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Samuel is a permanent resident of Rwenkuba of the Bushenyi district. He is married with 5 children and lives with 2 of his sisters' children, as she is unable to pay for their fees, so he is giving her a hand. He did not go far in his studies and hence started to fend for himself and the family when he was still young. Being pushed by the need to survive, he started banana farming on a small scale on his family's land that his parents allowed him to cultivate on. Because he is hard working, he has used his small savings to buy even more land where he is constructing a house. This business has grown, giving him an opportunity to support his family and dependents. He is requesting a loan of 3,000,000 UGX to complete the house that he has been constructing; it will accommodate his family, including his aged parents. In the photograph is Samuel and his father. Samuel is the one in the blue, long-sleeved shirt.

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
  • 178
    View loans »
    Uganda Loans Fundraising
  • $32,667,650
    Funds lent in using Kiva
  • 2,583.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Samuel to complete his house's construction.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 6, 2013
May 14, 2013
Currency Exchange Loss:
Jun 17, 2014