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Harriet Nakalema ‘S Group
In this Group: Harriet, Josephine
Harriet is a 32 year married with four children aged between 21/2 and 16 years. Three of her children go to school. Harriet resides and owns a four roomed house where she staying with eight people. There is electricity and piped water at home. Harriet takes care of additional family members The family gets three meals a day. She resides and works in semi urban area which in the outskirts of Kampala and works seven days a week. She receives 82 customers a day. Harriet sells second hand clothes in Bwaise Market. She incurs extra transport costs to and from shopping. work. The major challenges she faces in her business are monthly market dues, medication, thieves, feeding the family and increasing prices of clothes. Besides this clothing business she also sells fruits. Harriet has been in this business for 4 years and with MCDT for five years servicing her tenth loan working with the same group mates. She wants to use this loan to buy more bales of clothes Harriet is aspiring of seeing her business grow bigger and owning a permant business structure.

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
  • 121
    View loans »
    Uganda Loans Fundraising
  • $33,831,250
    Funds lent in using Kiva
  • 1,914.2
    Uganda Shillings (UGX) = $1 USD