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Tom is aged 48 years old and he is married with seven children, of which three are school-going. Tom is employed as a sub county internal security officer for Bwikara, in the outskirts of Kagadi. It is from this employment that he gets money to support the family. He received a loan of 1,000,000 shillings to install power in his house for the previous cycle.

Tom has now applied for another loan of ugx.1,500,000 to buy sand and cement to plaster his residential house so that the family can stay in a decent environment.

Tom plans to buy land and start farming for commercial purposes to prepare for the period when he retires from formal employment, and also to support the family because at times the salary is not enough to support his plans and budgets.

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
  • 180
    View loans »
    Uganda Loans Fundraising
  • $32,667,650
    Funds lent in using Kiva
  • 2,589.9
    Uganda Shillings (UGX) = $1 USD
A loan of $600 helped Tom to buy building materials to plaster his house.
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jul 4, 2013
Currency Exchange Loss:
Aug 3, 2013