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Kirumya Central Group
In this Group: Jovia, Zebia, Chemis, Doreen, Eddy, Zulfati, David, Amon, Eddy, Marata , Twalibu, Mrgret, Sarah, Joseph, Mainunah, Salamia, Halima, Faridah, Justus, Abudul, Martin, Sofia, Grace-, Sofia-, Wilson
Jovia, whose hand is raised in a group, is a 22-year-old, married woman, with four children, living in Bundibugyo, Uganda.

After realizing that her income was very low, she decided to join a group to support herself and her family. She grows cocoa to sell and meet her daily obligations. She dreams of building a good house for her family and buying land to grow more cocoa on a large scale. However, she is affected by unpredictable weather changes.

Jovia needs a loan to buy cocoa to sell.

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
  • 239
    View loans »
    Uganda Loans Fundraising
  • $32,801,525
    Funds lent in using Kiva
  • 2,598.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Kirumya Central Group's $4,750 loan helped a member to buy cocoa to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 13, 2014
Jul 3, 2014
Currency Exchange Loss:
Jan 19, 2015