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Hajara Namugenyi's Group
In this Group: Hajara, Gladys, Betty, Hadija, Hasfa
Hajara, age 48, is the leader of this 5-person group. Hajara is married with 5 children. Their ages range from 13 to 6. All of them are in school.

She is servicing a loan for 800,000 shillings. She buys goats and sheep from villages for sale to butchers. The challenges she faces are the long distances she has to travel to the villages; the high transport costs; that sometimes the animals die on the way; that quarantines due to breakouts of animal diseases cause increases in prices; fatigue; and staying away from home for 3 or 4 days in a week.

Her benefits include being able to take her children to school and providing for her family. She plans to start buying cows for her business and for keeping at home. She also plans to build a house to move from the wetland. Hajara has paid back over 10 loans successfully to MCDT in the past.

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

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Uganda

  • $1,800
    Average annual income
  • 224
    View loans »
    Uganda Loans Fundraising
  • $32,044,650
    Funds lent in using Kiva
  • 1,680.0
    Uganda Shillings (UGX) = $1 USD