Grow Wealth,
As One Family.
Join 32+ families building intergenerational wealth through transparent savings, automated investing, and unwavering community support.
UGX 50M+
Total Savings
Collective Wealth
UGX 10M+
Welfare Paid
Community Support
32+
Families
Trusting Us
2023
Founded
Years of Growth
From a small circle to a movement.
Founded in 2023, Munno Ddala began with a simple idea: Financial security shouldn't be a solitary struggle.
The Beginning
Munno Ddala starts with 5 families in Kampala, driven by a need for transparent welfare support.
Digital Transformation
Launch of our digital portal, allowing real-time tracking of 70/30 splits and automated reporting.
Expansion
Grew to 32+ families and introduced group investment vehicles for surplus savings.
Generational Wealth
Building a perpetual fund that secures the education and health of our children's children.
We wanted to build something that would outlast us. A system where our children inherit not just money, but a community.
Dr. Ssebaggala Richard
Founder & Chairman
Transparent. Automated. Secure.
We've removed the complexity from cooperative savings. Here is how your membership works.
Register & Subscribe
Join as a family unit. Pay your one-time registration and annual subscription fee to activate your account.
01Automated Splits
Make deposits via Mobile Money. The system automatically splits 70% to Savings and 30% to Welfare.
02Compound Growth
Your 70% earns interest through our low-risk investment portfolio (Bonds, Real Estate).
03Full Coverage
Access the welfare pool immediately for medical emergencies, school fees, or bereavement.
04Values that drive us forward.
We are governed by a strict code of ethics that prioritises the collective good over individual gain.
Empathy
We are more than a bank. We are a family that stands together in joy and grief.
Transparency
No hidden fees. Every member sees how every shilling is used via our portal.
Prosperity
We invest together to access opportunities that would be impossible alone.
Legacy
We are not just saving for today. We are building a foundation for our children.
Life at Munno Ddala
Catch up on the latest news and upcoming community gatherings.
Latest News
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Upcoming Events
Frequently Asked Questions
Everything you need to know about joining the cooperative.
It is automatic and transparent. For every deposit you make, 70% goes directly into your personal investment savings (which earns interest), and 30% goes into the Community Welfare pool to support families during emergencies.
The annual subscription covers administrative costs, platform maintenance, and ensures that 100% of your actual savings go directly to your balance without monthly ledger fees.
Your 70% Investment Savings are designed for long-term growth and are typically accessible annually or upon specific request. Welfare funds are claim-based and released immediately upon approval.
We use bank-grade encryption for our digital portal. All funds are held in a multi-signatory corporate account, meaning no single individual can move funds without committee approval.