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Justine lives in Kampala, Uganda. She is a widow, with 2 children; one goes to school. She also looks after her mother.

She has been running her shop for 1 year, but she has 10 years of experience. She sells her goods on a retail and on a wholesale basis, and she works 7 days a week. She does some farming as well.

She applied for a loan of Uganda Shs. 2,000,000 from MCDT-SACCO . She wanted to use the loan to buy more sugar, soap, and rice for her business. The challenges in her business include seasonality and the ever increasing prices of commodities in Uganda.

Her goals and aspirations are to buy a piece of land, and build a house for renting. She would also like to own a fully-stocked wholesale shop.

She says she decided to work with MCDT because with MCDT, loans are prompt once one is a good member.

Justine owns the house she stays in. She has access to electricity, but no access to piped water. Her greatest monthly expenses are rent for her business premises, paying the utility bills, and food.

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
  • 194
    View loans »
    Uganda Loans Fundraising
  • $31,415,275
    Funds lent in using Kiva
  • 2,583.7
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Justine to buy more sugar, soap, and rice for her retail shop.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 1, 2012
Nov 12, 2012
Currency Exchange Loss:
Apr 17, 2013