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Berna is married with five children. All of her children go to school. She doesn’t take care of additional family members. Berna resides in the family home, and the family has access to electricity and piped water. Her monthly expenses includes school fees and paying for utility bills.

Berna has a retail shop and has been in this business for 20 years. She has applied for a loan of 2,500,000 UGX from MCDT SACCO to buy more sugar, salt, soap, cooking oil, and soda. She works in the shop for seven days every week and sells on a retail basis. She generates additional income from rental houses.

Berna's major business challenges include seasonality and defaulters. She aspires to own a fully stocked retail shop and also aspires to own a wholesale shop. She decided to join MCDT SACCO since they don't charge transfer costs to send and receive money.

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
  • 204
    View loans »
    Uganda Loans Fundraising
  • $31,441,175
    Funds lent in using Kiva
  • 2,506.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Berna to buy more sugar, salt, soap, cooking oil, and soda to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 11, 2013
Dec 15, 2013
Currency Exchange Loss:
May 17, 2014