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Justine K. lives in the Lubaga neighborhood in the city of Kampala, Uganda. She is married and has five children, four of whom are in school. She also takes care of additional family members (her sister’s children). Justine has a retail shop. She has been in this business for six years, and she works 7 days every week. Justine sells her products in a shop at retail. Justine has requested a loan of 500,000/-Ugandan Shillings from MCDT SACCO, which she will use to buy more bags of sugar, cartons of salt, boxes of soap, and bans of bread. She also generates additional income through her nursery school and selling passion juice. The main business challenges for Justine include seasonality and defaulters. Her goals and aspirations for her business are to become a wholesaler. Justine lives in a home that she owns with access to electricity but not piped water. Her major monthly expenses include school fees and feeding the family.

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
  • 126
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,282.5
    Uganda Shillings (UGX) = $1 USD