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Update on Joice

Joice used her previous loan to buy chairs and paint for the hotel that she runs. She is a forty-year-old married woman with four children, living in Kasese, Uganda. She has been in the hotel business for seven years and with her income she has been able to pay the school fees of her children. Her challenges include price fluctuations, inflation and customers not paying on time. Joice's personal goals are educating her children and building a permanent house for her family; her business goals are to diversify the business to include a piggery, to hire employees to help expand the business and to expand to new markets. Joice intends to use the loan to buy food to sell in her hotel.

Previous Loan Details

Joice is forty-year-old married woman with four children living in Kasese, Uganda.She has been in the hotel business for seven years and with the proceeds she has been able to pay school fees for her children. Her hardships are price fluctuation, inflation and customers not paying on time. Person... More from Joice's previous loan »

Additional Information

More information about this loan

This loan is part of HOFOKAM's program targeting poor and geographically excluded populations in Western Uganda. In addition to loans, it provides social and business training programs to low-income entrepreneurs and their communities. Since 2003, HOFOKAM has provided sustainable financial and non-financial services to promote social, economic and sustainable land development and improve the quality of life for vulnerable populations. The organization has a clear vested interest in underserved communities with its headquarters in rural Fort Portal and a number of branches in extremely remote areas.

Important Information

This loan provides farmers and low-income entrepreneurs from underserved rural areas with access to financial services. By supporting this loan, you allow more farmers and rural entrepreneurs to access capital.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Uganda

  • $1,800
    Average annual income
  • 117
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,560.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Joice to buy food for the hotel she runs.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 5, 2013
Apr 21, 2013
Currency Exchange Loss:
Jan 20, 2014
This photo was used before for a previous loan for Joice. It was first posted on Kiva on Jun, 2012. Learn More