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Jovulet is aged 63 years and a widow. She has six children, only one of whom is still in school. She also has one orphan who stays with her, because of vulnerable reasons.

Now she has taken a loan of UGX 1,000,000. She is going to finish up her rental houses. She has no other sources of income. She started this business in 2002, when a university was set up in her area, which led to a higher demand for housing by students. She is going to finish the rentals before the school term begins.

She started the rental business with the aim of getting school fees for her children. Her major challenge is paying tuition for her child at university. Another challenge is that the rental income is irregular. She hopes that after finishing, her rental income will increase. She is a hard-working lady. She thanks the institution for coming to her rescue, in a time of need.

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 Uganda

  • $1,800
    Average annual income
  • 134
    View loans »
    Uganda Loans Fundraising
  • $33,609,650
    Funds lent in using Kiva
  • 2,591.9
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Jovulet to buy things needed to finish up the rental units, including paint and cement.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 17, 2013
Jul 2, 2013
Currency Exchange Loss:
May 17, 2014