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Ruth is married and has four children, three of whom go to school. She doesn’t take care of additional family members. For the past 4 years, Ruth has operated a business selling used clothes. She doesn’t have any other income-generating activity. Ruth works at the market six days every week and sells on a retail basis only. Her major business challenges include seasonality and the ever-increasing prices of used clothes in Uganda.

Ruth has applied for a loan of 400,000 Uganda shillings from MCDT SACCO to buy more bales of used clothes. She aspires to become a wholesaler, to educate her children up to university and to get enough profits to buy a plot of land to build rental rooms. Ruth resides in her own house and the family has no access to electricity and piped water. Ruth's monthly expenses include school fees and rent for her business at the market.

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
  • 106
    View loans »
    Uganda Loans Fundraising
  • $28,282,425
    Funds lent in using Kiva
  • 2,640.0
    Uganda Shillings (UGX) = $1 USD