Business name: Juliana's quarry

Location: Acholi quarters

Partner: http://LifeInAfrica.com (WE center Kampala)

Partner Rep: Ndelo Peter and Grace Aaya

Enterprenuer: Auma Juliana

Activity: quarrying

Loan use: paying labor

Loan terms: 6 months

Loan Amount: 250,000/=

Loan description:

Juliana is an active member of Life in Africa. She is a widow who is raising six dhildren on her own. Originally she lived in the North but she was forced to flee her home because of the war in 1998. She settled in Kampala in the IDP camp known as the Acholi Quarters and she is still there after all this time.

She works very hard to provide for her children She labors in the rock quarry and she also participates in the Life in Africa bead making program. Becoming a member of LiA has made life much easier for herself and her orphan children. Three are in school and these school fees are always a big challenge to meet. Her income is just never enough to profide all that they need.

She has a lot of experience in the rock quarry and if she starts her own small business instead of working for someone else her income will increase. She could easily show a profit each month of 150,000/= which would allow her children to continue in school

To accomplish this she is seeking a loan in the amount of 250,000/= to cover the expenses and labor of this business. She will be able to repay this loan in 6 months.

Below is her budget:

Extraction..3 trips.................90,000/=

Breaking............................20, 000/=

Carrying out from the pit...........30,000/=

Crashing into smaller pieces........96, 000/=

Emergency ..........................14,000/=

Total..................................250,000/=

[Edited by group owner: Evvy Bryning on 28 Sep 2007 11:11 PDT: edited content - Still need photo]

[Edited by group owner: Ndelo Peter on 30 Sep 2007 02:42 PDT: image]

[Edited by group owner: Ndelo Peter on 30 Sep 2007 02:50 PDT: image]

[Edited by group owner: Ndelo Peter on 01 Oct 2007 01:34 PDT: image]

Business name: Hellen's: quarry

Location: Acholi quarters

Partner: http://LifeInAfrica.com (WE center Kampala)

Partner Rep: Ndelo Peter and Grace Aaya

Enterprenuer: Akumu Hellen

Activity: quarrying

Loan use: paying labor

Loan terms: 6 months

Loan Amount: 250,000/=

Loan description:

Hellene is a responsible and committed widow. She came to Kampala in 1996 when she was forced to flee the rebels in the North. She settled in an IDP camp called the Acholi Quarters and she is still there.

She is a hard worker and she does not just sit and wait for help but she is constantly moving and working to make ends meet. She mostly labors in the stone quarry but she has also become a member of Life in Africa and is active in the bead making program. This has really improved her life but things like rent, school fees and food are still a challenge each month.

She would like to increase her monthly income by running her own stone quarry business. She has experience in this and she is confident she can earn 150,000/= each month. To accomplish this she is seeking a loan in the amount of 250,000/= and she will be able to repay this loan in 6 months.

below is her budget:

Extraction.3 trips……………………………………………….. 90,000/=

Breaking………………………………………………………….........20, 000/=

Carrying out from the pit…………………………. ……………30,000/=

Crashing into smaller pieces …………………………………….96, 000/=

Emergency ………………………………………………………..........14,000/=

Total ...................................250,000/=

[Edited by group owner: Evvy Bryning on 28 Sep 2007 11:21 PDT: edited content. Still needs photo]

[Edited by group owner: Ndelo Peter on 04 Oct 2007 08:51 PDT: photo]

Business name: Adong Rose's quarry

Location: Acholi quarters

Partner: http://LifeInAfrica.com (WE center Kampala)

Partner Rep: Ndelo Peter and Grace Aaya

Enterprenuer: Adong Rose

Activity: quarrying

Loan use: paying labor

Loan terms: 6 months

Loan Amount: 250,000/=

Loan description:

Adong Rose is an Acholi by tribe aged 30 years. She was forced to flee her home in the North due to the war and she lives in an IDP camp known as the Acholi Quarters. It was here that she met her husband who is Mucholi and they have been blessed by God with two children. She says she is afraid to return to the North until a firm peace agreement has been reached.

Like most Acholis in the camp she labors in the stone quarry to earn a living. She is also an active member of Life in Africa where she earns some money in the bead making program. She already owns her own plot in the quarry but would like to expand to earn more income

With this new business she will not only increase her own income but she will be able to create some jobs for other people living at the camp. She believes it is a good time to cash in on all the construction and renovation going on in Kampala right now. She plans to make two trip each month which will earn a profit of 50,000/= per trip after all expenses.

To do this she is seeking a loan in the amount of 250,000/= and she will be able to repay this loan in 6 months.

