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Florence is 38 years of age, married with six children aged between 3 and 18 years, all attending school. The family owns and resides in a four-roomed house where she stays with five people, the rest of the children residing in the village with her parents. Florence takes care of additional family members. The family has access to electricity but no piped water at home and has three meals a day. Florence's greatest monthly expenses include the utility bills, school fees for the children, medication, and food for the family.

For over ten years Florence has owned a mini-bakery retailing chapatti from Kikuubo, one of the busiest places in Kampala, and so incurs transport costs to and from shopping and receives an average of 40 customers a day. Her main challenges are defaulters, the rainy season because she works from a muddy place, and ever-increasing prices for baking flour and cooking oil.

She has been with MCDT for over seven years and will now be servicing her sixteenth loan, working all this time with the same group mates. Florence wants to use this loan to buy more cartons of baking flour and jerrycans of cooking oil. She aspires to see her business grow bigger and eventually hopes to start a big bakery

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
  • 223
    View loans »
    Uganda Loans Fundraising
  • $32,028,325
    Funds lent in using Kiva
  • 2,006.1
    Uganda Shillings (UGX) = $1 USD