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Tweheyo Bwendero Group
In this Group: Gorret, Juliet*, Sayuni, Judith, Joan, Joan, Tophas, Grace, Joselyne, Darlson*, Jashour, Evas, Judith, Ednance
* not pictured
Twenty-year-old Joan lives in Hoima, Uganda. She operates a salon business which she started so as to be self-sustainable. She is charged with the sole responsibility of taking care of one child below one year. She is a hard-working lady who hopes to expand business into new markets. Competition is still her major challenge.

She is a member of Tweheyo Bwendero group, where members guarantee each other to access credit. She is acquiring credit to buy cosmetics and chemicals to use in the salon.

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.

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
  • 235
    View loans »
    Uganda Loans Fundraising
  • $32,789,100
    Funds lent in using Kiva
  • 2,570.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Tweheyo Bwendero Group's $1,800 loan helped a member to buy cosmetics and chemicals to use in the salon.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 22, 2014
Jun 11, 2014
Currency Exchange Loss:
Oct 17, 2014