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Joyce is married with three children and her children go to school. She rents a two- room house where she stays with five people. The family has access to electricity but no piped water. Joyce doesn’t take care of additional family members. Monthly expenses include medication, rent, school fees and feeding the family. Joyce owns a ladies salon in Kampala city and works on all types of hair whether plaiting, relaxing weaving etc and works at retail only. She works six days a week. Joyce receives at least five customers a day. Joyce has been in this business for three years and her business challenges include seasonality and defaulters. She has been with MCDT for a few years servicing her 12th loan. She wants to use this loan to increase her stock of weaves, relaxers and braids. She hopes to see her business grow bigger and own a bridal salon. She joined MCDT because she wanted her business to grow.

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
  • 83
    View loans »
    Uganda Loans Fundraising
  • $33,571,425
    Funds lent in using Kiva
  • 2,078.3
    Uganda Shillings (UGX) = $1 USD