Clothes and shoes

Joyce Nansasi
Loan group 
Gulu Gulu Naluwala 1426
Sector 
Farming (animal rearing)
Disbursement date 
07/05/2018
Repayment frequency 
Weekly
Expected end date 
06/05/2019
Business plan 
Joyce buys ladies new clothes from Kampala in Kikuubo and transports them in a taxi to her home in Sai where she later moves in the nearby villages on their market days to sell them off, these villages entail Ntengeru, Katosi and Kisoga. Joyce says that she sells these items on Sunday, Saturday and Wednesday and the rest of the days she is at home ploughing her garden since she also gets some extra small income during harvest period. Joyce says that now days ladies clothes and shoes are not really so profitable since there are many people in the same business that is why she wants to divert her business a little buy adding in men’s clothes and bed sheets since these items are constantly being asked for by since if her customers though she always doesn’t have them hence she wants to take out a loan and be able to buy these items. She says this will boost her profits and in return she will buy a cow that will also generate some income in case it gives birth and thus she will be able to carter for her children’s needs.
Personal situation 
Joyce says that she was in her senior four when her father passed away and her mother was not financially stable to pay for her fees since she was now going to advanced level and the fees structure was a bit high so she had to eventually drop out of school. She was later taken by her relatives where she started working in one of their retail shop though without any pay since these were her family members and they were looking after her. She later got married though the marriage didn’t last for long since he married another wife and its believed that the second wife bewitched her since she fell sick for a long time and the disease was incurable in the hospital though the local witch doctor cured her. After she got better, she started digging on people’s farm lands and she got money to start her business.
$417
Date of birth 
1970
Children 
6

Typos or poor quality photos? The microcredit applications are written by the team in Uganda. English is not their first language, and the photos are taken and uploaded with the team's phones in field conditions. Please bear with us and assess the meaning, not the form of the applications!