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Zaituni is a married woman with four children. All of her children attend school. She does not have to care for additional family members. She and her family reside in a house, where the family has access to electricity and piped water. Her monthly expenses include school fees and utility bills.

To earn a living, she operates a restaurant. She has been in the restaurant business for ten years. She serves food to all types of people for retail prices. She generates additional income by selling charcoal. She explains that she works from home seven days out of every week. Her major business challenges are seasonality, the ever-increasing prices of food in Uganda, and customers who default on their required payments.

She has applied for a loan in the amount of 1,700,000 UGX from MCDT-SACCO to buy more food, including bunches of green bananas, beef, sweet and Irish potatoes, ground nuts, fish, chicken, rice and cassava. She dreams of owning a fully-stocked restaurant and buying a plot of land. She decided to join MCDT because of the low interest rates applied to their loans.

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
  • 240
    View loans »
    Uganda Loans Fundraising
  • $31,040,150
    Funds lent in using Kiva
  • 2,574.9
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Zaituni to expand and improve her restaurant business by purchasing additional foods (e.g., bananas, beef, sweet and Irish potatoes, ground nuts, cassava, rice, and chicken).
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 18, 2013
Apr 24, 2013
Currency Exchange Loss:
Sep 17, 2013