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Annette is a 40-year-old married mother of six children between the ages of 6 and 15. All her children go to school. She resides in and owns a two-roomed house, where she is staying with seven people. Annette takes care of additional family members. The family has access to electricity and piped water and gets three meals a day. She doesn’t incur transport costs because she buys from her place of work. She works in a semi-urban area in the outskirts of Kampala. She works seven days a week. She receives an average of 20 customers a day and sells to all categories of people on a retail and wholesale basis.

Her greatest monthly expenses include feeding the family and school fees for her children. Her major business challenges are transportation and the rainy season, which hinders her customers' ability to reach her, as she works from a muddy place. Annette has been in this business for 15 years and with MCDT for six years, servicing her 10th loan and working with the same group mates. Annette joined MCDT, a Kiva partner, because it was near her home and was working with poor women.

She wants to use this loan to buy more crates of beer and jerrycans of alcohol. She is aspiring to see her business grow bigger and to start selling on a wholesale basis only.

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
  • 119
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 1,960.0
    Uganda Shillings (UGX) = $1 USD