Savings
Secure savings plans for long-term progress and everyday financial confidence.
- Flexible contribution plans
- Goal-based saving options
- Member-first access
Our services
Products & Services
SMACS products and services support savings, borrowing, investment, member development and community participation.
Loans
Affordable financing and structured support for personal and business goals.
- Transparent term structures
- Responsive processing
- Member support throughout
Loan charges
Loan charges follow the requested UGX 500,000 bands, increasing by UGX 10,000 per band and stopping at a UGX 60,000 cap from UGX 5,000,001.
- Up to UGX 500,000: UGX 10,000
- UGX 500,001 - 1,000,000: UGX 20,000
- UGX 1,000,001 - 1,500,000: UGX 30,000
- UGX 1,500,001 - 2,000,000: UGX 40,000
- UGX 2,000,001 - 2,500,000: UGX 50,000
- UGX 2,500,001 - 5,000,000: UGX 60,000
- UGX 5,000,001+: UGX 60,000 maximum
Investments
Strategic and responsible investment pathways tailored to member aspirations.
- Growth-focused planning
- Clear reporting
- Portfolio transparency
Member Training & Workshops
Workshops, awareness programs, and practical learning to improve financial confidence.
- Planned member learning
- Practical financial planning
- Community outreach
Good Leadership & Mentorship
Dedicated guidance and responsive service for a more inclusive member experience.
- Consultative support
- Problem resolution
- Clear communication
Agent Banking & Mobile Money
Access to approved agent banking and mobile money services.
- Secure account access
- Convenient transaction support
- Improved service speed
Land Investment Projects
Investment opportunities involving approved land projects.
- Project participation
- Member information
Tents & Chairs Project
Tents and chairs for events and community activities.
Tour & Travel
Tour and travel opportunities and services for members.
Upcoming Investment Opportunities
Approved opportunities can be published as they become available.
The SMACS difference
A proven rhythm of saving, borrowing, and member growth.
SMACS reached 264 active members in 2026, with approximately UGX 923M in member savings and more than 450 loans issued during the year.
264Active members
UGX 923MMember savings
450+Loans issued in 2026
UGX 60KMaximum loan charge
Loan application
How to apply for a SMACS loan
Loan applications are handled through the SACCO office and assessed using the information provided on the completed application form.
Become a member
You must first be a member of the SACCO before applying for a loan.
Get the application form
Collect the SMACS Loans Application Form from the SACCO office.
Complete the form
Fill in all required information accurately and provide the requested details.
Submit it to the office
Return the completed application form to the SACCO office for review.
Wait for the decision
The application is assessed and the appropriate action is taken: the loan is issued or declined with a reason based on the information provided.
Why members choose SMACS
Financial support built for real life.
Our services are created to guide members through growth, emergencies, education, and business opportunities without complexity or unnecessary friction.
- Transparent terms and accountable processes.
- Support for personal and business financial goals.
- Secure digital access in one connected ecosystem.