Below is her budget:

-Removing soil from pit…………………………50,000/=

-Extraction of 2 trips of stone…………………50,000/=

-Breaking …………………………………………30,000/=

-Breaking into aggregates ………………………..80,000/=

-Buying more tools like big hammer, 5 chisels…..40,000/=

Total ………………………………………………250,000/=

[Edited by group owner: Evvy Bryning on 28 Sep 2007 11:36 PDT: edited content. still needs photo]

[Edited by group owner: Ndelo Peter on 01 Oct 2007 02:22 PDT: image]

Business name: Aol Alice

Location: Acholi quarters

Partner: http://LifeInAfrica.com (WE center Kampala)

Partner Rep: Ndelo Peter and Grace Ayaa

Enterprenuer: Aol Alice

Activity: Restocking bar and extending a shade

Loan use: Bar

Loan terms: 6 months

Loan Amount: 250,000/=

Loan description:

Aol Alice is a married woman with two children. She is Acholi by tribe and is aged 38 years. She left Northern Uganda ten years back due to rebel activities that claimed many lives and left thousands homeless. Alice believes that if she did not flee and take refugee in Acholi quarters Kampala, she would have fallen prey to the Joseph Kony war!

After arriving in Kampala life was not easy. She had no money for food or other needs so she turned to the stone quarry to eke out a living. Then she joined Life in Africa and that softened her life. When she joined the LIA community, there were many handcraft activities such as paper beads bracelets, banana fireball, baskets and among others. These helped her so much to earn a better living than ever before.

Life in Africa’s partnership with Kiva to give loans became very significant to her. She is a good business woman and works very hard. Alice with her own small savings, three years ago opened a local bar in Acholi quarters that she started with one crate of beer and one crate of soda. The bar has gained its popularity with enough customers and there is a need for an increase in stock and expansion of the bar.

To achieve this expansion of her business she is seeking a loan in the amount of 250,000/=/ She will be able to repay this loan in 6 months.

Below is breakdown:

Extending a shade ……………………………….50, 000/=

Buying 15 empty crates of beer @ 5000/=………75.000/=

Buying 4 crates of beer @ 28,000/=……………..115200/=

Drinking straws ………………………………….8000/=

Others ……………………………………………1800/=

Total………………………………………………250,000/=

[Edited by group owner: Ndelo Peter on 28 Sep 2007 06:20 PDT: image]

[Edited by group owner: Evvy Bryning on 28 Sep 2007 11:46 PDT: edited content. This one is final]

Business name: Filfda's groundnut shop

Location: Acholi quarters

Partner: http://LifeInAfrica.com (WE center Kampala)

Partner Rep: Ndelo Peter and Grace Aaya

Enterprenuer: Apoto Filfda

Activity: Buying groundnut

Loan use: Buying and selling groundnut

Loan terms: 6 months

Loan Amount: 250,000/=

Loan description:

Apoto Filfda is an active member of Life in Africa. She originally came from Norther Uganda but was forced to leave her home due to Kony,s insurgency. She is a married woman aged 45 with seven children and they all live in the IDP camp in Kampala known as the Acholi Quarters.

She is working in stone quarry where earns some money to sustain her family but this is not enough with seven children to support. Filfda has a good plan to start a business buying and selling of groundnuts. They are a favorite of Acholis and are always in high demand. She plans to grind some and sell some that are whole to those who may need them. She expects a monthly profit of 50,000/= per month.

To do this business she is requesting loan in the amount of 250,000/=. Once given this loan she will be able to repay in 6 months.

below is her break down:

200 kilograms of groundnuts @ ……………….200, 000/=

Transport……………………………………….20, 000/=

Grinding…………………………………………30,000/=

Total……………………………………………..250,000/=

[Edited by group owner: Evvy Bryning on 28 Sep 2007 11:57 PDT: edited content. still needs photo]

[Edited by group owner: Ndelo Peter on 04 Oct 2007 08:44 PDT: photo]

Deleted by Linda per Partner rep: Peter

Thanks Linda.

Business name; Mike's Boda-Boda

BusinessLocation: Pece Te-Gwana

Partner: http://LifeInAfrica.com (WE Center Gulu)

Partner Rep: Munnu Morrish and Grace Ayaa.

Enterprenuer: Akena Mk Micheal

Loan use: buying amotor cycle.

Loan Loan term: 12 months

Loan amount: 1,500,000UgX

Akena is a married man with two kids. He has been operating a phone set as well as working as a carpenter and to supplement his income he works as the manager incharge of production at Life in Africa Gulu. Currently Micheal is in charge of the construction of the new LiA location in Gulu. He is happy with the Life in Africa program was please with the first Kiva loan he got which helped him set up the phone business.This has greatly changed his standard of living and his family life. He can now raise over 300,000=ushs a month for a living.

He would now like to expand his business by purchasing and running a boda boda service. With more and more people returning to the Gulu area a boda boda becomes a good investment. He would operate it partly himself but would also hire someone to work which would provide a job.

