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Jovans is married, with six children. Only five of her children go to school. She doesn’t take care of additional family members.

She has a business of selling charcoal and has been in this business for ten years, selling to all types of people, but on retail basis. She generates additional income through selling banana clusters and tomatoes. She works at the market seven days out of very week.

Jovans has applied for a loan of UGX 400,000 (Uganda shillings) from Micro Credit for Development and Transformation SACCO (MCDT-SACCO) to buy more bags of charcoal. Her major business challenges include thieves and seasonality.

Jovans is aspiring to become a wholesaler and also to build her own house. She resides in a rented house and the family has access to electricity, but no piped water. Her monthly expenses include school fees and rent.

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
  • 193
    View loans »
    Uganda Loans Fundraising
  • $31,346,400
    Funds lent in using Kiva
  • 2,675.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $150 helped Jovans to buy more bags of charcoal for sale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 28, 2013
Jan 29, 2013
Currency Exchange Loss:
Jun 17, 2013