Joyce Mbowa is a Life in Africa member now earning income through making beads from recycled paper. Buy Jungle Bead Gift Bundles for everyone on your holiday list.

Joyce has applied for a small loan to expand her patchwork business which has been reviewed and guaranteed by her peers in the Life in Africa community, and fully funded at Kiva.org!

Visit Kiva to read a full description of Joyce's loan and an ongoing journal about the impact on Joyce's life. Congratulations Joyce!

Joyce Mbowa doing her patch work

I monica Nankoma conducted an income assessment with Joyce Mbowa and her incomes and expenditures are as listed below.

She has two sources of income,

Works with Invisible bracelet project and earns: Ushs.240,000=

Earns from her crafts sales and gets Ushs.200,000=

Giving her a total earning of 440,000/= month.

Her expenditures are:

Food : 60,000=
School fees: 100,000=
Dependants : 50,000=
Airtime : 20,000=

Total expenses = Ushs. 230,000

After her monthly expenses she has a surplus of Ushs, 210,000/=

She needs a loan of Ushs. 800,000/= and together with her, found out that she is capable of repaying her loan in a period of 12 months in installments of Ushs. 80,665/=

This will leave her with a disposable income of Ushs.129,335/= to cater for other uncertainities.

Read Joyce's findings about the cause of under development in her country.

Africa Speaks: What has contributed to Uganda’s poor state of development (by Joyce Mbowa)

Joyce reports on her life in Africa

My Life in Africa Reports: Joyce Mbowa