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Happy New Year to many!

Posted on in Blog
First Blog of 2019!

We would like to wish you all a very Happy New Year and we are delighted to say we have received a few loan re payments from our Kiva borrowers over the holidays which has enabled us to start 2019 by re lending to others, Read all about them below ..

Sani's story

Sani is a maize farmer living in a small village in northern Nigeria. Similar to other farmers in the region, Sani’s main income is from farming, which is perceived as non-lucrative. However, Sani is able to practice farming in a more lucrative way through access to training, quality agricultural inputs, and farming services that increase his yields by up to double the national Nigerian average.

However, Sani needs a harvest advance loan to avoid losing part of his expected margins when, in order to take care of his family’s immediate needs, he must sell his maize at low prices during harvest. Through this harvest advance loan, Sani will receive cash equal to his value of maize at harvest while Babban Gona stores his maize and sells it at a higher price in the future.

With his increased income from this farming season, Sani plans on purchasing additional farmland for a bigger harvest next season. With this investment, Sani will help contribute his quota to alleviating poverty in northern Nigeria.

Winnie's story

Winnie is 18 years old and lives in the town of Namutumba in the Iganga region of Uganda. For the past two years, Winnie has been working hard to manage her clothing business, which sells trousers, blouses, t-shirts, shirts, dresses, and traditional dresses.

To help expand her business, Winnie has requested a loan of 1,000,000 UGX (Ugandan Shillings) (Approx £200) from BRAC Uganda. The loan will be used to buy hangers, clothes pegs, and a dressing mirror, and will help her to generate greater profits.

Winnie will use the profits of the business to pay rent for her business premises, buy necessities for herself, pay house bills, and provide basic needs for the family like food, and thereby improving on their standard of living. Winnie hopes that in the future she will be able to buy a sewing machine and start offering tailoring services.

Winnie is a member of BRAC's Empowerment and Livelihood for Adolescents (ELA) program. In addition to microfinance loans, the program provides a safe place for young Ugandan women to take part in group activities.

What a lovely way to start the year!

Victoria Mahon

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