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Berna is widowed with five children. Two of her children died and the rest are in school. She also takes care of her late brother’s son.

She owns a shop in Kamwokya where she sells children's clothes, both new and old. She has been in this business for five years.

Berna wants to use this loan to buy more bales of secondhand and new baby’s clothes. She works seven days a week. Her business challenges are seasonality and defaulters.

She would like to be able to build rental rooms in the available space, and also to see her business grow bigger. She would like to import the clothes directly. She joined MCDT because of the low interest rate charged.

She owns and resides in a three-room house and the family has access to electricity and piped water. Her monthly expenses include food, school fees and utility bills.

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
  • 128
    View loans »
    Uganda Loans Fundraising
  • $33,817,625
    Funds lent in using Kiva
  • 2,253.5
    Uganda Shillings (UGX) = $1 USD