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Nakawuka Epharance Group
In this Group: Beeda, Safina, Ephrance, Annet
Ephrance is the leader of a 4 member group. She is a 34-year-old single mother of three children, aged between 11 and 15 years. All of her children go to school. She resides in a rented one-roomed house where she is staying with four people. 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. Ephrance sells vegetables in Bwaise Market, one of Kampala suburbs. She sells to all categories of people, an average of 10 customers a day. She works six days a week. Ephrance buys the vegetables from Nakasero Market, one of the busiest markets in Kampala, and uses public transport to and from shopping. Her major monthly expenses include medication, school fees and feeding the family. She has been in this business for the last ten years. Her main challenge is the rainy season, which stops her daily routine of moving door to door. Margaret has been with MCDT for over ten years and requesting her twentieth loan, working all this long with the same group mates. She wants to use this loan to buy more fruit and vegetables. Ephrance aspires to see her business grow bigger and to own a permanent business premise.

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
  • 168
    View loans »
    Uganda Loans Fundraising
  • $32,013,100
    Funds lent in using Kiva
  • 2,120.0
    Uganda Shillings (UGX) = $1 USD