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Justine is single and has two children who attend school. She is also looking after two nieces. She lives in Kampala, Uganda. Justine has been selling charcoal in the market at retail for 10 years, working seven days a week. She earns additional income selling Irish potatoes.

Justine is requesting a loan from MCDT SACCO for 700,000 UGX, which she will use to purchase more bags of charcoal. Her challenges include unstable supplies. Her dream is to accumulate enough profits to enable her to become a wholesaler and acquire her own premises. Justine rents a house with no access to electricity or piped water. Her major 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
  • 213
    View loans »
    Uganda Loans Fundraising
  • $31,373,750
    Funds lent in using Kiva
  • 2,556.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Justine to purchase bags of charcoal.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
May 6, 2013
May 13, 2013
Currency Exchange Loss:
Nov 18, 2013