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Justine lives in Kampala, Uganda. She is married and has three children, and all her children go to school. She also takes care of one additional family member. She lives in her own house and the family has access to electricity but not to piped water. Her major monthly expenses includes include rent, power and school fees.

Justine operates a beauty salon in a shop. She sells her products on a retail basis. She has been in this business for the last 15 years. She works seven days a week.

She has requested a loan of 800,000 Uganda shillings from MCDT – SACCO to buy braids, weaves, treatments, and oils.

Her major business challenges are transportation and seasonality. Her goals and aspirations are to own a bridal salon and also to buy a plot of land.

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
  • 150
    View loans »
    Uganda Loans Fundraising
  • $28,666,600
    Funds lent in using Kiva
  • 2,475.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Justine to buy more boxes of cream relaxers, braids, weaves and hair treatments.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Aug 7, 2012
Aug 17, 2012
Currency Exchange Loss:
Dec 18, 2012