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Jovia is a 22-year-old married business woman living in Bundibugyo, Uganda. She sells second-hand clothes, and has been in business for three years.

She has managed to provide for her family and look after her school-going children by providing them with all the school requirements.

Like other people in the same business, she is affected by high taxes levied on second-hand clothes. Her dream is to save and construct a permanent house for her family.

Jovia will use the loan to buy land for her family.

Additional Information

More information about this loan

This loan is part of HOFOKAM's program targeting poor and geographically excluded populations in Western Uganda. In addition to loans, it provides social and business training programs to low-income entrepreneurs and their communities. Since 2003, HOFOKAM has provided sustainable financial and non-financial services to promote social, economic and sustainable land development and improve the quality of life for vulnerable populations. The organization has a clear vested interest in underserved communities with its headquarters in rural Fort Portal and a number of branches in extremely remote areas.

Important Information

This loan provides farmers and low-income entrepreneurs from underserved rural areas with access to financial services. By supporting this loan, you allow more farmers and rural entrepreneurs to access capital.

About Uganda

  • $1,800
    Average annual income
  • 117
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,520.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $100 helped Jovia to buy land for her family.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 19, 2013
Dec 10, 2013
Currency Exchange Loss:
Jun 17, 2014