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Pamela Nabuuma’S Group
In this Group: Pamela, Cissy, Aidah, Fatina
Pamela N. lives in the Rubaga Division of Kampala. She is 32 years old, married, and has three children, ages 6, 4, and 2. For the past four years she has been selling charcoal, thanks to an initial loan from MCDT. She buys sacks of charcoal from villagers for 18,000/= (Ugandan shillings, about $10 US) and sells it in much smaller amounts, starting at 500/= (about 30 cents). Ultimately, she makes a profit of about 7,000/= per sack (about $4).

She rents a stand in Kibuye where she sells her charcoal. Sometimes it is difficult because people ask for charcoal on credit and don’t pay her back, or people try to con her or steal her things.

With a new loan, she would like to start another retail business selling items used daily in the home, such as salt, sugar, rice, and cooking oil. With this expanded inventory, she will be able to earn a regular income. Her ultimate goal is to construct a house in the Wakiso district.

Pamela has successfully paid back more than five 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
  • 253
    View loans »
    Uganda Loans Fundraising
  • $32,806,450
    Funds lent in using Kiva
  • 1,624.0
    Uganda Shillings (UGX) = $1 USD