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Emmanuel is 23 years old and has one school-going child. He works five days in the transport business because the business is suitable in the area.

He wants to buy baby heifers (cows) with the loan that he will breed and later sell after a few months at a profit. His clients are his usual village mates, who buy for rearing.

He hopes to have a big farm such that he can sell cows to the city traders who buy at a good price. His challenge is climatic changes. He is honest and hard working.

He thanks Kiva lenders through Ugafode for giving them an opportunity to grow financially.

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.

About Uganda

  • $1,800
    Average annual income
  • 255
    View loans »
    Uganda Loans Fundraising
  • $32,806,450
    Funds lent in using Kiva
  • 2,580.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Emmanuel to buy baby cows.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 21, 2013
Sep 2, 2013
Currency Exchange Loss:
Mar 17, 2015