Uganda: September07loans in progres

This is where the advanced internet for change agents are to post the loan discriptions for the month of september.

Last comment added: Wed, 17 Oct 2007 05:57:17 PDT

Comment 1 on Uganda: September07loans in progres

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]

Comment 2 on Uganda: September07loans in progres

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]

Comment 3 on Uganda: September07loans in progres

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]

Comment 4 on Uganda: September07loans in progres

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]

Comment 5 on Uganda: September07loans in progres

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]

Comment 6 on Uganda: September07loans in progres

Deleted by Linda per Partner rep: Peter

Comment 7 on Uganda: September07loans in progres

Thanks Linda.

Comment 8 on Uganda: September07loans in progres

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]

Comment 9 on Uganda: September07loans in progres

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!

Comment 10 on Uganda: September07loans in progres

WOW - fantastic!!

Comment 11 on Uganda: September07loans in progres

Deleted

Comment 12 on Uganda: September07loans in progres

Deleted

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

Comment 13 on Uganda: September07loans in progres

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]

Comment 14 on Uganda: September07loans in progres

Deleted

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

Comment 15 on Uganda: September07loans in progres

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

Comment 16 on Uganda: September07loans in progres

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

Comment 17 on Uganda: September07loans in progres

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

Comment 18 on Uganda: September07loans in progres

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]

Comment 19 on Uganda: September07loans in progres

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

Comment 20 on Uganda: September07loans in progres

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]

Comment 21 on Uganda: September07loans in progres

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

Comment 22 on Uganda: September07loans in progres

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

Comment 23 on Uganda: September07loans in progres

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.

Comment 24 on Uganda: September07loans in progres

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?

Comment 25 on Uganda: September07loans in progres

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.

Comment 26 on Uganda: September07loans in progres

http://www.omidyar.net/group/i4c /news/13/

Comment 27 on Uganda: September07loans in progres

http://www.omidyar.net/group/i4c /ws/april07loans/

Comment 28 on Uganda: September07loans in progres

Makes sense. Does Kiva prohibit creating a budget or talking more about the revenue side? I wonder if the average US lendor would understand how breaking rocks by hand can be a business so I would think it would help to have more on the revenue side, but I dont know the Kiva process or lendor well enough to judge.

Comment 29 on Uganda: September07loans in progres

I don't care how this goes. Munnu asked me to move the loans from the workspace to this thread.

Comment 30 on Uganda: September07loans in progres

I am not sure it is a matter of prohibiting. They expect that the supporting organization does the screening (in our case that would be the community). From everything I have seen on Kiva, their donors want to read about the person and decide to help them based their reaction to the story and to the person, not to how sound the business plan is. It is totally people giving a helping hand to other people in need. And they have now loaned out over $10 million with a 97.6% full payback record so they must be doing something right.

Comment 31 on Uganda: September07loans in progres

Linda Nowakowski said:

I don't care how this goes. Munnu asked me to move the loans from the workspace to this thread.

Its okay. Doesn't have to be any particular way. I'll just leave it as it is.

Comment 32 on Uganda: September07loans in progres

Business name: Pety Business.

Location: Industrial area (Gulu)

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

Partner reps: Robert Oketa/Grace Ayaa

Enterprenuer: Aber Dorin

Activity: Buying and selling charcoal.

Loan amount: 250,000/-shillings.

Loan period:6 months.

Loan discription:

Aber Dorin is a responsible widow who is taking care of 7 children in her family. Five of the children belong to her, and 2 belong to her sister who died in 1986 at the onset of the northern Uganda war. Aber lost her husband Alex, a UPDF soldier, in 1999 on the battle field when there was cross fire between UPDF and the LRA rebels. The death of her husband in 1999, preceded by that of her parents in 1987 and her sister in 1986 left her totally distorted and disoriented. This loss has also left her with orphans to take care of, which has been very difficult for her.

