Any person who has paid membership and has paid for at least 1 share of Ushs 100,000, subject to laws governing the SACCO.

Fill in membership form, attach ID/Passport photo, pay Ugx 20,000 and buy at least one share of Ugx 100,000

Members are offered low interest loans, short loan processing periods, share on Sacco profits, among others

Winners’ Sacco was founded on the foundations of TRUST, ACCOUNTABILITY, CONFIDENTIALITY, INTEGRITY, TRANSPARENCY & COMMUNITY DEVELOPMENT.

Winners’ Sacco is legally registered with Ministry of Trade and Co-operatives Vide Reg. No. P.21408/RCS and all Sacco founders are well established traders with a clean public record.

Business loan, Emergency loan, School fees loan, Group development loan, Asset Acquisition loan.

Kindly note, the management assesses the loan repayment patterns and advise. time.

Kindly note, there are consequences and penalties for late repayments or failure to totally clear the loan in the specified time.

Yes, anytime during working hours

Account balances are accessed through our Passbook, account statement and Mobile App

Sms of loan application, approval/rejection and disbursement is sent on the telephone number you gave to the Sacco. Sms is followed by a call for the same.

Once you open an account with us, an sms with account details is sent to your phone number you submitted to the Sacco.

Need to have an account with Sacco

4% per month.

Within 24hours.

Land title, Car Logbook, Kibanja Agreement, Share Certificate for paid up members, Cash Collateral and other securities verified by management

Make all your payments via our Field Agents, mobile money payment or visit our office at BBC building suit 603/604.

Any amount of your choice

Loan processing fees on loan principal

Market the Sacco Be loyal to the Sacco and its objectives Participate and support Sacco activities among others

Yes, you have to sign Agent form, authorizing an agent to operate your account.

Yes, provided that you fulfil the requirements of the loan being applied for.

No need to worry, all records in the Passbook are captured by the Sacco system and your book and information shall be replaced at a cost of Ushs 5,000.

Yes, after a good assessment of the client

Interest ranges between 4% to 8%

Loan application is free of charge.

3 months for the first-time borrowers, subject to change on assessment of loan applicant.

Yes, though this depends on the loan amount requested

Yes, only if the borrower has a collateral for the loan applied for

Yes please.

The loan amount to lend depends on client needs and ability to pay.

Unfortunately, not. Kindly note, that our standard rate is 4% per month.