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Balywunya Mixed Group
In this Group: Sarah , Hope, Beatrice, Tonny, Nalenge, Sarah, Florence, Mable, Mary, Stella, Sarah, Prossy, Mary, Eva, Mary, Mayiauna, Justine
Sarah makes necklaces and bracelets through a program called Beads-4-life. She has also has a lively bar in Mukono. Sarah has been running her bar for about 10 years, but it was only about seven months ago that she began making jewelry.

To make her jewelry, Sarah uses beads that are made from paper that is dipped in glue. This style of beads is very common in Uganda. It is a day-long process to prepare the beads. First, she must cut and roll the paper, then she shapes each individual bead, and dips it in the glue mixture. After the beads are formed, they are left in the sun to dry overnight. The following day, Sarah will be able to make 10 necklaces and 10 bracelets.

Sarah sells her completed jewelry to some sellers in Kampala. She can sell her bracelets for 3,000 or 5,000 USH. Her necklaces range from 1,5000 to 6,000 USH. Since she buys her equipment for about 4,000 USH, she is able to make a nice profit from this new business venture.

Sarah and her husband have separated. She has two children who are both adults, but she looks after her five grandchildren. She provides for their daily needs while their parents work.

Today, Sarah is requesting a loan of 300,000 USH. With this loan, Sarah will restock her bar, buy crates of soda and beer, and also buy a few kilos of paper for her bead work.

Additional Information

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
  • 120
    View loans »
    Uganda Loans Fundraising
  • $33,830,100
    Funds lent in using Kiva
  • 2,104.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Balywunya Mixed Group's $2,450 loan helped a member to purchase supplies for bead-making and restock her bar.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 24, 2009
Mar 25, 2009
Currency Exchange Loss:
Aug 15, 2009