About us
Founded, owned and governed by graduates.
Our founding story
Built by graduates who chose to build together
Every year Uganda’s universities and colleges produce tens of thousands of graduates, and too many spend years searching for jobs that do not exist. UG-SACCO turns that around: graduates pool their savings, gain affordable credit and reach Government programmes through one channel, so they become producers, employers and investors. Graduates as Producers, Not Job Seekers.
Status: Registration in progress. Founder profiles: To be supplied by the SACCO
Our values
Vision, mission and values
- Vision
- A prosperous Uganda in which every graduate is a productive wealth creator contributing to the attainment of Uganda Vision 2040.
- Mission
- To mobilise savings, provide affordable credit and serve as the single channel for Government programmes for graduates, in order to transform graduates into producers, employers and investors in the priority sectors of the national economy.
- Goal
- To create 100,000 decent jobs, support at least 40,000 graduate-led enterprises and mobilise UGX 150 billion in capital for productive investment by the fifth year of operation.
- 01
Integrity
Honesty, transparency and ethical conduct in all dealings. Zero tolerance for fraud.
- 02
Productivity
Using resources to create real goods and services, with every enterprise tracked for output and jobs.
- 03
Innovation
Applying knowledge, technology and creativity, from digital systems to improved production.
- 04
Accountability
Taking responsibility and reporting results through quarterly public reports and independent audits.
- 05
Inclusiveness
Equal opportunity for all graduates, deliberately reaching women, persons with disabilities and lagging regions.
- 06
Excellence
High standards of service and professionalism, backed by a published service charter.
- 07
Patriotism
Love for and commitment to Uganda, prioritising Ugandan value addition and Buy Uganda Build Uganda.
- Our mottoGraduates as Producers, Not Job Seekers
Why it matters
A generation ready to produce, waiting for capital
Uganda is young, and many of its graduates cannot find work while commercial credit costs too much for a first enterprise. UG-SACCO exists to close that gap.
- Ugandans counted in the 2024 Census (NPHC 2024)
- 45.9 million
- of youth aged 18 to 30 not in employment, education or training (NPHC 2024)
- 50.9%
- graduate unemployment (UBOS)
- 15.2%
- typical commercial bank lending rates (Bank of Uganda, FY2024/25 to 2025)
- 18 to 21%
Member journeys (illustrative)
Illustrative stories from the proposal. The names are fictional.
Akello
Agriculture graduate, Lira
Saved UGX 20,000 a month, completed the enterprise readiness course and joined a sunflower and soybean cluster of 28 graduates. With a UGX 6 million Agro Value Chain Loan at 10 percent she contracted 60 smallholder farmers, then qualified for Asset and Equipment Finance to buy a tractor.
Musoke
Engineering graduate, Kampala
Took UGX 18 million in Asset and Equipment Finance at 11.5 percent for welding machines and a lathe, contributing 20 percent from savings. He now fabricates maize mills and coffee hullers for fellow members and employs six apprentices.
Nabirye
Nurse, Jinja
Saved through payroll check-off for 12 months, then took a UGX 25 million Enterprise Growth Loan at 12 percent to open a community clinic and pharmacy while keeping her hospital job.
Lokwang
Veterinary graduate, Moroto
Opened a veterinary drug shop and mobile treatment service with a Graduate Start-up Loan, then joined a livestock fattening cluster linked to a meat processor.
Atim and five classmates
ICT graduates, Gulu
With a UGX 15 million Innovation and Technology Loan at 10.5 percent, matched with an innovation grant, they built a record-keeping and payments app for PDM groups and SACCOs, now used across Northern Uganda.