Member-owned cooperative

Saving together,
Growing together.

Digital We Prosper

Empowering DigiCash agents across Uganda through sustainable savings, affordable credit, and shared prosperity.

Join SACCO View Loans Access SACCO Portal

Unity · Equity

Cooperative banking for agents

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About Us

DigiCash Agents Association (U) Ltd — unified platform for agents across Uganda.

Background

Established to promote professional conduct, capacity building, advocacy, networking, and economic wellbeing. Through collective action, members share knowledge and promote responsible digital financial services.

  • Unified platform for 2,400+ agents
  • Capacity building & advocacy
  • Responsible digital finance

Rationale for SACCO

Members face high lending costs, limited collateral, and rigid repayment terms. A member-owned SACCO provides:

  • Savings mobilisation
  • Affordable loans & investment
  • Financial education & emergency support
  • Solidarity & mutual responsibility

Vision & Mission

Vision

To become the leading member-owned digital financial cooperative empowering DigiCash agents through sustainable savings, affordable credit, innovation, and shared prosperity across Uganda.

Mission

To mobilize members' savings, provide accessible financial services, strengthen enterprise growth, promote cooperative values, and improve the socio-economic wellbeing of every member through transparent and accountable governance.

Core Values

Integrity Transparency Unity Professionalism Innovation Accountability Equity Teamwork

Our Loan Products

Affordable credit tailored for DigiCash agents. Competitive rates, flexible terms.

Business Expansion

Up to UGX 10M

6% monthly

12–24 months

Emergency Loan

Up to UGX 1M

Quick disbursement

1–3 months

Asset Financing

Smartphones, POS, bikes

Flexible terms

Up to 12 months

Education Loan

School fees support

Low interest

6–12 months

Group Guarantee

No collateral required

Backed by agents

Flexible

Digital Member Services

Manage your SACCO membership, savings, shares, loans, repayments, and statements from one secure portal.

Member Profile

Keep your member details, contact information, and account records up to date.

Savings Overview

View your savings balances, deposits, withdrawals, and account activity.

Share Holdings

Track your shares, contributions, holdings, and ownership in the SACCO.

Loan Applications

Apply for eligible loans and follow the progress of your application online.

Repayments

Make and track repayments digitally with clear references and transaction records.

Notifications

Receive important updates about approvals, repayments, obligations, and account activity.

Statements

Access digital statements and transaction history whenever you need them.

Secure Access

Use a secure member login designed for convenient access on phone or computer.

One Portal for Your SACCO Services

Save time, reduce queues, and keep track of your SACCO services from one convenient digital member portal.

Open Member Portal

Access Your SACCO Portal

Manage your savings, shares, loans, repayments, statements, and member profile from one secure platform.

Sign in to SACCO Portal
Secure 256-bit SSL encryption • Available 24/7

Success Stories

Real impact from real members.

From 1 to 4 outlets

Agent Grace used a UGX 3.5M loan to open three additional outlets. Daily revenue grew from UGX 150k to UGX 600k in 8 months.

Emergency recovery

After theft, agent John accessed a UGX 800k emergency loan within 6 hours. He restocked and recovered full operations in 2 days.

Women empowering women

Agent Sarah used SACCO savings to train 10 women agents in her community, creating a network of successful female digital financiers.

Member Testimonials

What our members say about us.

Grace A.

“Before SACCO, I was paying 15% monthly to loan sharks. Now I pay 6% and my business has grown 3x.”

Grace A.
Kampala
Peter O.

“The SACCO portal is a lifesaver! I apply for loans from my shop without closing business.”

Peter O.
Jinja
John M.

“The financial literacy workshops changed how I manage cash flow. I've saved UGX 4.2M in one year.”

John M.
Jinja
Sarah N.

“The emergency loan came through in 6 hours when my son was hospitalised. I'm forever grateful.”

Sarah N.
Gulu

Leadership

Dedicated board members driving the SACCO vision.

Esther Namala

Esther Namala

CEO
Barasa Hilary Ongayo

Emmanuel Mugisha

Deputy Chairperson Digi Cash Agents Association
Barasa Hilary Ongayo

Barasa Hilary Ongayo

Chairperson Disciplinary Committee
Mumbere Jackson

Mumbere Jackson

Mobilizer Northern Region
Mukisa Andrew Kennedy

Mukisa Andrew Kennedy

Secretary General
Mukisa Andrew Kennedy

Pascal Ayebale

Chief Whip
Mukisa Andrew Kennedy

Murungi K. Peter

Regional Mobilizer Tooro
James L.

Ivan Tumwesigye

Regional Mobilizer Central
James L.

Nalwanga Rhoda

Public Relations
Mukisa Andrew Kennedy

Ssempala Henry

Deputy Secretary
Faith W.

Parioc Charles Peter

Deputy Disciplinary Digi Cash

How to Join

Become a member and start enjoying the benefits of cooperative banking.

1

Fill Form

Online or at any branch

2

Pay Fees

UGX 20,000 registration + UGX 10,000 per share share

3

Orientation

Attend member orientation

4

Start Saving

Access loans & benefits

Contact us to join

Frequently Asked Questions

Who can join?
Any active DigiCash agent in Uganda. You must be a member of the Association.
What is the minimum savings?
Minimum share capital is UGX 10,000. You can save as little as UGX 10,000 weekly.
How long does loan approval take?
Emergency loans: 6–24 hours. Business loans: 2–5 working days.
How do I access the SACCO portal?
Click the "Access SACCO Portal" or "Sign in to SACCO Portal" button anywhere on this website. You will be redirected to the secure member portal.
Can I withdraw my savings?
Yes, upon request. However, we encourage saving to build capital and earn dividends.

Get in Touch

Reach out to us – we're here to help.

Call us:

  • 256789929509
  • 256771299776
  • 256795801108
  • 256744900001

Email: info@digicashsacco.ug

Kampala, Uganda

SACCO Member Portal: Access the portal here

We'll respond within 24 hours.