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Joyce lives in Kampala, Uganda. She is married with one child who is not attending school. She also looks after her parents.

She has been operating a retail shop selling basic commodities for ten years, working seven days a week, except when she is sick. She does not have any other source of income.

She has requested a loan of 300,000 UGX from MCDT- SACCO to enable her stock more flour, cooking oil, thread, needles, sugar, rice, and stationery to sell. Her challenges include seasonality. Her dream is to own a big stationery shop together with other necessary retail services. She joined MCDT because she wanted to improve her standard of living. She stays in a rented house with her husband; it has access to electricity but not piped water. Her major monthly expenses include rent, transport, electricity and water.

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
  • 82
    View loans »
    Uganda Loans Fundraising
  • $33,534,000
    Funds lent in using Kiva
  • 2,690.0
    Uganda Shillings (UGX) = $1 USD