Aber has managed these problems by being a serious peasant farmer who grows crops for home consumption and for sale. Success in this activity has helped her to pay the school fees for her children and provide for them all the basic needs. Aber is also a traditional birth attendant and this is helping her to make ends meet: whoever is assisted by her in giving birth will give her soap, money and other things in exchange for her services. This has been of great help since the war began, as there has not been enough medical facilities to meet the overwhelming needs of the war-displaced people.

And in her free time Aber has also been running a retail business on the side selling charcoal. She has been buying the charcoal from the Acet IDP camp 20 kilometers from Gulu town. This business, which started with very little capital, has been maintained up to now. Aber chose this business because of rising demand created by the increasing population within the town areas. She wishes to expand this business to meet the rising demand, and is seeking the capital necessary to do so. To do this, Aber hopes to bring charcoal to town at least two times in a month by buying from the village where it is cheaper and transporting it back to Gulu town. She expects to make a profit of 160,000U shillings monthly.

Aber is now seeking for a loan worth 250,000U shillings to help her invest in the busines of selling charcoal which she has been doing at a smaller scale. She will be able to repay this loan in 6 months.

Below is her plan :

License:................10,000U shillings per year.

Transport:............................40,000U shillings [monthly?].

Store:.................................5,000U shillings monthly.

(Store will be shared with friends, who will contribute 5,000U shillings monthly. They are 5 people sharing one store).

Market dues:...........................6,000U shillings per month.

24 empty sacks @500:..................12,000U shillings Once.

24 sacks of charcoal@7,000/=.........168,000U shillings.

Contigency.............................9,000U shillings

Total:.................................250,000U shillings.

[Edited by group owner: Evvy Bryning on 28 Sep 2007 14:03 PDT: edited content. this is final]

Comment 33 on Uganda: September07loans in progres

Business name: Arach Evalyn, Retail Business (Selling charcoal)

Location: Prison Barracks - Gulu

Partner: LifeInAfrica, We Center, Gulu

Partner Reps: Robert Oketa/Grace Ayaa

Enterprenuer: Arach Evalyn

Activity: Selling charcoal

Loan amount : 250,000/=

Loan term: 6 months

Below is her loan description:

Arach Evalyn is Ugandan by nationality and was born on 11/09/1978 in Bira Jubi village in Pabbo sub county ( Amuru district). Currently she is living in Gulu prison barracks. She is living in the Prison barracks because her husband is a prison warden so the family is staying within the quarters. She is a responsible woman with 3 children; the youngest is 3 years old.

She started primary one at Pabbo primary school and stopped in primary six. She had to grow up fast when in 1987 both her parents were killed by the rebels. Her father was 39 and her mother 32 when they were killed. At that moment, her whole life changed. And she is not alone. So many lives have been lost and properties lost in this 20 year war.

At the moment she is engaged in a retail business selling charcoal. She is buying it from a place called Pabbo which is 24 miles from town. At the moment the price per one sack in the town is 14,000/= but from the village it is only 7,000/= shillings. She is making a profit of 80,000/= shillings per month with the little capital she has. She also cares for an elderly aunt and she helps sell the charcoal in the market. The demand for charcoal is constant so this is a good business to have.

She became a member of Life in Africa in September 2006 where she engages herself in bead making . Once a month (production day) she can sell her beads and earn some money for survival. She has also learned business skills and now wants to expand her charcoal business. This will give her more income which she will use to pay school fees for the children and other basic needs. She will also be able to save some for the future. She anticipates that she will be able to profit 160,000/= per month.

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

You can view her budget for the loan as below:

Store........................................15,000/=

Market dues.............................120,000/=

Transport:.................................10,000/=

26 Empty bags (sacks)..................26,000/=

26 Bags of charcoal...................182,000/=

License:.....................................5,000/=

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

[Edited by group owner: Evvy Bryning on 28 Sep 2007 14:23 PDT: edited content. this is final]

Comment 34 on Uganda: September07loans in progres

Lucy Okello- Vegetable and Fruits

Business name: Petty business

Business Location : Kirombe(Gulu)

Partner: http://LifeInAfrica.com (We center Gulu).

