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Phiona lives in Uganda. She is married and has five children, four of whom are in school. Phiona has a business selling second-hand clothes. She has been in this business for three years, and she works six days out of every week.

Phiona sells her products at the market, retail. She has requested a loan of 1,500,000 Ugandan Shillings from MCDT SACCO, which she will use to buy more bales of second-hand clothes. She also generates additional income through a small retail shop.

The main business challenges for Phiona include lack of enough capital to buy many bales and the ever increasing price of used clothes and also building rental rooms. Her goals and aspirations for her business are to start importing used clothes.

Phiona lives in a home that she owns; she has access to electricity and 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
  • 123
    View loans »
    Uganda Loans Fundraising
  • $33,608,925
    Funds lent in using Kiva
  • 2,595.0
    Uganda Shillings (UGX) = $1 USD