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Kansiime Sarah
Sarah needs a group loan to restock her retail shop business with items such as a carton of salt packets, 50 kg bag of sugar, 100 kg bag of maize flour, box of laundry bar soap and 20-liter jerrican of cooking oil. She has been running the business for one year and it’s situated in a good location with many customers. Sarah shares her house with the business, she operates the shop in the front room touching on the road side and sleeps in the room behind the shop but rent fare for the two rooms is paid differently.  She has a fridge in her shop to keep all the perishable products safe. So, the business has low probability of risk.   27/06/2020 Top up Loan   Sarah is looking for a top up loan of UGX 300,000/ to revamp her retail business. The business has run out of stock due to the pandemic crisis. She will use this loan to buy a bag of sugar (50 kg), Box of bar soap, Bag of rice (100 kg) and Bag of maize flour (100 kg) for restocking the business.
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7.84 %

Nakaweesa Christine
She is looking for a group loan to purchase more stock items for the business such as 2 bags of sugar (50kg each), 2 Jerricans of cooking oil (20 Liters each) and bag of rice. Christine is a teacher and employees a shop attendant to run the business and pays her a monthly salary. She started the business in 2017 and it’s now two years in operation. The shop sells household ordinary consumable items and it’s strategically located in a fairly populated residential area. The demand is readily available in the area. There is no major risk for the business since the flow of stock has a high turnover. 27/06/2020 Top up Loan Christine is looking for a top up loan of UGX 300,000/ to invest in an addition business of mobile money servises using Airtel line. In the previous five months, she has been operating it by selling airtime and sales were promising. That's why she considered to seek for a top up loan.
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9.22 %

Lubega Tracy Teddy
She is up for a loan to restock her retail shop with items such as stationery especially primary exercise books, manilas, pencils. Other items include a 50kg bag of sugar, 20L Jerrican of cooking oil, bag of rice and detergents. She is a teacher by profession and spends most of the time at the school but she employees a shop attendant to run the shop which is an alternative source of income. The shop attendant is a family member and she has not yet started paying her since she is still on a probation. The business has been in operation for one year and demand for goods is readily available. The shop is for locally desired household consumable items. The officer did not notice any major risk for the business but observed that stock items were scanty in the shelves with many customer walk-ins. The shop is located in a residential area with only one more shop in a radius of 100m. Tracy also owns a school called New Generation junior school with approximately 100 pupils located right opposite the shop. 27/06/2020 Top up Loan Teddy is seeking for a top up loan of UGX 400,000/ to restock her Retailshop Business. She will use this loan to buy a bag of Sugar (50 kg), Bag of beans (50 kg), 50 kg of maize flour, Box of bar soap, 50 kg of rice and 20 litters of cooking oil. She operates a Nursery school as her main business which has been closed up to now due to COVID-19 crisis. She is currently dependent on a retailshop as her source of income and livelihood. This has strained the business but she is confident that if she gets this top up loan, she will be able to the existing and  loan obligations.
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9.89 %

Nakanwagi Phionah
She needs a loan to buy more food items for the Food stall business such as a bag of plantains (matooke), box of tomatoes, onions and vegetables. She attends to this business during day from 8.00 am-6.00pm and later in the evening she operates a sewing machine (tailoring) so as to earn some additional income. She has been operating these businesses for 2 years. The demand for raw food is readily available. However, all the stock items are perishable by nature and she has no fridge to keep them longer. When plantains (matooke) over stay for a week or so days, they start ripping by turning yellow making them not suitable for food and culminates into a financial loss.
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9.64 %

Namutebi Shamim
Namutebi is seeking for a group loan to restock the food stall with raw food item such as three bags and ten bunches of plantains (matooke). She is operating the Raw food stall in Kibuye market located 1km from Kampala city center along Entebe road and has been doing this business for year. She is okay with the performance of the business. Since she is dealing in perishable food stuff, there is a likelihood that if the plantains overstays on the stall from 3 days or so, some of them may start getting ripe and cause a financial loss in the business but she mitigates this risk by securing a stock level that can be sold in less than 3 days.
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9.84 %