Partner Reps: Robert oketa/Grace Ayaa

Enterprenuer: Lucy Okello

Activity:Buying and selling fruits and vegetables.

Loan amount :250,000/=

Loan use: Buying fruits and vegetables.

Loan term: 06 months.

Loan Discription:

Lucy Okello was born in 1955 from Pabbo sub-county in Gulu district (Northern Uganda). Her husband is a carpenter and she grows food as a farmer. When her food crops are harvested, part of it is sold in the market to get school fees and the remaining portion is for home consumption(food)

In her village she grew food on a large scale and always had plenty to sell as well as to feed her family. However, the family was forced to leave their home and move to Gulu where they could be safe from the LRA rebels and have services like schools, hospital and markets that were no longer available due to the war. In town, she and her husband both work tirelessly to sustain their family. She became a member of Life in Africa and has learned the art of rolling paper beads. She earns a little money selling these beads.

She would like to expand her farming business. Fruits and vegetables are the most demanded and expensive things from the market and if she had some capital to invest she could greatly increase her sales and profit. She has been selling at the market for the last two years and she expects that she will be able to earn at least 150,000/= per month.

To accomplish this she is now seeking for a loan amounting to 250,000/= to help get her started. She will be able to repay this loan in 6 months.

Below is her budget for the loan:

Buying 4 baskets.@ 7500/=......60000/=

Market dues for a month.........12000/=

Store per month ...........10000/=

Buying fruits...................75,000/=

Buying veges....................62000/=

Transport in a month.............20000/=

Hiring stool in a month..........5000/=

Contigency.......................6000/=

G.Total:.........................250,000/=

[Edited by group owner: Evvy Bryning on 28 Sep 2007 14:32 PDT: edited content. this is final]

Comment 35 on Uganda: September07loans in progres

Ayero Jenifer .

Business Name: Ayero Jeneffer-Fish Monger.

Location:Kirombe -Gulu.

Partner:http://LifeInAfrica.com(Wecenter Gulu).

Partner reps: Robert Oketa.

Enterprenuer: Ayero Jeneffer

Activity:Buying and shelling dry fish.

Loan Amount : 250,000/=

Loan period : 6 months.

Description: Loan

Ayero Jenifer is one of the active members of Life in Africa at WE center Gulu . She is living in Kirombe parish which is in Layibi division -Gulu district (Northern Uganda ).

She is a responsible woman with 4 children that she is taking care of. For a long time she had been a business woman in the Gulu main market as a fish monger and the business is still continuing up to now . This business has enable her to sustain the family well . At times the husband could fail to get money completely but she is in the position to get the money for the family welfare and paying the school fees for her children.

She is heading the group for making RP bangles and polythene bags made out of polythene at we center Gulu and the group is doing very well . This has made her to be most creative and hard working among other women within the We center Gulu.

She now plans to expand her business as a Fish Monger. This expansion will allow her to increase her stock and also to increase her income.To do this she is now seeking for a loan of 250,000/= shillings that will enable her to expand her business. She will repay this loan in 12 months.

Below is her loan plan for the business:-

License.........................................30,000/=

Store....................................30,000/=Per year.

Doctors inspection........................5,000/=per year.

Transport.................................45,000/=

Buying 80 kgs of dry fish.................170,000/=

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

[Edited by group owner: Evvy Bryning on 28 Sep 2007 14:47 PDT: edited content. Phote doesn't work]

[Edited by group owner: Evvy Bryning on 03 Oct 2007 07:46 PDT: This is final]

Comment 36 on Uganda: September07loans in progres

Business name: Amos's Quarry.

Location: Acholi quarters (Kampala)

Partner: We Center Kampala (http://LifeInAfrica.com)

Partner reps: Ndelo Peter/Grace Ayaa

Entrepreneur: Ojok Amos

picture:

Activity: employing labors

Loan amount: 250,000/=

Loan period:3 months.

