Nafasi’s Current Product Offering
Explore our complete portfolio of member-focused financial solutions — featuring 4 structured savings schemes, 8 tailored credit facilities under the Loan Product Charter (2026), and 3 strategic investment platforms.
Structured Solutions for Every Milestone
Each service is governed by clear policies, competitive interest terms, and member-first convenience.
Structured Savings Products
Mandatory Savings (5% P.A.), Reserve Retirement Account (up to 8% P.A.), School Fees Savings (up to 8% P.A.), and Young Saver’s Account — with instant withdrawals upon request.
- ✓ Mandatory Monthly Savings (UGX 50,000/= @ 5% P.A.)
- ✓ Reserve Retirement & School Fees Accounts (Up to 8% P.A.)
- ✓ Young Saver’s Account for Children (UGX 20,000/=)
8 Tailored Credit Facilities
Flexible, affordable credit under the Loan Product Charter (2026): Development, Asset Acquisition, Business, Situka, School Fees, Emergency, Social Welfare, and Land Acquisition with preferential loyalty rates down to 10% flat / 15% reducing.
- ✓ Social Welfare & Emergency Quick Loans
- ✓ School Fees, Situka & Business Working Capital
- ✓ Development, Asset & Land Acquisition up to UGX 50M
Diversified Investment Platforms
Strategic investments across Real Estate (land acquisition for members), Unit Trusts (equities, bonds, money market), and Credit facilities, scaling to 10+ platforms by 2034.
- ✓ Titled Real Estate & Land Acquisition for Members
- ✓ Professional Unit Trusts (Equities, Bonds, Money Market)
- ✓ Scaling to 10+ Platforms & UGX 3B Net Worth by 2034
Social Welfare Support
Rapid financial assistance to meet members’ personal welfare obligations and family emergency needs while safeguarding other investment incomes.
- ✓ Rapid 24-Hour Disbursement via Mobile Money & Bank
- ✓ Affordable Low 1% p.m. Flat Interest Terms
- ✓ Emergency Liquidity Safeguarding Member Assets
Education & Capacity Building
Continuous capacity building, financial literacy workshops, and mentorship to empower members and strengthen cooperative capabilities.
- ✓ Cooperative Leadership & Governance Awareness
- ✓ Investment Education & Wealth-Building Masterclasses
- ✓ Peer-to-Peer Learning & Professional Mentorship
Business & Market Linkages
Connecting members to joint entrepreneurship opportunities, market-oriented investments in retail and real estate, and broader cooperative networks.
- ✓ Syndicated Business Loans & Working Capital
- ✓ Consumer & Retail Collective Purchasing Power
- ✓ Global NGO & Corporate Professional Network
Savings Products and Features
This section provides a simple summary of Nafasi’s current products. Detailed product descriptions can be found in the respective Nafasi policies.
| Savings Product | Savings Per Month | Interest Rate | Opening & Min Balance | Monthly Charges |
|---|---|---|---|---|
| Mandatory Savings Core monthly contribution for all active members | UGX 50,000/= | 5% P.A. | UGX 50,000/= | UGX 1,000 |
| Reserve Retirement Account Long-term nest egg securing dignified retirement | UGX 50,000/= | Up to 8% P.A. | UGX 100,000/= | 0 (Free) |
| School Fees Savings Termly educational planning for quality education | UGX 50,000/= | Up to 8% P.A. | UGX 100,000/= | 0 (Free) |
| Young Saver’s Account Financial foundation for children and youth under 18 | UGX 20,000/= | Competitive interest | UGX 20,000/= | 0 (Free) |
- Note 1: All savings withdrawals are instant upon request with one free withdrawal per quarter. The second withdrawal made will attract a charge of UGX 5,000, the third withdrawal 10,000/=, the fourth withdrawal 15,000/= and above that 30,000/= all this will be effective within a quarter.
- Note 2: A request for savings withdrawal will be on the specified form reviewed and approved by the manager and treasurer respectively.
- Note 3: Upon approval, the member will receive their savings through the desired channel either by bank, cheque, or mobile money.
List of Nafasi’s Loan Products and Features
Official credit facilities providing members with responsible and affordable access to credit across 8 tailored products under the updated Loan Product Charter and Credit Policy.
This Loan Product Charter sets out the credit products available to members of Nafasi Multipurpose Cooperative Society, together with their purpose, eligibility requirements, pricing, loan limits, repayment periods and product-specific conditions. The Charter is read together with the Nafasi Credit Policy to provide responsible and affordable access to credit while protecting the financial sustainability of the Cooperative.
Nafasi Development Loan
Personal & Household WellbeingThe Development Loan is intended to support members to undertake substantial personal and household development projects that improve their long-term wellbeing and financial security.
Active membership for at least 6 months, minimum 10 shares, good savings and credit history, guarantor support, and purpose documentation for substantial personal or household development projects.
Nafasi Asset Acquisition Loan
Wealth Building & Capital AssetsThe objective of this loan is to enable members to acquire assets that increase wealth and enable them to venture into larger investments. These assets may include, land, buildings, cars among others.
