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Tulibamu Group
In this Group: Josephine, Bashir, Juliet, Teddy, Enid, Scovia, Janwariyo, Florence
Josephine, aged 39 years, is married with three children, who are 12, 10 and 11 years old. All of them attend school, and Josephine is in charge of providing school fees. She supplies fresh foods as her major source of income, and has been doing this business since 2000.

Josephine borrowed UGX 500,000 from UGAFODE so that she can expand her business. Now she has applied for an additional UGX 1,000,000 to buy more stock for her business and also buy a piece of land.

She dreams of buying a vehicle that can help her in supplying her items to her customers. She believes this will soon come true with the help of UGAFODE’s low interest rate loans.

Her major challenges are limited capital and price fluctuations.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About Uganda

  • $1,800
    Average annual income
  • 91
    View loans »
    Uganda Loans Fundraising
  • $33,579,050
    Funds lent in using Kiva
  • 2,537.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Tulibamu Group's $2,050 loan helped a member to buy vegetables for her business and also buy a piece of land.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Nov 26, 2013
Currency Exchange Loss:
Jul 17, 2014