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Apolonali is 58 years old and married. He has four children who are all school-going, and he is in charge of paying their school fees. He is a peasant farmer, mainly growing sugarcane for brewing 'waragi,' as his major source of income to look after the family.

In the past, he borrowed a loan of 1,000,000 Ugandan shillings (UGX), which he used to begin constructing his residential house. He has paid back the loan; however, the house was not completed.

Apolonali now wants another loan, this time in the amount of 1,500,000 UGX. He will use this loan to complete construction of his residential house, so that the family can have a better place to live in.

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
  • 119
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,580.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Apolonali to complete construction of his residential house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 17, 2013
Jul 31, 2013
Currency Exchange Loss:
Aug 17, 2014