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Sarah Kigozi's Group
In this Group: Sarah, Evelyn, Sumaya, Mariam, Nuru
Sarah is a leader of 5 members in a group, whose head is leaning in the photograph. She is 48 years old and is divorced with 5 children, who are 30, 28, 18, 16 and 12 years old. The youngest three are in school. She works and resides in a semi-urban slum area, which is prone to floods in the rainy season.

She buys charcoal from trucks belonging to traders, who collect it from the villages and sell in quantities ranging from whole sacks to small heaps. The sacks are piled in a semi-permanent shed that has no lockable door. She also provides outside catering service for occasions like weddings, baptisms, funerals, and any other event that attract crowds of people.

Her challenges include the risk of having the sacks stolen and the high price of charcoal. Her costs are even higher as her area is inaccessible to vehicles, and she has to hire someone to lift the charcoal sack by sack. Also, the floods limit movement in the rainy season.

She has been able to educate her children and cover the family's needs. Her plans include being able to go to the village to collect the charcoal, to buy home assets, and increase her stock. This will be Sarah's fourth loan.

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

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Uganda

  • $1,800
    Average annual income
  • 227
    View loans »
    Uganda Loans Fundraising
  • $32,773,725
    Funds lent in using Kiva
  • 1,650.0
    Uganda Shillings (UGX) = $1 USD

Success!! The loan was 100% repaid

A portion of Sarah Kigozi's Group's $1,050 loan helped a member to collect charcoal from the village, to buy home assets and increase her stock.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jun 6, 2008
May 13, 2008
Currency Exchange Loss:
Jan 17, 2009