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Monica Niagara lives in Uganda. She is married and has 6 children, all of whom are in school. She also takes care of additional family members (her elderly mother).

Monica has a business of a retail shop. She has been in this business for 5 years, and she works 7 days out of every week. Monica sells her products from home, by means of wholesale. Monica has requested a loan of 700000 Ugandan Shillings, from MCDT SACCO, which she will use to buy more bags of sugar, cartons of salt, a bag of maize flour and cooking oil. She also generates additional income through selling raw food. The main business challenge(s) for Monica include seasonality and transportation. Her goals and aspirations for her business are to become a wholesaler.

Monica lives in a home that she rents; she has access to electricity, but doesn't have access to piped water. Her major monthly expenses include rent, school fees and medication.

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
  • 204
    View loans »
    Uganda Loans Fundraising
  • $31,442,275
    Funds lent in using Kiva
  • 2,595.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Monica to buy more bags of sugar, cartons of salt, a bag of maize flour and cooking oil.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 26, 2011
Jul 28, 2011
Currency Exchange Loss:
Feb 15, 2012