Loan discription

Ojok Amos is an Acholi by tribe; He came to Kampala from Pader districts of Northern Uganda due to wars in the region making it unsafe to stay in his village. From Northern region he settled in Banda Acholi Quarters Kampala where he started working in the stone quarry. He later was brought by his friend to join Life in Africa and started making paper beads and also got a job as a security guard. According to him, his life has changed to good.

Amos’s stone quarry is now in high demand. There is a lot of construction and renovation in Kampala and the gravel needs are large. So, he wants to double his profits by producing more trips. He used to produce get 90,000/= as a profit from two trips per month and he has saved 200,000/=. He is requesting a loan for 250,000/= to add to his savings to expand his business to four trips per month. He will be able to repay this loan in 3 months.

Below is his budget:

-Extraction ……………………. 160,000/=

-Breaking ………………………50,000/=

-Carrying out of the pit…………50,000/=

-Crouching to aggregates ……….240, 000/=

Total …………………………….500, 000/=

[Edited by group owner: Evvy Bryning on 28 Sep 2007 13:40 PDT: edited content. this is final]

Comment 37 on Uganda: September07loans in progres

[Deleted by author on 24 Sep 2007 06:51 PDT: double post]

Comment 38 on Uganda: September07loans in progres

Business name: Lilian's fish sell.

Location: Acholi quarters (Kampala)

Partner: We Center Kampala (http://LifeInAfrica.com)

Partner reps: Ndelo Peter/Grace Ayaa

Entrepreneur: Ayoo Lilian

Activity: Buying fish

Loan use: Fish selling

Loan amount: 250,000/=

Loan period:6 months.

Loan discription

Ayoo Lillian is an Acholi by tribe and was born in 1955. She is a married lady with four children. When the 20 year war in the north became unavoidable, life was so difficult as many lost their lives or were displaced. Lillian for fear of her life, had to take refugee in Kampala in August 2000. On her arrival in Kampala the only place to settle in is Acholi Quarters which is on one of the hills that the King of Buganda offered to them.

It was her first time to be in the city and the way of life became difficult. No cultivation for food, no barter or trade and no free things. To survive here you needed money and she had none. The option for Lillian was to involve her self in stone quarry activities that helped her generate some little capital . Then she found Life in Africa and she was able to earn some money participating in the craft programs.

Lillian now wants to supplement her income by starting a petty business as a fish monger. Fish is a big part of the diet and is always in demand so she is confident that she will be able to make a success. 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:

Putting a shade………………………………………..30,000/=

Buying a container for keeping fish…………………10,000

Transport …………………………………………….10, 000/=

Buying fish ……………………………………….200, 000/=

Total………………………………………………250,000/=

[Edited by group owner: Evvy Bryning on 28 Sep 2007 13:50 PDT: edited content. still needs photo]

Comment 39 on Uganda: September07loans in progres

Business name: Margret's recycling shop.

Location: Acholi quarters (Kampala)

Partner: We Center Kampala (http://LifeInAfrica.com)

Partner reps: Ndelo Peter/Grace Ayaa

Entrepreneur: Akwero Margret

Activity: Buying vanish and papers/magazines

Loan use: seling and buying vanish and magazines

Loan amount: 250,000/=

Loan period:6 months.

Loan discription

Margaret is an Acholi by tribe and a member of life in Africa. She was introduced to life in Africa by one of her friends in Acholi Quarters in 2005. She has been very active in the community activities like paper beads group productions and many other things. She is married lady with three children. She is a creative woman and business minded. With the demand of papers and vanish as raw materials for making paper beads, she wants to carry out this business so that her fellow members and the entire Acholi community may buy from her. Therefore she wants to deal in vanish and papers for making beads. Once given she will be able to repay it in six months and her profit expectation per month will be sixty thousand. Below is her budget:

Buying vanish ……………………..150,000/=

Buying papers ………………………60,000/=

Transport…………………………….10, 000/=

Putting up a shade…………………….30, 000/=

Total…………………………………..250,000/=

Comment 40 on Uganda: September07loans in progres

Peter,

What is the timeline for getting these loans edited and ready for submission?

