A Monte Carlo simulation was conducted to assess the performance of Multi-Carrier Code Division Multiple Access (MC-CDMA) in a sectored cell, in an indoor environment. In each sector, terminals schedule packet transmission using slottedp-persistent Inhibit Sense Multiple Access (ISMA), while the packets themselves are transmitted using MC-CDMA. The simulated bit error rate performance of MC-CDMA with combining strategies maximal ratio combining (MRC) and equal gain combining (EGC) used in the frequency domain are presented. A comparison is made between analytically determined bit error probability for a single user in an additive white Gaussian noise channel using binary phase shift keying (BPSK), and simulated bit error rate for a single user using MC-CDMA with MRC and EGC. The determination of the number of sectors in a cell is also given. MC-CDMA with diversity combining outperforms BPSK in a non-fading AWGN channel. Further, as the user-number increases, EGC performs better than MRC if these combining strategies are used with MC-CDMA. Finally, the results show the basis for determining the number of sectors in a cell. When using slottedp-persistent ISMA, it is envisaged that only a single user will transmit at a time in a sector.