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Nkambo-Specioza Group
In this Group: Specioza , Samalie, Teddy, Rose, Rehema
Specioza N. is a single, 30-year old mother of four children, aged six to thirteen. She sells used clothing on the streets in the Kitintale village of Kampala early each morning to late in the evening. Three times a week she takes public transportation to the Owino market, Kampala’s busiest wholesale exchange, to buy bales of second-hand clothes.

This is Specioza’s first loan with BRAC. She will use the proceeds to purchase bales of bulk used clothing in larger quantities to lock in a lower cost and expand her inventory for the busy festive (Holiday) buying season. She makes less than 20,000 Ush a day.

Increasing her revenue and profit are important to Specioza, as she provides the family’s only income. School fees are 300,000 Ush per term. Including books and school supplies, school cost Specioza over 1,000,000 Ush per year. Paying school fees in addition to other living costs makes it difficult to feed her children two meals in a day when sales are down.

Specioza’s dream is to educate her children to the university level, earn enough to begin a savings account, and to open her own clothing boutique to relieve the physical burden of carrying a heavy bag all day.

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.

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
  • 82
    View loans »
    Uganda Loans Fundraising
  • $33,534,000
    Funds lent in using Kiva
  • 2,000.1
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Nkambo-Specioza Group's $750 loan helped a member purchase bales of bulk used clothing in larger quantities.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 12, 2008
Nov 25, 2008
Currency Exchange Loss:
Sep 15, 2009