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Beatrice Musisi‘S Group
In this Group: Beatrice, Teopista, Nulu, Ruth
Beatrice works five days a week and operates a salon. She buys her merchandise from Kampala city centre. She buys all types of goods from both retail and wholesale and uses public transport to transport her merchandise from Kampala to her salon/shop in Bwaise. She makes the trip twice a week. Her customers are women in her community and those on the move.

Her challenges include paying high taxes, high rental charges, and transport costs. Flooding is a problem during the rainy season as the area where she is operating is prone to floods, which destroys her merchandise. It was once a wetland. Another challenge is that of her business being seasonal. During periods when there is low demand for salons, she switches to selling cereals and legumes, mainly dried beans. She has been operating this business for the last 10 years and was inspired by the way women were moving long distances looking for salons. She has been able to improve her standards of living, provide her family with three meals daily. Her main inspiration is owning a permanent home to operate from and also seeing her business progressing.

Beatrice is the leader of a 4-member group. She is 28 years old and married with 2 children. They are 7 and 2 years old. The one aged seven years is in school. She rents a three-room house in which she lives with 5 people. There is no piped water and electricity. She resides and works in a semi-urban and slum area, which is in the outskirts of Kampala.

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
  • 191
    View loans »
    Uganda Loans Fundraising
  • $31,415,275
    Funds lent in using Kiva
  • 1,609.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Beatrice Musisi‘S Group's $950 loan helped a member to purchase more beans.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 17, 2008
Sep 3, 2008
Currency Exchange Loss:
Apr 15, 2009