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Josephine is married with two children, who both go to school. She takes care of two additional family members.

Josephine has been in the business of selling second-hand clothes for three years. She works six days a week and sells on a retail basis.

She resides in her own house. The family has no access to electricity or piped water. Her monthly expenses include medication and school fees for the children.

Josephine has applied for a loan of 500,000 Uganda shillings from Micro Credit for Development and Transformation SACCO to buy a bale of second-hand clothes. She aspires to own a fully stocked stall of clothing and bags and to build a rental house.

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
  • 200
    View loans »
    Uganda Loans Fundraising
  • $32,028,325
    Funds lent in using Kiva
  • 2,593.0
    Uganda Shillings (UGX) = $1 USD