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Kyambura Bakyara Tukwatanise Group
In this Group: Rajab, Zabibu, John Kennedy, Ratibu, Suraina, Zamu, Fatima, Sidati, Hadijah, Ricia, Nuriat, Nicholus
Zabibu is a member of Kyambura Bakyara Tukwatanise Group and a mother of five children aged between twelve and twenty-two years. Zabibu also looks after four other children who are orphans to her late brother. She is determined to see all her biological children and the four orphans through school.

Zabibu is a businesswoman trading in bananas, a business she started in 1996 with the purpose of getting money, which she would use to develop her family. Her business is located in the Kyambura trading centre and the people in the trading centre are her major customers.

Zabibu works throughout the week and when she is away from her stall, she is in the field looking for markets. Her hard work and her honesty in business have helped her greatly to grow the business; by doing this she gains customer loyalty.

Zabibu is challenged by the stiff competition in the area she operates in but she is hopeful that if she gets a loan she will be able to buy more stock and make bigger sales, which will help her business to grow to greater heights.

Pictured is the group, but the lady at the extreme right is the area Councillor who mobilized the group. Although she is not taking the loan, she signed the waiver for it. She thanks UGAFODE for serving the needs of her community.

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
  • 117
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,453.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Kyambura Bakyara Tukwatanise Group's $1,900 loan helped a member to buy bananas for sale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 13, 2014
Feb 24, 2014
Currency Exchange Loss:
Sep 20, 2014