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Joyce is 30-years-old and lives in the town of Makindye in the Kampala southern region of Uganda. She is married and has four children; two of them are currently in school. For the past five years, Joyce has been working hard to manage her retail shop, which sells household items such as kettles and saucepans.

To help expand her business, Joyce has requested a loan of 4,000,000 Ugandan Shillings from BRAC Uganda. The loan will be used to buy more essential household items such as kettles and saucepans, and will help Joyce to generate greater profits and take care of her family's basic needs. Joyce hopes that in the future she will be able to own other businesses in town.

Joyce is a member of BRAC's Small Enterprise Program (SEP). The program primarily serves small entrepreneurs like Joyce who do not have enough collateral for commercial loans, but have businesses that have grown too large for micro loans.

Additional Information

About BRAC Uganda

This loan is administered by BRAC Uganda, a registered non-governmental organization (NGO) in Uganda that is also a part of the BRAC international network. BRAC Uganda attempts to address poverty through a holistic model, offering programs in education, health, water & sanitation, agriculture, and microfinance. BRAC Uganda’s microfinance program aims to provide the poor with easy, reliable, and efficient access to institutional financial services, and reaches over 150,000 families in Uganda. For more on BRAC Uganda, please see our partner page, and join our lending team, Friends of BRAC Uganda.


About Uganda

  • $1,800
    Average annual income
  • 116
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,560.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Joyce to buy more essential household items such as kettles and saucepans to sell in her retail shop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 16, 2014
Jun 18, 2014
Currency Exchange Loss:
Jun 20, 2015