Comment 41 on Uganda: September07loans in progres

next week on monday

Comment 42 on Uganda: September07loans in progres

here is a list of the current loans here

http://www.ned.com/group/nedugan da/ws/september07loans_in_progre ss/

All have been edited. Only 7 are final. The others all need photos.

Comment 43 on Uganda: September07loans in progres

Business name: Hellen's rental house

Location: Acholi quarters (Kampala)

Partner: We Center Kampala (http://LifeInAfrica.com)

Partner reps: Ndelo Peter/Grace Ayaa

Entrepreneur: Arach Hellen

Activity: Buying materials and paying labor

Loan use: Buliding rental house

Loan amount: 250,000/=

Loan period:6 months.

Loan discription

Arach Hellen is a married woman with eight children who are all school going age. She was originally from Northern Uganda but she came to Kampala in 1996 when Northern Uganda was experiencing Kony's rebel activities. This forced her to move her family away from the region and they settled in an IDP camp known as the Acholi Quarters.

When she settled in Acholi quarters , life was not easy. The only real source of income was to work in the rock quarry. Later she joined Life in Africa and was able to participate in the paper bead project which has enabled her to make additional income. But she and her husband are working hard and are always looking for ways to increase the income that sustains their large family.

They have acquired a plot in the Acholi quarters and their plan is to construct a simple mud two room house that they will rent out. Housing is in high demand and they will be able to rent each room out for 20,000/= per month. This will increase their income by 40,000/= each month which will improve the families standard of living. It will only take two weeks to build the house and they can have tenants move in within two days.

She and her husband have saved 300,000/= and now seeking for a loan in the amount of 250,000/= to add on and make this plan happen. They will be able to repay this loan in 6 month.

Below is the budget:

10 iron sheets of 23 guage @ 13,000..........................130,000/=

Roofing poles ..............................................................40,000/=

3 bags of cement for plastering and flooring @ 24,000/-.................72,000/=

Muding wall .....................................................................................100,000/=

Half pickup of sand .......................................................................30,000/=

3kgs of nails.....................................................................................7000/=

Labor for roofing and plastering.........................................................100,000/=

Trasnport...........................................................................21,000/=

Total ...............................................................................500,000/=

[Edited by group owner: Evvy Bryning on 03 Oct 2007 08:20 PDT: Edited content. This is final]

Comment 44 on Uganda: September07loans in progres

Business name: Hellen Ojara quarry

Location: Laroo Quarry

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

Partner Rep: Okello Morris Barry and Grace Ayaa

Enterprenuer: Hellen Ojara

Activity: quarrying

Loan use: paying labour

Loan terms: 3 months

Loan Amount: 250,000/=

Loan description:

Hellen is an active member of Life in Africa. She has five children of her own and is also keeping six orphans. Originally she lived in West Nile at a village called Panyigoro where the husband stays.

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 provide 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 125,000/= which would allow her children to continue in school

In order to start 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 3 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 03 Oct 2007 08:28 PDT: edited content. This is final]

[Edited by group owner: Evvy Bryning on 03 Oct 2007 08:31 PDT: sorry, needs photo]

Comment 45 on Uganda: September07loans in progres

Business Name:Akello Judith Fish monger

Location:Wilobo Market

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

Partner Reps: Okello morris Barry and Grace Aaya

Enterprenuer : Akello Judith

Activity: Fish monger business

Loan Amount: 250,000/=

Loan term:6 months

Loan Use: business expansion

Loan description;

Akello Judith was born in 1976 in Paicoo sub county Unyama Parish in Gulu district. But currently she is in Pece Gulu Town. She has one child of her own and three dependents, two blood brothers and one blood sister whom she is caring for. Her husband died in 2002 of heart attack.