He is seeking a loan in the amount of 1,500,000= to buy a amoto-cycle. After expenses he will earn a minimum of 50,000ushs out of the operation. He plans to repay the Loan in 12 months and he will use his savings to add to the loan for other things like hiring someone and fuel for the start of the business.

His loan Budget is as below:

Bajaz(moto bike).............................1,500,000/=

wage...................................................8,000 @day

Fuel...................................................10,000=@day

Total:................................................. 1,518,000/=

[Edited by group owner: Evvy Bryning on 28 Sep 2007 15:03 PDT: edit content. final]

From the Kiva web site:

Due to a recent surge in support ignited by viewers of the Oprah Winfrey Show, the Today Show, and readers of President Clinton's newly released book Giving, there is currently a shortage of businesses in need of loans. The Kiva.org staff and our Field Partners are working overtime to get more businesses on the website. In the meantime, thank you for your patience!

WOW - fantastic!!

Deleted

Deleted

[Edited by group owner: Linda Nowakowski on 18 Sep 2007 23:47 PDT: duplicate ]

Ezra obiga said:

Business name: Ayoo Jennifer Akello’s charcoal

Location: Acholi quarters

Partner: http://LifeInAfrica.com (WE center Kampala)

Partner Rep: Ezra Kayia and Grace Ayaa

Entrepreneur: Ayoo Jennifer Akello

Picture:

Activity: selling charcoal

Loan use: paying labor

Loan terms: 5 months

Loan Amount: 250,000/=

Loan description:

Ayoo Jennifer Akello is an Acholi woman. She is a single mother raising four children. Two are her own children and the two are orphans from her late brother. She left Kit Gum (found in the northern part of Uganda) to come to Kampala in 2003 due to the war activities that where and still are in her region. She settled in the IDP camp known as the Achole Quarters and this is where she still lives today.

When she lost her husband in 1990, life became a hell to her. Taking care of the children all alone was a big challenge. In the camp she started to look for ways she could provide for her children and keep them well by getting them clothes, educating them and even feeding them. With the small money that she saved she started a small grocery selling vegegable, onions, tomatoes and smoked fish. She worked hard and is able to earn a profit of 40,000/= each month. This helps but it is not enough to provide their needs.

In 2005 she joined Life in Africa and for the first time in years she began to have hope. She participates in many income generating activities and it has greatly improved the life of the family. With her newly found hope she is determined to further increase the income by adding a charcoal business.

There fore, Ayoo Jennifer Akello is kindly requesting for the loan of 250,000/= that she wants to use in the charcoal business. She promises that if this loan is given to her, she will pay it in the period of 5 months and bellow is how she is going to use the loan if it is given to her,

Buying

-20 sacks of charcoal each at 10,000/= so total will be……….. 200,000/=

-Off lording/labour from the truck is 2000 per a sack. Total will be. 40,000/=

-Emergency …………………………………………………………10,000/=

Total……………………………………………………………………….250,000/=

[Edited by group owner: Evvy Bryning on 28 Sep 2007 12:10 PDT: edited content. still needs photo]

Deleted

[Edited by group owner: Linda Nowakowski on 18 Sep 2007 23:49 PDT: Triplicate :-)]

[Deleted by author on 16 Oct 2007 03:36 PDT: it was a repeat]

[Deleted by author on 16 Oct 2007 03:42 PDT: it was a repeat ]

[Deleted by author on 19 Sep 2007 06:18 PDT: deleted a repit]

Ezra obiga said:

LOAN APPLICANT; Lanyero Christine

Business name: Lanyero Christine

Location: Acholi quarters

Partner: http://LifeInAfrica.com (WE center Kampala)

Partner Rep: Ezra kayia and Grace Ayaa

Entrepreneur: Lanyero Christine

Activity: Grocery

Loan use: starting up a grocery

Loan terms: 4 months

Loan Amount: 250,000/=

Loan description:

Lanyero Christine is a Ugandan by nationality, an Acholi by tribe and is 38 years of age. She is a married woman with four children. Lanyero and her family left Gulu because of the war that was in the north. It was so terrible to the extent that it took so many peoples lives. In 1998, Lanyero and her family fled to Kampala and settled on the land (the acholi quarters,), which was offered to them by the King of Buganda to settle on since he had sympathy for the people of northern Uganda.

When she settled in the camp, she began to work in the stone quarry to earn some income. From the stone quarry, she was earning 1000 per day. As time when on, she began to work harder and was able to earn 2000 shillings per day of which she is still earning up to now of which makes her earn 60000 shillings per month.

In 2005,she joined Life in Africa where she learned how to make the paper beads and started to earn between 60,000 to 100,000 shillings most months. Lanyero used her money to start a small business that she runs by her self where she sells things like the tomatoes, cabbages, vegetables and onions. She does well but with a large family she needs to increase her income to profide for their needs.

