Building Financial Freedom Together
Joy of Christ Sacco is a community-based savings and credit cooperative organization that has been empowering individuals and families for over 7 years. We bring together members from all walks of life — church members, local community, business owners, and professionals — to save, invest, and grow together.
Our mission is to promote financial literacy, provide affordable credit, and create wealth-building opportunities for our members while operating on biblical principles of stewardship and generosity.
Join Sacco Today
Years of Excellence
Active Members
Total Savings
Loans Disbursed
What We Offer
Savings Accounts
Regular savings, fixed deposits, and target savings plans
Affordable Loans
Emergency, school fees, business, and development loans
Investment Opportunities
Collective investments in real estate and businesses
Financial Literacy
Training on budgeting, saving, and wealth creation
Empowerment Programs
Beyond savings and loans, we are committed to empowering our members through:
- Business skills training and mentorship
- Entrepreneurship workshops and networking
- Group investment projects (real estate, agriculture)
- Annual members' conference and empowerment summit
- Access to markets and business partnerships
Member Testimonies
"Joining Joy of Christ Sacco transformed my business. I got a loan to expand my shop, and today I employ 5 people. The interest rates are fair and the support is amazing!"
— Grace, Business Owner
"I was able to pay my children's school fees on time because of the school fees loan. I've been a member for 4 years and my savings have grown significantly."
— Peter, Teacher
"The financial literacy training opened my eyes. I learned how to budget and save. Now I have an emergency fund and I'm planning to buy land."
— Sarah, Single Mother
How to Join
- Attend a new members' orientation session
- Fill out the membership application form
- Pay the one-time registration fee (UGX 20,000)
- Purchase minimum shares (UGX 50,000)
- Start saving regularly (minimum UGX 10,000/month)
Requirements: Valid ID (National ID, Passport, or Driver's License) and passport photo.
Member Benefits
- Annual dividends on savings
- Low-interest loans (as low as 1.5% per month)
- Emergency loan within 24 hours
- Free financial advisory services
- Access to group investment opportunities
Sacco Leadership
Our Sacco is governed by a dedicated board of members elected by the general assembly. We operate with transparency, accountability, and integrity.
Start Your Financial Journey Today
Join a community of over 500 members who are saving, investing, and growing together. Your financial freedom starts here.
Meetings: Every 1st Saturday of the month at Joy of Christ Church Hall, 9:00 AM