Namukasa Annet
Annet is operating a drug shop south of Kajjansi market in Kajjansi Town Council. She needs a loan to increase on the existing stock and fill the stakeouts of drugs. She obtained a local license from Kajjansi Town Council as she process the industry license and the business is operating normally. The business sales are still low in the drug shop but will have positive returns from using this loan. A monthly revenue of UGX 1,452,667/ ($393) is expected from selling of drugs and treatment of patients (children) plus additional income from houses for rent. However, there is a risk of drugs expiring which can cost the business of revenue but its not common. The drug shop contributes 69% of her income while rental houses earns her 31% per month.
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11.97 %

Nakalanzi Edith Kikomeko
Edith operates a vegetable stall located East of Kajjansi Town Council. She needs a group loan to increase on stock items such as Box of tomatoes, a bag of plaintains (Matooke), box of egg plants, box of onions, sweet potatoes, cabbage, cassava, pumpkins and 5 bags of charcoal. She expects sales revenue of UGX 620,000/ ($168) per month. She has been doing this business for five years and employs one staff. She buys vegetables in small quantities because are perishable if they over stay on the shelves. She also operates a side business of brick laying where she employs 5 people to make bricks. Vegetable business contributes 18% while brick laying earns 82% of her income.  
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9.98 %

Nabbosa Sarah
To increase the business stock with items such as 5 crates of beer and a 20 litre jerican of Uganda warragi (gin). She is currently sleeping in the same room with the bar to avoid curfew hours when going back home. Due to Corona virus, bars are still restricted but since the bar doubles as her home, she can serve customers who buy and takeaway. She has been operating the business for the last fouteen years which helps her to know the dynamics in the business and address them as soon as possible.
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11.93 %

Nakitto Winnie
To expand the business of supplying fresh fish especially tilapia and Nile perch  to Kibuye market in  Kampala city and surrounding areas. She needs a loan to expand wholesale fish business. She has been in this business since 2011 and very confident that during the right seasons, she can make a lot of money. She also deal in selling new and used clothes around major landing sites in Kalangala district on the shores of Lake Victoria. During daytime, she attends to the clothes business then later in the evening, uses the cash collected throughout the day to suppliment the fish business. There is a very minimal risk since fish has readily available market. Both businesses generate a monthly sales revenue of UGX 10,168,000/ ($2,748). The clothes business contribute 21% of her income while Fish business earns her 79% per month.
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9.25 %

Nalugo Angela
  She is up for a loan to purchase three metal flasks, a dozen of saucepans, three dozen of plates and food. She has been in this type of business for four years. Her business has a risk of food going bad if not consumed within the day but she has clients who keep eating her food.
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6.70 %

Namutebi Catherine
Catherine is a resident of Kajjansi town. She has been in this kind of business for thirty-two years. She is up for a loan to purchase a box of tomatoes, a bag of onions, vegetables, fruits, charcoal stove and raw food. She is confident that she can service the loan since she has enough experience on her business.
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12.00 %

Mubiru Dickson
Dickson owns and operate a chapatti stall along Entebbe road infront of Kajjansi market parking yard. The stall is situated in an open area and he uses an umbrella as a temporary protection against the hot sun and rainy. He needs a loan to buy 40 litres of cooking oil, one sack of charcoal, two cartons of baking flour and twelve trays of eggs. Dickson has enough experience in baking Chapattis since 2015.  The business employs five people. However, he had a contract to supply snacks to St Mary's secondary school which has been closed due to corona virus restrictions. That's why the loan amount has been slashed to half. He also has a side business of growing and trading in coffee which earns him more income after harvest which at times supplements on his Chapatti business when the season is favorable.
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10.41 %

Zawedde Winnie
Winnie is operating a business stall in Kajjansi Market. She is up for a loan to restock the business with items such as charcoal stoves, five chapatti saucepans, three small baskets, mats, medicinal plants and other craft items.  The loan is intended to increase on the existing stock and variety of stock items.The business has low risk exposure due to charcoal cooking stoves placed near the stalls by the vendors. It's quite unlikely to happen.
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9.26 %

