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Margaret Nakawoojwa‘S Group
In this Group: Margaret, Maureen , Margaret, Beatrice, Monica
Margaret is the leader of four members of a group. She is 47 years old and widowed with five children aged between 18 and 26 years. All her children go to school. She resides in and rents a one-roomed house where she is staying with seven people. Margaret takes care of additional family members. There is electricity but no piped water at her home. The family gets three meals a day.

Margaret resides and works in a semi-urban area which is in the outskirts of Kampala. Margaret sells secondhand clothes in Kalerwe Market, in one of Kampala’s suburbs. She sells to an average of ten people a day and sells to all categories of people. She works six days a week.

Margaret buys clothes from Owino Market, one of busiest markets in Uganda and uses public transport to and from shopping. Her major monthly expenses include rent for both the business premises and residence, school fees and medication. She has been in this business for the last fifteen years. Prior to her clothing business she sold chips (french fries) in the evening. Her main challenges are the rainy season, which stops her customers from coming to her, and defaulters.

Margaret has been with MCDT for over six years and is servicing her twelfth loan, working all this time with the same group members. She wants to use this loan to buy more bales of clothes and a bag of Irish potatoes for chips. Margaret is aspiring to seeing her business grow bigger and owning permanent premises.

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
  • 201
    View loans »
    Uganda Loans Fundraising
  • $32,741,350
    Funds lent in using Kiva
  • 2,245.5
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Margaret Nakawoojwa‘S Group's $550 loan helped a member to buy more bales of clothes and a sack of Irish potatoes for chips.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 14, 2009
May 26, 2009
Currency Exchange Loss:
Oct 15, 2009