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Rosemary is a 34-year-old married lady who has with five children aged 13, 11, 9, 7 and 4 years old. All of them go to school. She operates a retail shop selling household goods; the shop started in 1998. She has additional income from a restaurant that she runs.

Rosemary wants a loan of 2,500,000 shillings to complete construction of her residential house. She does not want to get money from the business for construction.

Rosemary is a hard-working person but her major challenge is the capital as well as the competition in the market from similar businesses. She hopes to get money to construct rental houses so that her sources of income are diversified.

In the photograph are the client and the loan officer. The loan officer has a name tag.

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
  • $33,852,025
    Funds lent in using Kiva
  • 2,583.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Rosemary to construct her residential house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 8, 2013
May 15, 2013
Currency Exchange Loss:
Jun 17, 2014