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Safina Nakalema‘S Group
In this Group: Safina , Aisha , Aisha, Esther
Safina is the leader of a group with 4 members. She is a 49-year-old married woman with five children between the ages of 12 and 20. All her children go to school. She resides in and owns a one-room house where she is staying with three people. Safina takes care of 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 on the outskirts of Kampala. Safina operates a restaurant in Nakulabye, one of Kampala's suburbs. She sells to all kinds of customers, serving an average of 20 people a day. She works six days a week. Safina buys all the food she requires from Nakulabye market and doesn't pay extra for transportation to and from shopping. Her major monthly expenses are rent for the business premises and her residence. She has been in this business for the last two years. Her main challenge is the rainy season, which stops her customers from coming to her restaurant. Safina has been with MCDT for over two years and is requesting her fourth loan, working all this time with the same group mates. She wants to use this loan to buy more saucepans, plates, and cups. She aspires to open up another eating joint.

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
  • 147
    View loans »
    Uganda Loans Fundraising
  • $32,003,575
    Funds lent in using Kiva
  • 2,245.5
    Uganda Shillings (UGX) = $1 USD