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Lucas is a 50-year-old married man with eight children. Lucas runs a hardware shop in Nyarukiika trading centre. He has been doing this business for 10 years. He started this business because of the high demand in the village. Lucas has been able to make good sales and was able to send his children to school and buy himself a car since there is less competition in the area where his business is located.

He applied for a loan of 4,000,000 UGX so that he can buy building materials in form of cement, lime, timber and paint to furnish his residential house that is in bad shape in preparation of the festive season and use a portion of it to pay tuition for his children.

He is a very hardworking and honest man.

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
  • 141
    View loans »
    Uganda Loans Fundraising
  • $33,609,650
    Funds lent in using Kiva
  • 2,505.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,600 helped Lucas to buy cement, lime, timber, and paint to furnish his residential house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 6, 2013
Dec 27, 2013
Currency Exchange Loss:
Dec 17, 2014