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Jennifer Kemigisha`s Group
In this Group: Jennifer, Robinah, Nulu, Esther, Safina
Jennifer is the leader of the group of five members who have stayed together since they joined MCDT. They are repaying their fourth loan. She is 30 years of age and a widow who has just lost her husband through an accident. He left her with 2 biological children 8 and 4 years old, and his own 16-year-old daughter. She left school due to pregnancy. Both of her children attend in school. Jennifer never had any loans until she joined MCDT. The community she lives in is urban within a slum in a low-lying area.

Jennifer has a retail shop and sells essential items and cold drinks. She acquired a refrigerator and a television set to attract more clients. She has many customers.

The main challenge is the flooded surroundings during the rainy season. The benefits of having her retail shop include being able to take her children to school, increased working capital, and providing for her family.

With a loan, Jennifer plans to acquire a public pay telephone. Her daughter will operate the phone, and this will increase their income. She also plans to build a house on the plot of land that her late husband left.

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
  • 255
    View loans »
    Uganda Loans Fundraising
  • $32,806,450
    Funds lent in using Kiva
  • 1,624.0
    Uganda Shillings (UGX) = $1 USD