, Yudaya, Jesca, Hadija, Florence, Harriet
Joyce, a 34-year-old married mother of four children, all of whom go to school, is a resident of Kitoro and a member of Zion Christian Association Group. Joyce has a small business frying cassava pancakes which she sells to school children and passersby. She also lays bricks to supplement her meagre income.

Joyce has requested a loan of ugx.300,000 to boost her business through the purchase of flour and cooking oil; she will also use part of it to pay the tuition balance for one of her children.

Joyce's goals are to see her children graduate and obtain good-paying jobs. She is so grateful to Kiva lenders for their support.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Uganda

  • $1,800
    Average annual income
  • 86
    View loans »
    Uganda Loans Fundraising
  • $33,566,400
    Funds lent in using Kiva
  • 2,519.8
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Zion Christian Association Group's $1,750 loan helped a member to buy flour and cooking oil.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 25, 2013
Apr 19, 2013
Currency Exchange Loss:
Aug 17, 2013