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Berna is a 36-year old married woman with five children. She owns a four-room house that she lives in with five people. Her home has electricity but no piped water. Berna takes care of her children as well as additional family members. The family gets three meals a day. Berna works seven days a week.

Berna sells retail merchandise to about 30 customers a day. Her customers are from all walks of life. Berna buys her merchandise twice a week at Kampala city shops. Her major monthly expenses include rent for her business, plus medication. Berna lives and works in a semi-urban area, so she doesn’t incur extra transportation costs going to and from work. She wants to use this loan to buy more merchandise such as sugar, soap, salt, and other home-use products for resale.

Berna has been in this business for the last ten years. She has been with MCDT for five years. This is her tenth loan, working with the same people. Berna aspires to grow her business into a solid, permanent enterprise.

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
  • 118
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,053.0
    Uganda Shillings (UGX) = $1 USD