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Phina is married with three children and all her children go to school. She doesn’t take care of additional family members. She has a business selling charcoal and has been in this business for eight years. She has applied for a loan of 2,500,000 Uganda shillings from MCDT SACCO to buy more bags of charcoal. She works in her shop seven days out of every week and sells to all categories of people, but on a retail basis. Her major business challenges include seasonality and thieves. She aspires to become a wholesaler and also to build her own house. She resides in a rented house and the family has access to electricity and piped water. Her monthly expenses include rent, feeding the family and school fees.

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
  • 192
    View loans »
    Uganda Loans Fundraising
  • $31,415,275
    Funds lent in using Kiva
  • 2,590.1
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Phina to buy more bags of charcoal.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 21, 2013
Aug 29, 2013
Currency Exchange Loss:
Mar 17, 2014