Kyaddondo CBS PEWOSA SACCO

About Us

We are a member-owned cooperative financial institution dedicated to empowering individuals, families, and enterprises through trusted savings and accessible credit.

Our History

The Story of Kyaddondo CBS PEWOSA SACCO

From humble beginnings to a trusted financial institution serving the Kyaddondo community.

Kyaddondo CBS PEWOSA SACCO was established with a clear mission: to provide accessible and affordable financial services to members of the Kyaddondo community. Founded on the principles of the cooperative movement, the SACCO has grown steadily by putting members first.

Operating under the regulatory oversight of the Cooperative Bank of Savings (CBS), we have maintained high standards of financial governance, transparency, and member accountability over the years.

Today, the SACCO offers a wide range of savings and loan products tailored to the everyday needs of individuals, small business owners, farmers, youth, and organised groups across the community.

500+
Active Members
10+
Years of Service
UGX B
Loans Disbursed

CBS Affiliated & Regulated

We operate under the Cooperative Bank of Savings (CBS) framework, ensuring that your savings and investments are handled with full regulatory compliance and transparency.

Registered & Licensed SACCO
Annual Audited Accounts
Member-Governed Institution
What Drives Us

Mission & Vision

Our Mission

To provide accessible, affordable, and responsive savings and credit services to our members, enabling financial growth, security, and improved livelihoods within the Kyaddondo community.

Our Vision

To be the leading member-owned cooperative financial institution in the Kyaddondo region, recognised for transparency, innovation, and the tangible transformation of members' financial wellbeing.

What We Stand For

Our Cooperative Values & Objectives

Built on the internationally recognised cooperative principles, we uphold values that guide every decision we make on behalf of our members.

Democratic Member Control

Every member has an equal voice. Decisions are made democratically at our Annual General Meetings, ensuring every voice counts regardless of savings size.

Honesty & Transparency

We maintain open books, publish audited annual accounts, and communicate openly with all members about the SACCO's financial position.

Financial Inclusion

We are committed to reaching members who are underserved by mainstream financial institutions — including youth, women, farmers, and small business owners.

Education & Training

We invest in financial literacy for our members, providing guidance on savings habits, loan management, and long-term financial planning.

Community Concern

Beyond individual benefit, we aim to uplift the broader community — supporting local enterprise, youth empowerment, and shared prosperity.

Autonomy & Independence

While CBS affiliated, PEWOSA SACCO is independently governed by its elected Board of Directors, acting solely in the interests of the membership.

Leadership & Governance

Board of Directors

Our elected Board of Directors provides strategic oversight, ensuring the SACCO operates with integrity, accountability, and in the best interests of all members.

C
Board Chairperson
Chairperson
V
Vice Chairperson
Vice Chairperson
S
Secretary
Board Secretary
T
Treasurer
Treasurer
D
Board Member
Director
D
Board Member
Director
D
Board Member
Director
D
Board Member
Director

Board member profiles are updated following each Annual General Meeting (AGM).

Day-to-Day Operations

Management Team

Our professional management team handles day-to-day operations, member services, and the implementation of the Board's strategic direction.

General Manager

Oversees overall SACCO operations, member relations, and strategic execution.

Loans Officer

Manages loan applications, assessments, disbursements, and recovery.

Digital Banking Manager

Leads digital transformation, online services, and technology integration.

Accountant

Maintains financial records, prepares reports, and ensures fiscal compliance.

Member Services Officer

Handles member registration, inquiries, and day-to-day member support.

Internal Auditor

Ensures compliance, reviews controls, and safeguards member assets.

Our Regulatory Home

CBS Affiliation

Kyaddondo CBS PEWOSA SACCO operates as an affiliated member of the Cooperative Bank of Savings (CBS). This affiliation provides our members with an additional layer of confidence, oversight, and institutional support.

Under CBS guidelines, we are required to maintain sound financial practices, hold regular AGMs, publish audited financial statements, and adhere to established cooperative principles — giving members peace of mind about the security of their savings.

Become a Member Today
Regulatory Oversight

Subject to CBS monitoring and compliance reviews.

Annual Audit

Accounts independently audited each financial year.

Member Protection

CBS frameworks protect member deposits and rights.

Institutional Support

Access to CBS training, guidance, and resources.

Ready to Join Our Community?

Become a member today and start benefiting from our savings and loan products.

Become a Member Contact Us