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Dorothy is 36 and is married with four children aged 10 and 19 years. All her children go to school. She resides in a rented four-room house where she is staying with six people. Dorothy takes care of additional family members. The family has access to electricity and no piped water and gets three meals a day. She incurs transport costs for buying local gin from Nakawa, one of the markets in Kampala city. Dorothy has a pub in Naguru and sells all types of goods like salt, sugar, flour and flour liquors. She works in a semi-urban area that is in the outskirts of Kampala. She works seven days a week.

She receives an average of 40 customers a day and sells to all categories of people, both retail and wholesale. Her greatest monthly expenses include feeding the family, school fees for her children, and monthly rent for her business and residence. Her major business challenges are seasonality and the rainy season, which hinders her from reaching her customers. She has been in this business for ten years and with Micro Credit for Development and Transformation (MCDT) for five years. She is now servicing her tenth loan, working with the same group mates. Dorothy joined MCDT because it was near her home and was working with poor women. She wants to use this loan to buy more jerry cans and boxes of sachets of alcohol and other drinks like umqombothi. She wants to see her business grow bigger and she would like to start selling only wholesale.

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
  • 116
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 1,863.5
    Uganda Shillings (UGX) = $1 USD