The asset being financed may be accepted as part or all of the security for the loan, provided that Nafasi’s security interest is properly documented and, where required, registered; standard membership, savings history & guarantor support.
Nafasi Business Loan
Commercial Working CapitalThe Business Loan is intended to provide members with accessible financing for short- and medium-term business needs.
Evidence that the business has operated for at least one year; a valid trading licence where applicable; bank or mobile-money statements where relevant; evidence of business income or cash flow; and any other information required during appraisal.
Nafasi Situka Loan
Enterprise Scale-Up & ElevationThe Situka Loan is intended to support members who already have an established incomegenerating activity and require financing to expand it.
Established and operating income-generating activity/enterprise; evidence of ongoing revenue and business operations; standard active membership & guarantor support.
Nafasi School Fees Loan
Quality Education & Tuition SupportThe School Fees Loan is intended to support members to meet education expenses for themselves, their children or recognised dependants.
School fees structure/invoice, circular or admission letter for member, children or recognised dependants; standard active membership & guarantor support.
Nafasi Emergency Loans
Immediate Relief & Crisis ProtectionThe Emergency Loan is intended to provide members with quick access to funds to meet genuine unforeseen expenses without unnecessarily disrupting their savings or other investments.
Evidence of genuine unforeseen emergency expenses (e.g. medical bills, crisis documentation); standard active membership & guarantor support.
Nafasi Social Welfare Loan
Family Welfare & Quick LiquidityThe Social Welfare Loan is intended to support members to meet small, short-term personal and family financial obligations.
Demonstration of personal and family welfare obligations; standard active membership & guarantor support.
Nafasi Land Acquisition Loan
Housing Needs & Land OwnershipThis product is designed particularly to meet the strategic objective of supporting Nafasi members to meet their housing needs.
Member contributes at least 20% of the purchase price; Nafasi finances approved balance; land accepted as security with interest documented; disbursement direct to seller; member covers official searches, valuation, surveying, boundary opening, and transfer fees.
Consistent savings of ≥ UGX 50,000/mo for 12 consecutive months earns 1% p.a. discount. Holding ≥ 100 shares (UGX 5,000,000) earns 2% p.a. discount. Cumulative: borrow at as low as 15% reducing balance and 10% flat rate per annum!
Applicants must have been members for at least 6 months, hold at least 10 shares, demonstrate a good savings history and satisfactory credit track record, and provide sufficient guarantor support.
Members may ordinarily borrow up to 3x their eligible portfolio without additional collateral, and up to 5x their eligible portfolio with acceptable additional security (subject to appraisal and repayment capacity).
Loan Application Fee: UGX 20,000 | Loan Processing Fee: 2% of approved loan amount | Loan Insurance: 1% of approved loan amount (where applicable). Transaction & disbursement charges borne by the client.
Approved by the Nafasi Executive Committee · Loan Product Charter, 2026
Other Nafasi Investment Platforms
Committed to enhancing the financial prosperity of its members, Nafasi Multipurpose Cooperative is on a relentless quest to explore new investment platforms. Presently, Nafasi has strategically diversified into three key investment avenues:
Real Estate Ventures
In the realm of real estate, Nafasi has leveraged opportunities to acquire land for its members, ensuring both capital appreciation and interest paid by members who acquire the properties. This sector offers stability and long-term growth potential, aligning with the cooperative's objectives of sustainable wealth creation.
Unit Trust Portfolios
Unit trusts represent another avenue through which Nafasi has channelled investments. By pooling resources with other investors, members benefit from diversified portfolios managed by professionals. This avenue not only mitigates risk but also provides access to diverse asset classes, including equities, bonds, and money market instruments.
Credit Facilities
Moreover, Nafasi's foray into credit facilities has empowered members by providing access to affordable financing options. Through prudent lending practices, the cooperative fosters entrepreneurship and economic empowerment within its membership, thereby contributing to local development and resilience.
Strategic Investment Outlook (2024–2034)
Looking ahead, Nafasi's Investments Committee remains vigilant, continuously scanning the financial landscape for emerging opportunities. Over the next decade, this committee will evaluate various investment options to scale to at least 10 platforms and achieve a net worth of UGX 3 Billion by 2034. Proposals for new ventures are presented to the General Assembly, ensuring transparency and collective decision-making.
Calculate Your Member Credit Repayment
Estimate monthly payments and loan terms across Nafasi’s 8 official credit products under the Loan Product Charter (2026) with tenures up to 24 months.
Three Steps to Access Nafasi Services
Becoming a full beneficiary of our cooperative products is streamlined, transparent, and fully accessible online.
Register & Acquire Share Capital
Submit your membership application with the one-time registration fee (UGX 60,000/=), annual subscription (UGX 30,000/=), and purchase shares @ UGX 50,000/= per share.
Save Consistently & Qualify
Deposit monthly savings (≥ UGX 50,000/=). Consistent saving builds your credit limit and earns attractive compound interest under the 10-Year Plan.
Borrow & Co-Invest
Access quick credit across our 8 official loan products, participate in commercial investment platforms, and receive annual audited dividends.
Ready to Access These Member Benefits?
Join Nafasi Multipurpose Cooperative Society today and take full advantage of our financial products.