At Kitusacco, we believe in the power of groups. Groups provide social collateral, peer support, and collective accountability. Most of our lending is done through established groups, which has proven to be highly effective in ensuring repayment and building community wealth.
We work with different types of groups across Kabarole District:
Groups of smallholder farmers who pool their resources to access agricultural loans, bulk purchase inputs, and collectively market their produce.
Village Savings and Loan Association groups following the traditional VSLA methodology. These groups save together, lend to each other, and access additional capital from the SACCO.
Empowering women through collective savings, business skills training, and access to capital for income-generating activities.
Special groups for young entrepreneurs and agribusiness enthusiasts, offering youth-friendly loan products and mentorship.
Existing community groups such as burial societies, church groups, and parent-teacher associations that want to add savings and credit to their activities.
Groups of market vendors who save daily and access working capital loans for their trade businesses.
Some of the groups currently working with Kitusacco.
Mixed farming group focusing on coffee, bananas, and vegetables. They access seasonal agricultural loans and have a group savings account.
45 MembersWomen's savings and enterprise group engaged in poultry keeping, crafts, and food vending. They operate a table banking system.
30 MembersCommunity group combining savings with a group maize farming project. They have a revolving loan fund for members.
60 MembersYoung farmers engaged in commercial farming, beekeeping, and agribusiness. They benefit from youth-focused loan products.
50 MembersTraditional VSLA group that has grown their savings significantly and now accesses larger loans from the SACCO.
25 MembersDairy farmers group that saves together and accesses loans for livestock, zero-grazing units, and market linkage.
80 MembersYouth group focused on vegetable growing and piggery projects. They received startup loans and business training from the SACCO.
35 MembersA cooperative of farmers growing maize, beans, and cassava. They access group loans for farm inputs and have a collective marketing system.
70 MembersWomen entrepreneurs running small businesses including retail shops, restaurants, and tailoring. They receive business mentorship and loans.
40 MembersWhy groups are the foundation of our SACCO model.
Groups can access loans using social collateral — the group guarantees the loan collectively, eliminating the need for individual collateral.
Group loans attract lower interest rates compared to individual loans, making credit more affordable.
Groups can bulk-purchase inputs, negotiate better prices for produce, and access markets collectively.
Members learn from each other, share best practices, and provide mutual support during difficult times.
The SACCO provides tailored training to groups on financial management, governance, and business skills.
Groups that save consistently receive bonus interest and are eligible for special SACCO rewards programs.
Contact us to learn how you can start a new group or join an existing one in your area.
Get in Touch