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Hadjah Muwanga‘S Group
In this Group: Hadjah, Margaret, Prossy, Catherine
Hadjah is 45 years of age, married, and has two children aged 10 and 27 years. She owns a four-roomed house where she is staying with twelve people and doesn’t take care of any additional family members. She has access to electricity and piped water at home. The family gets three meals a day.

Hadjah sells charcoal in Bwaise and doesn’t incur any extra transport cost as she buys from her place of work and that is how she earns her living. Her monthly expenses include licence and school fees for her children. Hadjah sells to all categories of people and works six days week. She has done this business for four months now and before joining the charcoal business she used to fry eatables.

This is her tenth loan since she joined MCDT five years ago, working with the same group-mates. Hadjah wants to use this loan to buy more charcoal for resale. She would like to see her business grow bigger and wants to own permanent business premises.

Additional Information


This loan is administered by MCDT SACCO, a savings and credit institution operating in Kampala, Uganda. The mission of MCDT SACCO is to provide sustainable financial services to the lower strata of Uganda's poor, especially women, for their economic and social development. MCDT's cooperative structure also affords its clients the opportunity to own shares of the organization and benefit from its financial performance. For more on MCDT SACCO, please see our partner page at, and join our lending team, Friends of MCDT SACCO, at

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Uganda

  • $1,800
    Average annual income
  • 292
    View loans »
    Uganda Loans Fundraising
  • $31,090,750
    Funds lent in using Kiva
  • 2,165.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Hadjah Muwanga‘S Group's $850 loan helped a member to buy charcoal for resale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 21, 2009
Apr 21, 2009
Currency Exchange Loss:
Sep 15, 2009