4 Member Savings Plans
Disciplined savings: Mandatory (5% p.a.), Reserve Retirement & School Fees (up to 8% p.a.), and Young Saver's accounts building member wealth.
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Empowering Community
Tailored Solutions for Every Stage of Growth
Whether you are looking to build personal savings and access low-interest credit, or invest in large collective ventures — Nafasi is your trusted partner.
For Individuals & Families
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Personal Savings, Credit & Social Security
Secure your household with disciplined monthly savings, instant emergency welfare support, affordable education loans, and life/health coverage.
- Competitive interest on monthly savings accounts
- Emergency welfare fund for medical & family assistance
- Low-interest school fees & emergency credit facilities
- Free financial literacy & budgeting mentorship
For Investors & Group Enterprises
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Pooled Capital & High-Yield Ventures
Leverage collective bargaining and pooled capital to invest in commercial real estate, agribusiness, supply chains, and structured dividend-yielding ventures.
- Co-ownership of vetted commercial assets & real estate
- Annual dividend distribution from audited portfolio returns
- Democratic voting rights on all major capital allocations
- Transparent reporting adhering to IFRS & regulatory standards
500+
Target Membership
10-Year Target (60% youth composition)
10+
Years of Resilience
Unbroken service since April 2014
1B+
Share Capital Target (UGX)
Mobilising member equity for investments
2B+
Savings Portfolio Target (UGX)
Growing member savings and security
What We Offer
Member Services & Benefits
Everything we do is designed around the financial wellbeing of our members — from savings and credit to collective investments and social protection.
Become a Member8 Flexible Credit Facilities
Affordable loans: Social Welfare, Emergency, School Fees, Situka, Business, Development, Asset, and Land Acquisition (up to 50M).
Learn moreCollective Investments
Asset co-ownership across 3 active avenues: Real Estate Land Acquisition, Professional Balanced Unit Trusts, and Member Credit Facilities.
Learn moreSocial Welfare & Emergency
Rapid emergency relief disbursed within 24 hours at 1% p.m. to protect members and their families during unexpected life hardships.
Learn moreFinancial Literacy & Mentorship
Capacity building, business mentorship, and market linkages to empower youth, CSOs, and entrepreneurs across Uganda.
Learn more1 Member, 1 Vote Democracy
Equal democratic franchise exercised in person at the Annual General Assembly under MTIC CAP 112 and Cooperative Regulations 1992.
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Cooperative Portfolio
Active Ventures & Pooled Projects
Every shilling pooled by members is deployed into vetted, profitable projects with clear governance and transparent annual returns.
View Audit Reports & Bylaws
Property & Infrastructure
Commercial Real Estate Acquisition
Strategic land and commercial property acquisition in high-growth suburban corridors for sustained capital appreciation.
Portfolio Size
UGX 1.2B
Est. Return
14.5% p.a.
Capital Allocation
85%
Agriculture & Processing
Sustainable Agribusiness Value Chain
Collective bulk grain handling and agro-processing plant, generating consistent seasonal cash flows for member accounts.
Portfolio Size
UGX 650M
Est. Return
18.2% p.a.
Capital Allocation
100%
Financial Inclusion
Member Micro-Credit & Revolving Fund
Dedicated liquidity facility supporting member enterprises with low-interest working capital and flexible repayment schedules.
Portfolio Size
UGX 500M
Est. Return
11.0% p.a.
Capital Allocation
70%
Simple 4-Step Process
How Your Membership Builds Lasting Wealth
From your first registration to annual dividend payouts, our transparent cooperative structure ensures everyone benefits equally.
01
Step 1: Onboarding
Register & Acquire Shares
Fill the membership form, pay the one-time registration fee (UGX 60,000/=), annual subscription (UGX 30,000/=), and buy your share capital @ UGX 50,000/= per share.
02
Step 2: Accumulation
Disciplined Monthly Savings
Contribute monthly to your personal savings account with competitive interest, building individual and collective capital stability.
03
Step 3: Empowerment
Access Credit & Social Protection
Unlock immediate access to low-interest loans for emergencies, business, or education, alongside family medical and social welfare cover.
04
Step 4: Prosperity
Share in Annual Dividends
Participate in the Annual General Meeting, vote on cooperative policy, and receive your proportional share of annual business profits.
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Ready to join our growing cooperative community?
Download the official membership application packet or apply online in 5 minutes.
Member Stories
Real Social Capital. Real Impact.
Hear from our community of over 500 members who pool resources, build assets, and protect their families through cooperative solidarity.
Education & Welfare Beneficiary
“Joining Nafasi in 2016 completely transformed my family’s financial stability. When my child needed tuition assistance, the credit facility was approved in 48 hours without the harsh requirements of traditional banks.”
Commercial Venture Shareholder
“The transparency at every AGM is unmatched. We see exact financial audits and vote on every commercial asset acquisition. Our dividend returns have consistently beaten commercial fixed deposits every year.”
Savings Scheme Member
“Beyond just financial savings, Nafasi gave me genuine social capital. The collective community spirit, welfare fund protection, and financial workshops give us peace of mind for the future.”
Stay Informed
News & Announcements
Stay up to date with the latest news, notices, AGM announcements, and investment updates from Nafasi Cooperative.
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Nafasi Cooperative Declares 14.5% Annual Dividend at 10th AGM
Members unanimously approved the audited annual accounts, celebrating a landmark decade of consistent dividend distributions and liquid reserve growth.
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Mubende Agro-Processing Grain Hub Completes Commissioning
The new 1,000-metric-ton grain storage and processing facility is now operational, reducing post-harvest losses and expanding member profits.
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Financial Literacy Masterclass: Real Estate & Property Syndication
Join our interactive hybrid workshop exploring titled land due diligence, suburban estate equity, and risk-mitigated housing investments.
Accreditation & Trust
Regulated & Affiliated With
Fully registered under the Cooperative Societies Act, maintaining highest compliance and governance standards.