Nayiga Sharifa
Sharifa operates a business stall in Kajjansi Market and she needs a loan to buy more stock items such as eight metal charcoal stoves, seven clay stoves, six chapatti metallic saucepans, chapatti and mandazi frying spoons. She has been doing this business since 2016. The business has a major risk of clay stoves breaking when not properly handled or kept. Nayiga also operateGrinding mill as a side business where she employs her sister. This loan will be used buy engine oil and twenty litres of diesel for  running the mill.
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11.99 %

Niwabiine Pleasant
Niwabiine operates a Passion Fruit Retail shop in Kajjansi Market and has been in business since 2017. She needs a group loan to increase on the existing stock by buying 7 bags of passion fruits, bag of oranges, bag of tangerine, bag of lemon and box of mangoes. Supply of fruits depends on changes in the season in the course of the year. The business is owned by Niwabiine (princial borrower) but operates it with her husband in intervals.
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9.07 %

Nantongo Rose
Rose is operating a Dry Fish stall in Kajjansi market. She needs a group loan to increase on the business stock with dry tilapia type of fish, Nile perch fish and silver fish. During the covid-19 lockdown crisis, she could not get stable supply of fish due to restricted public transport but after easing on restrictions, she wants to buy directly from fishermen to get rid of middlemen who charge high prices. Otherwise, the business is good. The price of each fish ranges between UGX 10,000/-22,000/ depending on the size. The fish is preserved by smoking them regularly on a charcoal stove.
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10.95 %

Nalubwama Alice
Alice is running a Dry Fish Stall in Kajjansi market and has been doing it since 2005. She needs a group loan to add more stock items of smoked fish especially of types Nile perch and Tilapia. The business stock will increase which had shrunk during COVID-19 lockdown period as much of her capital was used for consumption smoothing. Each smoked Nile perch fish cost between UGX 8,000/-22,000/ depending on the size. Recently, she has been buying stock from suppliers who deliver to Kajjansi market considerably at high prices but since transport was eased, she will buy directly from fishermen at Kasenyi landing site to have the option to choose good quality fish at relatively low prices other than buying from middle men. She preverves the fish by continuously smoking it on charcoal stove.
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10.73 %

Nambalirwa Mariam
Mariam keeps poultry in her own home located in Kajjansi Cell A, Kajjansi town council and has been doing it since 1980. She has specialised in rearing of broiler type of chicken for meet and takes a maturity period of utmost 1.5 months, ready for sale. However, there are some delays experienced when she places the order for chicks from Ugachick chicken suppliers company for a period of a week or two. This can over stretch the expected maturity period. She divided the sty into two sections, where she uses one when the other is resting for another phase. To maintain the business conuinuity, she needs an agriculture loan to buy  260 broiler chicks and 3 bags of chicken feeds. The business is okay though it needs constant care by providing timely feeding, watering, treatment and finding market at the right time. Otherwise, when chicks are not sold in time, can become costly to the farmer.
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11.60 %

Ssebanyiga Christopher
Christopher needs a loan to expand his charcoal stall business.  The current stock stands at 40 sacks of charcoal and he wants to increase it to a tune of 80 bags. He is a charcoal wholesaler who targets small quantity distrubutors and end users. Currently a sack (75 Kg) of charcoal is trading between UGX 75,000 ($20) to UGX 95,000 ($26) depending on the trading center. The business is lucrative since it's the cheapest source of energy for household use especially cooking in the peri-urban areas like Kajjansi town council.  He also runs an additional business of brick laying where he employs temporary labourers, hires transport companies to deliver materials like firewood for baking bricks. Charcoal business contributes 54% of his income while brick laying earns him 46% per month.
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11.96 %

