Ssemakula Patrick, Group Loan, ID: 42

SSemakula needs a loan to repair his motocycle to be used for transport services locally known as bodaboda. The motorcycle broke down and he has been keeping at home. He wants to repair and put it back on the road. He also runs a food and vegetable stall in Kajjansi market. Patrick also owns a garden back home for produces such as sweet potatoes, egg plants, tomatoes and bananas. However, he lamented that proceeds from the garden are not stable because when the farm production is high then prices go down while during extensive drought production is low and of poor quality which culminates to low sales.

Loan status
Loan product
Group Loan
Loan amount
UGX 200,000
Repayment period
Repayment interval
Grace period

Create date
Published date
Auction end date
Disbursement date

Disbursement fee
4.00 %
Interest commission
15.00 %
Lender interest limit
12.00 %
Average lender interest
12.00 %
Cost for business
UGX 20,696
APR (Annual percentage rate)
49.15 %

Client name
Ssemakula Patrick
Client description
Patrick is a married man born in 1965, resident of Bweya Central Cell. He is operating a vegetable and food stall in Kajjansi Market as well as a farm of produces.
Client images
Due diligence status
Kajjansi IV
This group is made up of members who are working in Kajjansi market especially in the raw food section open area. They use temporary shelters on their stalls like umbrellas to prevent themselves and produces from direct heat from the sun and heavy rain.
This subgroup is called mirembe which means peace in Luganda language. These members came together in a peacefull spirit to work hard and improve on their standard of living through accessing micro business loans from SMUG.
Officer Name
Waca Ivan

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