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Zepherine is 40 years old and lives in the town of Kabale in the region of Fort Portal in Uganda. A married father of six children, one of whom is currently in school, for the past eight years Zepherine has been working hard to manage his bar and restaurant, which sells food and drinks.

To help expand his business, Zepherine has requested a loan of 2,000,000 Ugandan Shillings from BRAC Uganda to buy more items for the shop. This will help him to generate greater profits and promote his business.

Zepherine is a member of BRAC's Small Enterprise Program (SEP), which primarily serves small entrepreneurs like Zepherine who do not have enough collateral for commercial loans, but have businesses that have grown too large for microloans.

Additional Information

About BRAC Uganda

This loan is administered by BRAC Uganda, a registered non-governmental organization (NGO) in Uganda that is also a part of the BRAC international network. BRAC Uganda attempts to address poverty through a holistic model, offering programs in education, health, water & sanitation, agriculture, and microfinance. BRAC Uganda’s microfinance program aims to provide the poor with easy, reliable, and efficient access to institutional financial services, and reaches over 150,000 families in Uganda. For more on BRAC Uganda, please see our partner page, and join our lending team, Friends of BRAC Uganda.


About Uganda

  • $1,800
    Average annual income
  • 86
    View loans »
    Uganda Loans Fundraising
  • $33,566,400
    Funds lent in using Kiva
  • 2,530.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Zepherine to buy more items for the shop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 7, 2013
Nov 25, 2013
Currency Exchange Loss:
Dec 17, 2014