AT Lacoo hospital she learned the sign language and now she is teaching the deaf in the IDP camp. She was choosen among the volunteers to be trained in sign language and after her course, she applied for employment at AVSI Gulu and she was accepted. She is also a dramatist of mega FM under a programme called Rock point 256. Here their voices are recorded and put for people to listen and learn a lession. They perform concerts and dramas to teach community about the out break of other diseases and the danger of early pregnancy.

Even though she is very active, the income is not enough to sustain her family. She plans to open a fish monger business. Dried fish is in good demand and her sister will be able to help run the business. The extra money earned will greatly improve the standard of living for the family.

She is seeking a loan of 250000/= to start her dry fish business at Cuk madit. She will be able to repay this loan in 6 months.

Below is her business plan:

Buying fish........150,000/=

Licence...........30,000/=

Store..............30,000/=

Stool..............11,000/=

Market dues........9,000/=

Doctor..............5,000/=

Transport...........15,000/=

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

[Edited by group owner: Munnu Morrish on 01 Oct 2007 03:55 PDT: fixin' pic]

[Edited by group owner: Evvy Bryning on 03 Oct 2007 08:44 PDT: Edited content. Final]

Comment 46 on Uganda: September07loans in progres

Business Name:Akello Madellena small scale business

Location:Layibi Market Gulu.

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

Partner Reps: Okello morris Barry and Grace Ayaa

Enterprenuer : Akello Madellena

Activity: Small scale retail business

Loan Amount: 250,000/=

Loan Use: business expansion

Loan term: 3 month

Loan description:

Akello Madellena she is 45 years old woman, born from Anaka village Amuru district. where she even grew from,she is un educated woman. She is marriage and has eight children , at the moment she is living at Layibi Kolo quoter together with the hasband who is a teacher by profession.

In reality she is the resident of Purongo village where she got marriage from. She is now working with Life in Africa in the production of paper beads. Whereby at the end of every month she earn some money from paper beads selling at list 70000/= per month. She is also has a stool for selling dry fish at Layibi market.

She need to borrow the loan of 250000/= .To add onto her business whereby she may also move upto Akokoro where the prices of fish are low. So that she could earn much profit. Which will help her after three month cultivation of crops.

Below is her business budget for 250,000/=

4 empty sacks .............4000/=

1 Basin...................3000/=

5 cups.....................2500/=

Market due..............9000/=

Store........................21500/=

Transport.................30,000/=

Simsim 1 sack...........90,000/=

Peas 1 sack................90,000/=

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

The loan description does not make sense. Is she buying more fish or simsim? is she growing the simsim? is she moving or just going somewhere else to buy fish? please be more clear.

[Edited by group owner: Evvy Bryning on 03 Oct 2007 09:00 PDT: posted questions at the bottom]

Comment 47 on Uganda: September07loans in progres

[Deleted by group owner: robert oketa on 01 Oct 2007 04:47 PDT: Erro in posting.]

Comment 48 on Uganda: September07loans in progres

Business names:Alur Nighty:

Business: Retail Business

Location : Layibi Go-down(Gulu,Uganda)

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

Partner reps: Robert Oketa and Grace Ayaa

Entreprenure: Alur Nighty

Loan activity: Buying and selling Dry fish.

Loan Term: 6 months.

Loan use: Purchasing fish

Loan Amount: 250,000/= U shillings.

Loan dicription:

Alur Nighty, is a resident of Layibi Go-down (Layibi Division), found in Gulu district -Northern Uganda. She has 4 children and all of them are in school. Her husband is a peasant farmer who grows crops on a large scale for home consumption and commercial activities.

Nighty's biggest challenge is paying school fees for her children , feeding the farmily and meeting other basic needs for her farmily. Her husband was sick for 4 month and she had to devote much of her time to care for him. But she was able to borrow some capital from her brother to start a business selling dried fish. She was able to repay her brother after only one month and her business continues to do well.

She chose this business because the demand for fish is high in the local community. Nighty now wants to expand this business which will increase her income each month to about 120,000U shillings. This income will provide the school fees and basic needs for the family.

Nighty is seeking a loan in the amount of 250,000/= to finance this expansion. She intends to repay the loan after 6 months with the profits from her business.

