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Regina Bayiyana's Group
In this Group: Regina, Saidati, Fiona, Olivia, Margaret
Regina Bayiyama is the leader of a group of five women. She is 55 and widowed with five children. Her youngest child is in school while the eldest four are married and working. Regina lives in a semi-urban slum on the outskirts of Kampala that is prone to flooding during the rainy season.

Regina has been sewing and selling charcoal for the last 10 years. She travels to the village to get her supply of charcoal and then sells it to families in small quantities. The greatest challenges Regina faces are thieves, floods and competition.

Regina plans on using this loan to purchase more charcoal. Since she began working with MCDT, Regina has been able to purchase lorries of charcoal rather than just sacks. This increase in stock has allowed Regina to garner more profits. She has used this increased revenue to pay her children's school fees, to expand into selling roasted chickens and to purchase a house.

Regina hopes to continue diversifying her businesses by one day expanding into selling dried fish.

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

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Uganda

  • $1,800
    Average annual income
  • 137
    View loans »
    Uganda Loans Fundraising
  • $31,940,600
    Funds lent in using Kiva
  • 1,613.0
    Uganda Shillings (UGX) = $1 USD