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Mastula Ndagire 's Group
In this Group: Mastula, Barbrah, Mariam, Joyce, Victo
Mastula is a 48-year-old widow with seven children ranging in age from 15 to 36 years old. Three of her children go to school and the rest are working. Her elder brother helps her pay school fees for the younger children. She rents a one-room house in a semi-urban area on the outskirts of Kampala, where she lives with three people. The house has no electricity or piped water. The family gets three meals a day.

Mastula rents a stall in Kalerwe, one of the city suburbs, where she sells vegetables like avocadoes, tomatoes, and onions two days a week. She sells to an average of 30 people a day. Mastula's major expenses include rent for the home and the business premises, school fees, and medication She also incurs transportation costs getting to and from villages to collect her produce. She has been in this business for the last twenty years. One of Mastula's main challenges is the rainy season, when the village roads become impassable.

Mastula is the leader of a group of 5 members. She has been with MCDT for over six years and is servicing her eighteenth loan, working all six years with the same group mates. She wants to use this loan to increase her stock in her business. Mastula is aspiring to build rental rooms on the plot of land she bought using her previous loans.

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
  • 231
    View loans »
    Uganda Loans Fundraising
  • $31,013,475
    Funds lent in using Kiva
  • 1,640.0
    Uganda Shillings (UGX) = $1 USD