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Gladys Nagadya’S Group
In this Group: Gladys , Betty, Hadjah, Hajarah , Hasfa
Gladys is a leader of 5 members of a group. She is 21 and married with 3 children aged between 2 and 7 years. Two of her children go to school. Gladys takes care of her parents and two orphans. She owns a three-room house where she is staying with five people. They have electricity but no piped water at home. The family gets two meals a day and rarely take tea.

Gladys works in a semi-urban area which is in the outskirts of Kampala, dealing in second-hand clothes. She uses public transport to and from work. Gladys buys theses clothes from Owino market, one of the busiest markets in Kampala city. She sells to an average of 20 customers a day and to all categories of people, mainly women. Gladys has been in this business for five years, working six days a week.

She is faced with a challenge of high transport costs from home to work, and the rainy season, which makes movement impossible because she lives in a place that floods. She has been with MCDT for four years, working all this time with the same group-mates. She wants to use this very loan to buy more bales of clothes. Gladys aspires to sell new clothes in the future.

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
  • 119
    View loans »
    Uganda Loans Fundraising
  • $33,852,025
    Funds lent in using Kiva
  • 2,000.1
    Uganda Shillings (UGX) = $1 USD