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Joyce is widowed with five children. Three of her children go to school. She also takes care of additional family (her sister and brother). She has a restaurant business and has been in this business for 10 years, selling to all categories of people on retail and is able to work from home.

Joyce has applied for a loan of 500,000 Ugandan shillings from MCDTSACCO to buy more bunches of bananas, cassava, beef, sweet and Irish potatoes and cooking oil. In addition to the restaurant business, she is also a peasant farmer. She works from her home seven days a week.

Her major business challenge includes seasonality and ever-increasing prices of commodities in Uganda. She aspires to become a wholesaler and also to build rental rooms. She resides in her own house and the family has no access to electricity and piped water. Her monthly expense includes school fees and feeding the family.

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
  • 237
    View loans »
    Uganda Loans Fundraising
  • $32,789,100
    Funds lent in using Kiva
  • 2,640.0
    Uganda Shillings (UGX) = $1 USD