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Joyce is married and the mother of five children, all of whom are enrolled in school. For the last seven years, she has earned a living by running a beauty salon. She works on all categories of hair and is at her shop seven days a week. Joyce is requesting a loan for 500,000 UGX from MCDTSACCO to buy more supplies for her salon, which is located in her home. Her major business challenges are seasonality and an unreliable supply of electricity. Someday she hopes to own a bridal salon and educate her children through the university level. She lives in a rented house and has access to electricity and piped-in water. Her monthly expenses include school fees, rent and utilities.

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
  • 288
    View loans »
    Uganda Loans Fundraising
  • $31,111,650
    Funds lent in using Kiva
  • 2,475.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Joyce to buy supplies for a beauty salon.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jul 13, 2012
Jul 16, 2012
Currency Exchange Loss:
Jan 17, 2013