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Eseza Tumugirwa ‘S Group
In this Group: Eseza , Margret , Janifer , Prossy
Eseza is a 34-year-old married woman with five children between the ages of 10 and 20. All her children go to school. Eseza takes care of additional family members. She rents and lives in a two-room house with five people. The family has access to electricity and piped water and gets three meals a day.

Eseza owns a stall where she sells secondhand clothes. She incurs transportation costs to and from buying the clothes at the Owino Market, one of the busiest markets in Uganda. She works in a semi-urban area on the outskirts of Kampala. She works seven days a week. She receives an average of thirty customers a day and sells to all categories of people, both on a retail and a wholesale basis.

Her greatest monthly expenses include feeding the family, paying school fees for her children, and paying rent for her business and her residence. Her major business challenge is the rainy season, which hinders her customers' ability to reach her because she works in a muddy place.

Eseza has been in this business for ten years and with the Kiva field partner, MCDT (Micro-Credit for Development and Transformation), for eight years, now servicing her 16th loan, working with the same group mates. Eseza joined MCDT because it was near her home and was working with poor women.

She wants to use this loan to buy more bales of secondhand clothes. She hopes to see her business grower bigger so she can sell on a wholesale basis only.

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
  • 204
    View loans »
    Uganda Loans Fundraising
  • $32,028,325
    Funds lent in using Kiva
  • 1,952.0
    Uganda Shillings (UGX) = $1 USD