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Ester is a first time borrower of UGAFODE Microfinance Ltd. (MDI), applying for 1,000,000 (One Million) Uganda Shillings. She is a single mother of one child that she lives with in one of the rental units in a city slum of Kamwokya.

She is a tailor and operates a small retail shop in the same place where she stays. That has helped her be able to take care of her child. Besides looking after her child, she has managed to buy a small plot of land in Kito, Kirinya. Her major challenge is renting for so long and being overcharged for rent, yet she has her plot which is undeveloped.

This has forced her to start building a simple house that she would like to occupy in the near future, but she is being constrained by financial challenges. That is why she is applying for the loan. Her future plan is to work hard finish her house and pay well the loan to have a good repayment history.

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
  • 117
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,554.9
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Ester to buy building materials to build a simple house on her plot of land.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 16, 2013
Oct 11, 2013
Currency Exchange Loss:
Aug 17, 2014