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"Joy is 38 years old and lives in the town of Kasese in the Fortportal region of Uganda. She is married and has four children who are all currently in school. For the past 10 years, Joy has been working hard to manage her retail shop, which sells agro chemical items.

To help expand her business, Joy has requested a loan of 2,500,000 Ugandan Shillings from BRAC Uganda. The loan will be used to buy more agro chemicals like pastes and others for sale, and will help Joy to generate greater profits and improve the family standard of living. Joy hopes that in the future she will be able to take her children to better schools.

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


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
  • 246
    View loans »
    Uganda Loans Fundraising
  • $32,801,525
    Funds lent in using Kiva
  • 2,627.0
    Uganda Shillings (UGX) = $1 USD
A loan of $975 helped Joy to buy more agro chemicals like pastes and others for sale,.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 11, 2014
Jul 10, 2014
Currency Exchange Loss:
Aug 9, 2014