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Esther is a single mother of three children, one of whom goes to school. She takes care of additional family members (her cousin, sisters, and brother) too. She has a business selling second-hand clothes and has been in this business for 10 years. She generates additional income from rental rooms. She works six days a week at the market and sells to all categories of people, but on a retail basis only.

She has applied for a loan of 2000000 UGX from MCDT-SACCO to buy more bales of used clothes. Her major business challenges include seasonality and thieves. She is aspiring to become a wholesaler and to educate her children up to university. She resides at her own house and the family has access to electricity and piped water. Her monthly expenses include school fees, utility bills and food costs for her family.

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
  • 239
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    Uganda Loans Fundraising
  • $31,036,700
    Funds lent in using Kiva
  • 2,583.7
    Uganda Shillings (UGX) = $1 USD