Justine is widowed with two children. One of her children goes to school. Justine also takes care of additional family members (old mother).
She has a business of a retail shop and has been in this business for ten years. She has applied for a loan of UGX 2,800,000 (Uganda shillings) from Micro Credit for Development and Transformation SACCO (MCDT SACCO) to buy more bags of sugar, boxes of soap, bags of rice, blue band, wheat flour, and maize flour.
Justine generates additional income through farming. She works in a shop and sells both retail and wholesale, seven days out of every week. Her major business challenges include seasonality and ever-increasing prices of commodities in Uganda.
Justine aspires to own a big supermarket and also to build rental rooms. She resides in her own house and the family has access to electricity, but no piped water. Her monthly expenses include rent for her business premises and school fees for her child.
About MCDT SACCO
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 http://www.kiva.org/partners/112, and join our lending team, Friends of MCDT SACCO, at http://www.kiva.org/team/friends_of_mcdt_sacco.