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Joyce N. lives in Ntinda, a neighborhood in the city of Kampala, Uganda. She is married and has 3 children, all of whom are in school. She also takes care of additional family members (her sister). Joyce has a business of selling weave-on braids and hair plaits. She has been in this business for 3 years, and she works 6 days out of every week.

Joyce sells her products in a shop, retail. Joyce has requested a loan of 1,500,000/= Ugandan Shillings from MCDT SACCO, which she will use to buy more boxes of weave-ons, creams, and braids. The main business challenges for Joyce include defaulters and seasonality. Her aspiration for her business is to own two salons. She decided to join MCDT because of their giving out timely loans.

Joyce lives in a home that she rents; she has access to electricity and piped water. Her major monthly expenses include paying utility bills, food, rent and school fees.

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

  • $1,500
    Average annual income
  • 157
    View loans »
    Uganda Loans Fundraising
  • $28,703,800
    Funds lent in using Kiva
  • 2,255.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Joyce to buy more boxes of weave-ons, braids and cosmetics.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 26, 2010
Aug 28, 2010
Currency Exchange Loss:
Jan 15, 2011