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Joyce is a 35-year-old married woman with five children aged between 7 and 18 years. All her children go to school. She resides in and rents a one-roomed house where she lives with five people. Joyce also takes care of additional family members. The family doesn’t have access to electricity or piped water.

Joyce has a stall selling vegetables and bananas and pays for transport costs to and from shopping. On average, she receives about thirty customers a day. She works in the outskirts of Kampala and has been in this business for ten years and with MCDT seven years. She is servicing her twelfth loan, working with the same group members.

Joyce’s monthly expenses include feeding the family, accommodation, and medication. Her business challenges include transportation and the rainy season which hinders her customers from coming to her.

Joyce wants to use this loan to buy more boxes of tomatoes, cabbages and sacks of bananas. She is aspiring to seeing her business grow bigger and to start buying directly from farmers.

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

About Uganda

  • $1,800
    Average annual income
  • 136
    View loans »
    Uganda Loans Fundraising
  • $31,940,600
    Funds lent in using Kiva
  • 1,868.5
    Uganda Shillings (UGX) = $1 USD