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Zapha lives in Kampala, Uganda. She is single with two children, and both of her children go to school. She has additional family members (mother, sister, brother and father). She operates a retail shop that she rents. She also gets additional income from selling new clothes, jewelry and crafts. She has been in business for the last 7 years. She works seven days a week. She has requested a loan of 1,500,000 UGX from MCDT – SACCO to buy bags of sugar, cooking oil, soap, beans, wheat and crates of soda. Her major business challenges are transportation and seasonality. Her goals and aspirations are to buy a truck for transporting her stock to the shop, to own a wholesale shop, and to build her own business premises. She lives in her own house and the family has access to electricity and piped water. Her monthly expenses include school fees 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

  • $1,500
    Average annual income
  • 280
    View loans »
    Uganda Loans Fundraising
  • $29,599,275
    Funds lent in using Kiva
  • 2,609.9
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Zapha to buy more bags of sugar, cartons of salt, boxes of soap, wheat and crates of soda.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 12, 2012
Nov 16, 2012
Currency Exchange Loss:
Mar 15, 2013