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Harriet Nakalembe‘S Group
In this Group: Harriet, Abdul , Jackline, Annet
Harriet is the leader of four members of a group. She is 37 years old and married with five children aged between 5 and 20 years. All her children go to school. She resides in and owns a four-roomed house where she is staying with eight people. Harriet takes care of additional family members. There is electricity but no piped water at her home. The family gets three meals a day.

Harriet resides and works in a semi-urban area which is in the outskirts of Kampala. Harriet sells secondhand clothes in Owino Market. She sells to an average of fifteen people a day and sells to all categories of people. She works six days a week.

Harriet buys clothes from Owino, one of the busiest markets in Kampala city, and pays for transportation costs to and from work. Her major monthly expenses include rent for the business premises and electricity. She has been in this business for the last six years. Her main challenges are thieves and seasonality.

Harriet has been with MCDT for over six years and is servicing her twelfth loan, working all this time with the same group members. She wants to use this loan to buy more clothes to sell. Harriet is aspiring to own a permanent shop for her business.

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
  • 206
    View loans »
    Uganda Loans Fundraising
  • $31,377,250
    Funds lent in using Kiva
  • 2,245.5
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Harriet Nakalembe‘S Group's $1,225 loan helped a member to buy more used-clothing to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 13, 2009
May 26, 2009
Currency Exchange Loss:
Oct 15, 2009