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Specioza Nambooze's Group
In this Group: Specioza, Cissy, Immaculate, Rose, Mariam
Specioza is the leader of 5 group members. She is 50 and married with 4 children. Their ages are 26, 17, 15, and 13. The last 3 are in school. The community she works and lives in is semi urban and a slum within an area that is prone to flooding in the rainy season.

She buys rolls of material, which she takes for designing to tailors at a fee for onward selling. There are stalls for charcoal, vegetables, and bananas for food, which she collects from the rural areas and sells retail and wholesale.

Her main challenges are the seasonality of the agricultural produce, high taxation and transport costs, and the floods in the rainy season. The stalls become inaccessible during the rains, and at the same time it becomes difficult for her to move around in order to sell the clothes. There is a ready market for the other merchandise.

She is able to pay rent and school dues and contribute towards fending for the family. She was also able to buy a piece of land.

Her plan is to build a house.
Specioza has paid back more than 10 loans.

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
  • 150
    View loans »
    Uganda Loans Fundraising
  • $31,988,475
    Funds lent in using Kiva
  • 1,680.0
    Uganda Shillings (UGX) = $1 USD