Microloans for S. Sudanese Refugee Women in Uganda

by Hope Ofiriha
Small loan allows Anna operate a tiny business!
Small loan allows Anna operate a tiny business!

HOPE Ofiriha provided small loans, basic business training and on-going guidance to groups of South Sudanese women stranded in the outskirts of Kampala.

This enables the women to develop self-sustainable livelihoods, to feed, clothe, educate their children, and work their way out of the poverty trap. By the time of reporting, the charity had six groups, each group with 50 members. Since inception had made 400 loans to around 300 women directly impacting the lives of 1400 family members and dependents.

They receive individual loans, but take responsibility for repayment of each other’s loans collectively. The group structure is similar to the one used by Muhammad Yunus’s Grameen Bank, where joint liability for repayment alleviates the lack of security or collateral on the loans. This means that if one member gets into trouble, the others provide assistance and support to ensure success throughout the group. In Uganda the average loan size ranges from USD 100-250 per member.

The microloan programme is complemented by group cohesion training. Since around two-thirds of our clients have little or no schooling, we consider the training to be essential to the overall success of our programme. To this end, all clients receive four training sessions before their first loan, and subsequently receive training during loan cycles as required.

At a request of the group a client is charge interest on loans, and this contributes towards running costs of the group-organization. The groups are working making the operations sustainable in the long term, and interest payments covering local overheads. We have projected the microloan programme will be operating at a sustainable level by the end of 2012.

However, we do not believe that universal access should be sacrifice in the pursuit of sustainability, and consequently we place an emphasis on ensuring we are serving the poorest clients (South Sudanese women) stranded in the outskirt Kampala areas. 135 clients returned to South Sudan in 2011/ 2012.


Her productive business gives nice smiles
Her productive business gives nice smiles

Thanks for your recent generous gift to Microloans for S. Sudanese Refugee Women in Uganda.

Your commitment to help the needy to get liberated from extreme poverty is really appreciated by our trustees, and those who benefit most- the Children!

Your donation will fund six new women to operate petty businesses. They will use 50% of the profits to pay for basic needs, 25% to re-pay the loans, and save 25% in Group saving account. These women are eager to see this project progressing because this is the only lifeline for them in Uganda.

This initiative is continuing to expand its outreach to impoverished South Sudanese who are stranded in the outskirts of Kampala with loan, business training and support to get women start with income creation enterprises.

Since this project is under implementation, we will be sending you our quarterly reports about our work. You will get to know what your donation has helped impact, what we have achieved.

Once again, thank you for all you do for Hope Ofiriha.


Sata Lamunu, beneficiary
Sata Lamunu, beneficiary
Thanks for your recent generous gift to Microloans for S. Sudanese Refugee Women in Uganda.
Your commitment to help women and children to defeat poverty is appreciated by our Board, and those who benefit most – the children!

Your donation will be used to fund microloan to new borrowers for the next three months. The applicants are under screening. The project will grant loan to 15 qualified extremely poor families. The beneficiaries are eager to see this project progressing.
Until this project is fully funded, we will be sending you quarterly field report about our work. You will get to know what your donation has helped impact, what we have achieved.
Once again, thank you for all you do for Hope Ofiriha.


Grace Kamatoro
Grace Kamatoro

International Women’s Day, on March 8, a time to reflect on the achievements and contributions of women around the world. 

Here’s a story that illustrates how Hope Ofiriha’s microloan programs can help carry a woman from a life of poverty to one of dignity, independence, and leadership as the chief executive Officer of her own business.

Grace Kamatoro grew up facing harsh circumstances. Her brothers and sisters resettled in Canada and Australia. Grace decided to stay to fight poverty to the end. From a young age, her situation appeared to provide little hope for the future. When she became a mother, she could barely afford to provide for her children.

But with two simple assets – a sewing machine and a small loan from Hope Ofiriha – this mother was able to set up a profitable business that provides a valuable service to her community and an employment opportunity for others who are struggling to support themselves and their families.

And her children? They’re all in school now, able to dream about their futures.

Microloan is a sustainable solution for women affected by poverty, like Grace. A small loan helps a hardworking entrepreneur create or expand a business, and as her endeavor succeeds, she is able to repay the loan, which is then recycle to help someone else who share similar circumstances.

Meanwhile, she is able to establish financial independence and the means to care for her family, which gives her children the opportunity for a future of hope. Just one business loan can have limitless benefits — for a mother, a family, and a community.

In honor of International Women’s Day, fund a loan for a hardworking female entrepreneur. Your gift has the potential to create unlimited benefits for a family and community as it recycles in impact to help more and more people escape poverty.


Miss Akello Susan, a new Field Coordinator
Miss Akello Susan, a new Field Coordinator

I’m Akello Susan, a new Field Coordinator. I will be sending you project updates from the ground throughout 2012. Read more

Hope Ofiriha would like to thank our donors for your ongoing support. Because of your generosity, we are operating 14 small scale projects in South Sudan and Uganda.

As we head to a new year, we ask that you please keep Hope Ofiriha in mind for year-end donations. We’re currently raising money to fund a clean water hand pump and Mairo School building projects that will benefits children in Omilling. Whether your giving is influenced by the spirit of the season giving, tax planning or a desire to contribute to a great cause, your gift will make a tremendous difference in the lives of those who will benefit from these projects.

By making your year-end donation to Hope Ofiriha via the “Donate Now” button on our GlobalGiving page, you can help us fight extreme poverty.

We wish you a Happy New Year from Hope Ofiriha!


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Organization Information

Hope Ofiriha

Location: Oslo, Norway - Norway
Website: http:/​/​www.ofiriha.org
Project Leader:
William Logai Ochieng
Oslo, Oslo Norway
$19,012 raised of $26,000 goal
392 donations
$6,988 to go
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