The details of her business plan are as follows:

Buying fish.................................................180,000/=(Twice a month.)

Transport....................................................24,000/= (Two trips a month.)

Liecence.....................................................30,000/= ( For a year).

Seeing doctor( Medical recomendation).....5,000/= (Once a year).

Market dues...............200/= a day..............(4,800/= (a month.)

Contigency..................................................1200/=

Store............................................................5000/=( a month)

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

[Edited by group owner: Evvy Bryning on 03 Oct 2007 09:16 PDT: edited content. final]

Comment 49 on Uganda: September07loans in progres

Business Name: Aciro magret charcoal selling

Location: Cereleno.

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

Partner Reps: Okello Morris Barry and Grace Aaya

Entrepreneur: Aciro magret Activity: Buying and selling Charcoal

Loan Amount: 250,000/=

Loan Use: Buying and selling Charcoal

Loan Term: 6 months

Loan Description:

Aciro Magret is 27 years old. She has been working as a volunteer at Charity for Peace Foundation (CPF) caring for night commuters who sleep in town to avoid rebel abduction since 2003. She has one child that she is supporting since her divorce from her husband.

She has been earning her living by selling charcoal and some produce. She also joined Life in Afria and participates in the team craft production where she has learned to work with the community to help each other make better lives. These endeavors help her to feed her child and she has even been able to save 25,000/= in extra capital to reinvest in her business.

She wants to enlarge her charcoal business so that she can increase her income each month to provide a better life for her and her child. 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.

Her budget is as follows.

1.18 bags charcoal.....153000shs.

2.Loading and off loading fees..7200shs.

3.Transport for 18 bags .......45000shs.

4.Storage renting.................3600shs.

5.Forestry fee......................5400shs.

6.Market dues for 6 weeks........12600shs.

7.License for one year...............20000shs.

[Edited by group owner: Evvy Bryning on 03 Oct 2007 09:33 PDT: edited content. needs photo]

[Edited by group owner: Evvy Bryning on 03 Oct 2007 09:37 PDT: needs photo]

Comment 50 on Uganda: September07loans in progres

Business names:Jeneffer

Business:Petty Business

Location : Layibi Go-down(Gulu,Uganda)

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

Partner reps: Robert Oketa and Grace Ayaa

Entreprenure: Jeneffer Opoka

Loan activity: Selling Charcoal.

Loan Term: 6 months.

Loan use:Buying Charcoal

Loan Amount: 250,000/= U shillings.

Loan dicription:

Jeneffer Opoka is a resident of Layibi Go-down (Layibi Division), found in Gulu district -Northern Uganda. She has 3 children and one is in school. The other two are still young and will not go to school for 2 years. She is married and her husband is a retailer in second hand clothes.

Jeneffer had to drop out of school in primary seven because her family had no money for school fees. She was at loose ends after that and so, like many other young girls in her situation, she got married. Her husband was also very poor and their life was hard. But they kept working and her husband was finally able to get a loan to start his business. His business now is doing very well and has even expanded. Jeneffer started a small charcoal business to help out and has been running it for 2 years. This is a good business since over 50% of the population in town must buy charcoal. She now wants to expand this business which will increase the profits earned each month. She and her husband both have experience in taking a little capital and turning it into successful businesses. She will be able to earn 110,000/= each month which will help the family and will allow for them to save.

Jeneffer is now seeking a loan of 250,000 /=U shillings to expand her business. She intends to repay the loan after 6 months with the profits from her business

The details of her business plan are as follows:

Store........................................15,000/=

Market dues.............................120,000/=

Transport:.................................10,000/=

26 Empty bags (sacks)..................26,000/=

26 Bags of charcoal...................182,000/=

License:.....................................5,000/=

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

[Edited by group owner: Evvy Bryning on 03 Oct 2007 09:59 PDT: edited content. needs photo]

Comment 51 on Uganda: September07loans in progres

[Deleted by author on 02 Oct 2007 21:29 PDT: deleted acoment]

