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Norah Semugera’S Group
In this Group: Norah, Catherine, Victo, Angella
Norah is the leader of 4 members of a group. She is a 57-year-old widow with 8 children. They are aged between 40 and 23 years. Only one is in school and the rest are working.


She owns a five-room house in which she lives with 5 people, and she takes care of three grandchildren who are orphans. A religious group helps her to pay school dues. She is offering the family two meals a day while tea is rarely taken.


Norah resides and works in a semi-urban slum area, which is in the outskirts of Kampala. There is no piped water and electricity at her home. Norah works six days a week and runs a charcoal store at her home. Norah has been involved in this business for the last four years. She buys her merchandise from suppliers who collect it from villages and doesn’t incur any extra transport costs. She attends to an average of ten customers daily and sells to all categories of people.


Her main challenge is that when it rains she gets very few customers as they fear to reach out to her because her home is always flooded. Thieves at times break into her store and competition is also very high.

She has been with MCDT for the last two years and is servicing her fourth loan. Norah has been working with the same group members throughout this period. Her achievements include improved standards of living, ability to pay school fees, expanded business and others.

Additional Information

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.

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

  • $1,500
    Average annual income
  • 379
    View loans »
    Uganda Loans Fundraising
  • $30,354,325
    Funds lent in using Kiva
  • 1,604.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Norah Semugera’S Group's $1,100 loan helped a member to increase stock in her business.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Sep 1, 2008
Listed
Aug 18, 2008
Currency Exchange Loss:
Covered
Ended:
Apr 15, 2009