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Ruth is married with five children, one who is attending school. She also takes care of grandchildren and elderly parents. She has a business selling charcoal and has been in this business for ten years. In addition to this, she also generates additional income from renting rooms.

She has applied for a loan of 2,000,000 Uganda shillings from MCDT-SACCO to buy more bags of charcoal. She works seven days a week from home and sells wholesale to all categories of people. Her major business challenges include seasonality and thieves due to her location in the slums. She aspires to build more rental rooms and to buy a delivery van to aid transportation. She lives in a rented house and the family has access to electricity but not piped water. Her monthly expenses include school fees and utility bills.

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
  • 131
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,699.9
    Uganda Shillings (UGX) = $1 USD