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Nulu Nakakande‘S Group
In this Group: Nulu, Fatuma , Jacent, Nulu , Aidah
Nulu is the leader of the five members of the group. She is 48 years old and married with three children aged between 23 and 30. They are all married. She resides in and owns a five-roomed house where she is staying with four people. Nulu doesn’t take care of any additional family members. There is electricity but no piped water at her home. The family gets three meals a day. She resides and works in a semi urban area which is in the outskirts of Kampala.

Nulu runs a hotel in Wankulukuku, one of the city suburbs. She sells meals to an average of 30 people a day, and works seven days a week. Nulu’s major monthly expenses include rent for the business, electricity and medication. She doesn’t incur extra transport cost to and from shopping as she buys from her place of work. She has been in this business for the last six years and sells to all categories of people. Her main challenges are increasing prices of meat and competition. Prior to this business Nulu sold sugar cane.

Nulu has been with MCDT (Micro Credit for Development and Transformation) for over five years and is requesting her twelfth loan, working all this time with the same group members. She wants to use this loan to pay rent for her business premises and also to buy more food for her restaurant. Nulu is aspiring to own two eating joints in town.

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
  • 192
    View loans »
    Uganda Loans Fundraising
  • $31,346,400
    Funds lent in using Kiva
  • 2,210.5
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Nulu Nakakande‘S Group's $1,225 loan helped a member to buy more food for her restauarnt and to pay rent.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
May 6, 2009
May 14, 2009
Currency Exchange Loss:
Nov 15, 2009