Affordable Financial Support
Loans for eligible members at an affordable policy rate, subject to current SACCO terms.
Membership
Join a financially secure community that grows together.
SMACS welcomes members from education, medical, engineering, investment and project enterprises, and other professional backgrounds. Membership has grown from 108 members in 2019 to 264 active members in 2026, supported by approximately UGX 923M in member savings.
Who can join
Members from every part of the community.
SMACS supports a diverse membership base, including professionals, entrepreneurs, community groups, and dedicated savers looking for secure, transparent financial growth.
- Eligible community members with a valid identification document.
- Applicants ready to participate in savings, support, and member activities.
- Clear onboarding through secure verification and approval steps.
01
Registration02
Verification03
Approval04
Activation
Member journey
How Membership Works
A simple journey built around collective financial participation and socio-economic wellbeing.
01
JOINBecome a member according to SACCO requirements.
02
SAVEDevelop a consistent savings culture.
03
BORROWAccess eligible financial support.
04
INVESTParticipate in available investment opportunities.
05
GROWImprove socio-economic wellbeing through collective financial participation.
Membership benefits
Why become a member?
Savings Discipline
Members can maintain monthly savings while servicing a loan to build a stronger savings base.
Development & Investment
Members gain exposure to dividends, net-profit participation subject to performance and policy, leadership development, workshops and investment opportunities.