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Update on Harriet

Harriet is a second-time borrower and a client of UGAFODE Microfinance Limited. She is applying for a loan of two million shillings (UGX 2,000,000). She was forced to pay off her previous loan prematurely, so that she could get a bigger loan to buy more stock of items that were being demanded by her customers.

Harriet says the shop is doing well in terms of sales. However, it has been held down by inadequate capital for increasing her stock. But with the loan facility from UGAFODE, her problem will soon be history.

She says she has plans to educate her children, pay off her loan well, and get subsequent loans to make a good credit history. She also wants to buy her own plot and develop it, by putting up a commercial house to avoid paying rent. She is hard-working and honest.

Previous Loan Details

Harriet is a first time borrower with Ugafode Microfinance Ltd (MDI), applying for a loan of 1,000,000 shillings. She is married with three children, and renting in Bukeesa, a trading centre outside Kampala city. near a neighboring university where she runs a average shop in her house. She ge... More from Harriet's previous loan »

Additional Information

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Uganda

  • $1,800
    Average annual income
  • 133
    View loans »
    Uganda Loans Fundraising
  • $33,608,925
    Funds lent in using Kiva
  • 2,505.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Harriet to buy items to stock her retail store.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 6, 2013
Dec 20, 2013
Currency Exchange Loss:
Aug 17, 2015
This photo was used before for a previous loan for Harriet. It was first posted on Kiva on Nov, 2013. Learn More