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Iraramira Central Group
In this Group: Francis, John Bosco, Allan, John, Patrisi*, Richard, Justus, Emmanuel, James, James Patison, Kurineriyo, Milton
* not pictured
Francis is a 56-year-old married man borrowing with Iraramira Central Group. He has 10 children of his own and two dependents, who he has been looking after, since their parents passed away. All of them are of school-going age. He works daily excluding Sunday in the produce business, primarily trading in coffee. He has borrowed to buy coffee from fellow farmers so that he can dry it and sell to the middlemen. He supplements his income with a small grocery shop he opened for his wife in 2009. They hope to one day have a considerable source of income to be able to supply the coffee factories directly instead of going through the middlemen, thus increasing their profit margins. His major challenge is having enough money to pay tuition for all his children; this has made him to work extra hard to ensure they all go to school. More so, he also has challenges transporting the coffee because he uses a bicycle. He hopes that in the future he will be able to afford a motorcycle to ease this.

Additional Information

More information about this loan

This loan is part of UGAFODE's program for clients who live in isolated rural areas with limited access to financial services. Uniquely, UGAFODE focuses its efforts on agricultural areas in Uganda that are over 50 km from their branches, providing loans to both groups and individual borrowers. The organization believes that the risk of offering services to remote clients is outweighed by the benefits to customers and their often underserved communities.

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
  • 117
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,565.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Iraramira Central Group's $4,975 loan helped a member buy coffee from fellow farmers so that he can dry it and sell to the middlemen.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 14, 2013
May 23, 2013
Currency Exchange Loss:
Apr 16, 2014