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Margaret is a 45-year-old married woman with five children aged between 7 and 17 years. All of her children go to school. She owns and lives in a four-room house with seven other people. Margaret takes care of three additional family members/ There is electricity and piped water at her home. The family gets two meals a day. She lives and works in a semi-urban area.

Margaret owns a restaurant. She also sells charcoal in one of Kampala's suburbs. She doesn’t incur any extra transportation cost, because she buys from her place of work. Margaret sells to an average of 20 people a day and sells to all categories of people. She works seven days a week. Her major monthly expense is school fees. She has been in this business for eight years.

Margaret has been with MCDT for nine years and is servicing her twentieth loan with the same group-mates. She wants to use this loan to buy more sacks of charcoal. Margaret hopes to see her business grow bigger and she wants to own commercial houses in the available space.


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
  • 134
    View loans »
    Uganda Loans Fundraising
  • $33,804,000
    Funds lent in using Kiva
  • 2,050.0
    Uganda Shillings (UGX) = $1 USD