A loan of $1,100 helped buy more bags of sugar, cartons of salt, boxes of soap, small and big jerry cans of cooking oil, rice and loaves of bread.


Bernar's story

Bernar is married with five children, four of whom go to school. She also takes care of her mother. Bernar has been operating a retail shop for 20 years. She generates additional income from renting rooms. She works in the shop seven days a week and sells on a retail basis. Her major business challenges includes seasonality, defaulters and the ever increasing price of commodities like soap, sugar and cooking oil which reduces her overall profits. She has applied for a loan of 2,700,000 UGX from MCDT-SACCO to buy more bags of sugar, cartons of salt, boxes of soap, small and big jerry cans of cooking oil, rice and loaves of bread. Bernar aspires of becoming a wholesaler and also of building more rental houses. She decided to join MCDT-SACCO because of timely loans. She lives in the family house and the family has access to electricity and piped water. Her monthly expenses includes school fees and paying for utility bills.



Loan details


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Loan details