Nabwato Dorothy
Dorothy needs a group loan to start a mobile money business using two telephone lines for Mobile Telecommunication Network (MTN) and Airtel companies. It's a new business where she will be employed herself full time. The raw food and vegetable stall also employs one person and it's the principal business that's going to service this loan as she is setting up a mobile money business. MTN line for mobile money will cost UGX 200,000/ ($54) while Airtel may cost UGX 180,000/($49). The balance will be used for float (digital money) and physical cash to those who want to withdraw. She is expecting to earn UGX 60,000/ ($16) per day. The business is exposed to a risk of people who are circulating counterfeit money but she will install a counterfeit money detector machine to mitigate the risk and at a less extent the business may face robbery due to cash held at the counter.
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11.80 %

Nakimuli Ritah
Ritah needs a group loan to incresease on her business stock of charcoal. The current stock stands at 7 sacks. She wants to buy more eight (8) sacks of charcoal to increase the stock to 15 sacks. She sells charcoal to individual customers from small quantities like tins of UGX 1,000/ ($0.27) up to a full sack of UGX 95,000/ ($26). The additional vegetable stall business contributes 15% of her income while charcoal stall earns her 85%.
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11.99 %

Nanyonjo Margret Kazibwe
Margret is operating a sewing machine to repair clothes and make new ones for sale. She needs a group loan to increase on the business stock with 6 pieces of bitenge materials of different colours and patterns, women accessories such as ear rings, bangle, necklaces, braces etc. and gomesis (Uganda traditional women wear). She is employed by this business on full time. She also sells fruit juice which earns her extra income. All her business undertakings are okay.
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7.39 %

Nakajiri Harriet
Harriet needs a group loan to purchase more stock items to expand the business. The stock almost got depleted during the lockdown period. Stock items to be purchased include a box of tomatoes, tin of onions, 3 bunches of sweet bananas, basket of orranges and 10 pieces of bark clothes. The business generates a net sales income of UGX 300,000/ ($81) per month and this loan is to rejuvinate this business from this down turn.
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11.96 %

Namakula Harina
Harina grows vegetables such as nakati, sukumawiki and dodo at her plot located in Kajjansi Kitende-Bwebajja Cell(KKB) and has been doing it since 2010. She has been growing the vegetables on an estimated ¼ acre of land; however, she intends to expand the production to cover an estimated 1-acre piece of land due to the growing number of clients. She therefore needs an agricultural loan to buy a water pump, vegetable seedlings, pesticides and hire of labour in the farm. The average customer are the vegetable market vendors who buy directly from her. The maturity period of the vegetables is between 6-8 weeks.    She also prepares snacks and food stuff that she has been supplying to schools except for during this Covid-19 period, however with the reopening of the schools this will enable her generate more income as well. However, she is not the only vegetable farmer in and around the area, this implies that if the production from several farmers is high the prices of vegetables are likely to come down thus affecting the sales revenue. In the event of a long dry season also, this is likely to affect the yields of the vegetables. However, this risk is minimal given the presence of a river that flows besides the land and the fact that she intends to get a water pump that will be used for irrigation purposes during such situations. However, the vegetable farming business is promising and with the opening of schools, her snacks and foods stuff business will be able to generate additional income for her.
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9.32 %

Nanfuka Diana
Diana needs an individual business loan to enable her increase on the existing stock of drugs and other stockouts. She is a trained nurse and operates a drug shop located about 200 metres from Kajjansi market. She has been doing this business for more than 15 years which gives her confidence about the business prosepcts. This loan's monthly repayments is also highly secured by our monthly rental income that shall be deducted at source as authorised by Diana who also happens to be the land lady of our office premises.
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9.65 %

Sseguku Microfinance
Sseguku Microfinance Uganda (SMUG) is seeking an enterprise loan to finance its operations such as; paying staff salaries and office expenses for the remainder of the financial year 2020. The need has arisen due to declining earnings as a result of the Ugandan government's efforts to limit the spread of the Corona virus. This resulted to a decline in the business performance due to the negative effect of the Covid-19 pandemic that affected some of our clients, but after lifting the restrictions, gradually  businesses started recovering and we have continued giving out loans to our clients and we hope the situation will remain the same and even get much better.
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10.04 %