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Zaituni Nagawa’S Group
In this Group: Zaituni, Madgalene, Phina, Edith
N. Zaituni is a widow, age 40, with four children ranging in age from 20 to 14 years old, all of them in school. she is the first one from the left in the photo. She lives in Rubaga, a neighborhood in Kampala. Her business is selling charcoal, which she has been doing for the past 18 years.

Every two weeks, she buys 20 sacks of charcoal from motorcars and then sells it from her house. Each sack costs 20,000/= (Ugandan shillings, approximately $12 US). Charcoal is sold in smaller parcels to individual buyers from the village, with a typical profit of 5,000/= per sack (about $3).

With a loan, she would like to be able to buy more than 20 sacks at a time. She would also like to have a more permanent workplace. The loan will help with all of this, also making it easier for her to pay school fees for her children. Her future goal, though, is to build houses to rent. Additional profit from her charcoal business will eventually help her reach her goal.
She has successfully serviced more than 4 loans.

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
  • 117
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 1,655.0
    Uganda Shillings (UGX) = $1 USD