Her plan is to add capital to expand her business. Demand is high but she needs to add stock to meet this demand. She also wants to add sim sim and charcoal to her inventory which will further increase her profits. To do this she is seeking a loan in the amount of 250,000 shillings. She will earn a good profit on this investment of 110,000 to 130,000/= each month and will be able to repay this loan in 4 months.

Bellow is how she is going to use 250,000 shillings: -

Buying - Cabbages…………………..40,000/=

• Onions……………………..10,000/=
• Tomatoes…………………..30,000/=
• Vegetables…………………30,000/=
• Transport for the month……30,000/=
• Sim-sim for………………...110,000/=

Total…………………………….250,000/=

[Edited by group owner: Evvy Bryning on 28 Sep 2007 12:43 PDT: edited content. still need photo]

[Edited by group owner: Ndelo Peter on 01 Oct 2007 01:51 PDT: image]

[Deleted by author on 16 Oct 2007 03:50 PDT: it was a re peat]

LOAN APPLICANT; Opoka Alex

Business name: Opoka’s second clothes shop

Location: Acholi quarters

Partner: http://LifeInAfrica.com (WE center Kampala)

Partner Rep: Ezra kayia and Grace Ayaa

Entrepreneur: Opoka

Activity: selling second hand cloth

Loan use: buying bale

Loan terms: 5 months

Loan Amount: 250,000/=

Loan description:

Opoka Alex is male Ugandan by nationality, an Acholi by tribe and he is 34 years old. He is married and with his wife he has five children. Three of them go to school and the two are at home.

By 1998, Opoka Alex left his village in Acholibur division found in the Pader district because of the danger of the war. He settled at the IDP camp called the Acholli Quarters where he is still staying up to now. While in the quarters, Opoka Alex worked in the stone quarry from which he earned some money for him and his family. Though he was earning some money from the quarry, life was not easy at all. There were a lot of demands in his family and life became nothing but a struggle to earn money so that he can help the family survive.

In 2007 Opoka Alex did joined Life in Africa and worked as a guard/watch man. He was put immediately on the salary scale and he began earning 90,000/= as his salary at every end of the month. Just like a thirsty man in the desert who finds an oasis, Opoka Alex’s life became better than it had been in years.

He has a good plan of beginning a business selling second hand clothes to his village. The clothes are in high demand and he is confident that the business will be a success but he lacks capital to start it up. He heard about Kiva at Life in Africa and is so excited that his dream may come true. With the money he earns from this business he will be able to send his other two children to school.

He is seeking a loan in the amount of 250,000/=. He will be able to repay this loan in 5 months.

Below is the budget for the 250,000/=

-Buy a bale of second hand clothes at 150,000/=

-Transporting of this bale to the place of sale…..60,000/=

-Paying tax in the market place to allow him sale….20,000/=

-Emergency …………………………………………20,000/=

-Total……………………………………………………250/000/=

[Edited by group owner: Ndelo Peter on 28 Sep 2007 06:11 PDT: image]

[Edited by group owner: Evvy Bryning on 28 Sep 2007 13:32 PDT: edited content. This is final]

Should we be setting up these loan applications in a workspace like we used to do? It does make for easier editing.

This is all very cool. One thing I dont understand on the proposals is that it details the expenses but has no detail on the revenues. I would like to see something, using the rock quarry model for example, that shows how much the rocks sell for each month. This would let the lender figure out how long it takes to get the business cash flow positive.

Also - I think it would be helpful to try to break out startup expenses from ongoing expenses

Hi John,

I understand your questions but think I should clarify that these loan proposals will go to Kiva and so the format is designed for their site and their requirements.

For our own loans and projects we do require a little more information like in the Soap Project. But for these it only needs to be a description of the business and an intro to the person, how much they need and what their pay back schedule is. If you look on the Kiva.org site you will see that you don't even see the budget.

We put them up here because they need help in editing the stories. We do require them to have a budget, they do have to verify how they will repay and we do look it over to make sure it makes sense. Our communities must approve these loans before they are sent to Kiva. And believe me, they are tough. If they don't think a business will be profitable or that the person will not be able to pay, they vote no on it and that person has to apply the next month with a better plan. They take it very seriously which is why Kiva was so impressed with the LiA community.

I hope that explains a little.

Evvy, I thought that the most recent loans were handled in a discussion thread and each of the editors was made a group owner so that they could edit?

Owners can edit yes, but we put them in a workspace instead of a thread. It made it much easer to be able to find them and to edit them and to get the answers to questions since they were all organized and in one place. We could also keep track of all the requirements needed like a photo. Then when they were ready it was an easy task to get them uploaded to Kiva. Thats how we did it before. I can set up the workspace tonight if that is agreeable.