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Norah is a 60 year old widow with eight children. Four of her children go to school. Norah also takes care of additional family members. She owns and lives in a four-room house with six people. The family has access to electricity and piped water and gets three meals a day.

Norah sells charcoal from her store in Naguru. She buys the charcoal locally so she doesn’t incur transportation costs. She works in a semi-urban area on the outskirts of Kampala She works seven days a week .She receives an average of 50 customers a day and sells both wholesale and retail to all types of people.

Her most significant monthly expenses are food for her family and school fees for her children. Her major business challenges is the rainy season which make it difficult for customers to reach her because she works in a muddy place.

She has been in this business for twenty years and a member of MCDT for eight years. She is now borrowing her nineteenth loan. Norah joined MCDT because it was near her home and was working with poor women. She wants to use this loan to buy more sacks of charcoal. She wants to see her business grower bigger and she wants to sell only in wholesale quantities.

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
  • 256
    View loans »
    Uganda Loans Fundraising
  • $32,806,450
    Funds lent in using Kiva
  • 1,935.0
    Uganda Shillings (UGX) = $1 USD