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A family SACCO in Kampala, since 2023

Save as a family. Stand together when it matters.

Munno Ddala brings 32+ families together to grow savings that earn interest, and to keep a welfare fund ready for each other. Every shilling is on the record, and every family can see theirs.

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Example statement

The Nakato family

Sample

Savings

4,182,500

Welfare

1,792,500

  • Monthly contribution+150,000
    28 Oct
  • Monthly contribution+150,000
    30 Sep
  • 2025 interest+212,400
    31 DecAdded to savings

Each contribution splits 70% savings and 30% welfare.

Saved by members
UGX 50M+
Paid out as welfare
UGX 10M+
Families
32+
Founded
2023

How it works

Simple to join, clear to follow.

You contribute, the Treasurer records it, and your family's account shows exactly where it went.

Every contribution

70% savings30% welfare

  1. Step 1

    Join as a family

    Register your family with the SACCO and pay the one-time registration and the annual subscription. The Treasurer opens your account and gives you a temporary password.

  2. Step 2

    Contribute

    Pay by mobile money, bank or cash. The Treasurer records each payment, and it shows in your account as soon as it is recorded.

  3. Step 3

    Savings earn interest

    Your family's savings earn a share of the SACCO's returns, added to your balance each year.

  4. Step 4

    Welfare when it's needed

    The welfare fund supports member families through emergencies and bereavement.

Our story

From a small circle to a movement.

Munno Ddala began with a simple idea: financial security shouldn't be a struggle you face alone.

  1. 2023

    The beginning

    Munno Ddala starts with 5 families in Kampala, driven by a need for open, fair welfare support.

  2. 2024

    The member portal

    Every family can now see its savings, welfare and each payment the Treasurer records.

  3. 2025

    Growing together

    We grow to 32+ families and start investing surplus savings as a group.

  4. Next

    Generational wealth

    A lasting fund for 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.
DRDr. Ssebaggala RichardFounder & Chairman

What we stand for

Values that guide every decision.

Empathy

We are a family that stands together in joy and in grief.

Transparency

No hidden fees. Every member can see where each shilling goes.

Prosperity

Together we reach investments none of us could reach alone.

Legacy

We save for today, and build a foundation for our children.

News and events

Life at Munno Ddala

The latest from the SACCO, and the next times we meet.

Latest news

No news yet. Check back soon.

Upcoming events

No events scheduled right now.

Questions

Before you join

What families usually ask us first.

Something else? Send us a message.

When the Treasurer records a contribution, 70% goes to your family's savings, which earn interest, and 30% goes to the welfare fund that supports families in hard times. Your account shows both parts of every payment.

It covers running costs, including the member portal, so that all of your contributions go to your savings and welfare with no monthly fees.

Savings are meant for long-term growth and are usually available once a year or on request to the committee. Welfare is paid out on approved claims.

Funds are held in a multi-signatory account, so no one person can move money without committee approval. In the portal, each member has their own password, officers only see what their office needs, and every change to money is logged with who made it.

Ready to save with your family?

Tell us about your family and we'll explain the next steps.

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