Comment 52 on Uganda: September07loans in progres

Ezra obiga said:

Business name: Muhindo Dronika’s charcoal

Location: Banda

Partner Rep: Ezra Kayia and Grace Ayaa

Entrepreneur: Muhindo Dronica

Activity: selling charcoal

Loan use: Start business

Loan terms: 6 months

Loan Amount: 250,000/=

Loan description:

Muhindo Dronica is a Ugandan by nationality, a Mukonjo by tribe, female by sex, aged 45 and a mother to seven children. Mukundo comes from Kasese found in the western part of Uganda in a place where the mountain Rwenzori is. She came to Kampala in 2001 due to the Allied Democratic Forces (ADF), which is a rebel group that is opposing the Ugandan government and is based in western Uganda with rear bases in the Democratic. This group forced many of the people to move to the neighboring districts for refuge.

So when she came to Kampala, she settled in the IDP camp known as the Acholi Quarters with many acholli people who had also had to run from the rebels. She went to work in the stone quarry where she was getting 2000/= shillings per day. She then joined Life in Africa and started eaning more income in the bead program. This improved their life but she wanted to provide more for her children. She saved and was able to buy a stone pit and now employs others to work for her. This too improved their standard of living.

Her challenge now is to find the money to pay school fees. To raise this money she plans to start a family charcoal business. Charcoal is in high demand and she knows she will be able to earn enough to pay the fees.

To start this new 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 her budget:

Buy 12 sacks of charcoal each costing sh13000/= and total will be sh156, 000/=

Transport for each bag cost sh2000/= and total for 10 bags will be sh20, 000/=

8 Polls for constructing a store for keeping in the charcoal each poll costing 1500 and total sh12, 000/=

Buy 6 papyrus es for roofing the store where each cost sh5000/= and the total will be sh30.000/=

Buy 1kg of nails at sh2, 000/=

Lab our for constructing the shelter/store sh15, 000/=

Emergence sh15, 000/=

Final total will be sh250, 000/=

[Edited by group owner: Evvy Bryning on 03 Oct 2007 10:19 PDT: edited content. needs photo]

Comment 53 on Uganda: September07loans in progres

Business name: Catherine's food joint

Location: Acholi quarters - Banda

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

Partner Rep: Ndelo peter and Grace Ayaa

Entrepreneur: Ayaa Catherine

Activity: buying food stuff

Loan use: selling food

Loan terms: 6 months

Loan Amount: 250,000/=

Loan description:

Ayaa Catherine is an Acholi from Gulu. She was forced to moved from there due to the war in the region. She resettled in the IDP camp called the Acholi Quarters and started working in the stone quarry to earn money.

She joined Life in Africa in 2005 and got involved in the community recycling activities. Ayaa is a very hard working person and has a good business mind. She noticed that at the stone quarry, people seems to be so busy that they cannot go back to their homes for lunch. She did a survey and found that many would like to have an eating joint nearby. She feels this would not only be making her an income but would also be serving the community.

A food business is one of the things that will never lack customers. She has managed to put up an eating structure and has also acquired benches. Now she needs to buy food stuff and utensils. She is therefore seeking a loan amounting to 250,000/= that she will repay in six months once given.

here is the budget for the business:

5 kgs of meat @ 3000....................................................15,000/=

10kgs of beans @ 1000....................................................10,000/=

2 sacks of charcol.@............................................................50,000/=

20 Plates @ 2000 .......................................................40,000/=

20 plastic cups @ 500 ......................................................10,000/=

5 saurcepans @ 10,000 ......................................................50,000/=

5kgs of rice @ 1500 ..........................................................7500/=

5kgs maize flour @ 1000 ..................................................5000/=

1 bunch of banana,@............................................................8000/=

carpet.....................................................................................15,000/=

5 liters of cooking oil............................................................22500/=

others ...................................................................................15,000/=

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

[Edited by group owner: Evvy Bryning on 03 Oct 2007 10:31 PDT: content edited. final]