Save With Purpose. Build a Stronger Future.
Save With Purpose.
Build a Stronger Future.
For the farmer planning a harvest. The trader growing a business. The parent preparing for school fees. JMT SACCO helps you take the next step.
Save according to your means, borrow responsibly and learn practical ways to strengthen your household income.
Daily earnings, seasonal harvests or a monthly salary — start with a plan that fits your circumstances.
Rooted in teaching.
Growing with our community.
Jinja Mafubira Teachers’ Savings and Credit Cooperative Society brings together purposeful saving, member ownership, responsible credit and practical financial education.
Founded by educators in June 2020, JMT SACCO welcomes eligible members from different walks of life who want to plan ahead and improve their livelihoods.
You do not have to be a teacher to enquire.
Whether you work in a market, on a farm, in a classroom, in a workshop or from home, your goals matter.
Find out how to join →Membership is subject to the SACCO’s approved bylaws and eligibility requirements.
Small steps. Meaningful goals.
Plan for everyday needs and bigger ambitions. Ask our team which account and contribution arrangements suit your income.
Shares Account
Build your ownership stake in JMT SACCO and contribute to your cooperative’s capital. Shares and ordinary savings serve different purposes.
Understand savings & shares →Pension Account
Set money aside for your later years, whether you earn a salary, run a business or work for yourself. Build a long-term saving habit.
Ask about retirement saving →School Fees Account
Prepare gradually for school fees, uniforms, books and other learning needs. Make education part of your household saving plan.
Plan for the next school term →Children’s Account
Parents and guardians can enquire about saving for a child’s future while helping children learn the value of planning and saving.
Ask about children’s saving →Target Account
Give a clear purpose to your savings: business stock, farm inputs, land, home improvements, an emergency reserve or another personal goal.
Start with a saving goal →Loan Account
Eligible members can enquire about credit for a clear need, with assessment of repayment ability and the applicable lending requirements.
Explore responsible borrowing →A saving habit that fits real life.
Income does not arrive the same way for everyone. A market vendor may earn daily, a farmer after a harvest, and a worker at the end of the month. Start with a manageable amount and discuss a suitable contribution plan with our team.
Credit should support your progress.
Discuss your needs with our team and choose a repayment plan your household or business can manage.
- AgricultureFarm inputs, livestock and productive equipment.
- BusinessStock, working capital and enterprise improvements.
- Contract financingEnquire about support for verified contracts.
- Property & assetsDiscuss your land, building or equipment plans.
- School feesExplore options for education-related needs.
- EmergenciesDiscuss urgent needs and repayment ability.
Build financial confidence.
Create more opportunities at home.
Practical member education
Learn skills you can use in your home, on your farm or in your business.
- Budgeting & savingPlan for household needs, prepare for emergencies and keep a manageable saving habit.
- Business & farmingKeep simple records, understand costs and separate business money from household spending.
- Responsible borrowingCompare the full cost of credit, plan repayments and understand your responsibilities as a borrower or guarantor.
Prepare for their next chapter.
Give school fees and learning needs a place in your family’s saving goals.
Plan beyond today’s income.
Set long-term goals that support your needs as you grow older.
Financial strength for everyday people.
JMT SACCO began operations on 1 June 2020, founded by educators connected through KAWA Uganda. Our work brings saving, cooperative participation and financial learning closer to teachers and the wider community.
Our vision
To be a leading SACCO supporting financial empowerment and sustainable development for teachers and the wider community, while contributing to quality education in Uganda.
Our mission
To empower teachers and community members through accessible financial services, a strong saving culture and purposeful investment.
of active members supported to strengthen an income-generating activity.
Grow from where you are.
We aim to help farmers, market vendors, traders, artisans and other working people improve an existing source of income and, where practical, develop an additional one.
Our approach combines saving, practical training and access to responsible credit, recognising daily, irregular and seasonal earnings.
This is an ambition for 2030, not a result already achieved. Progress will depend on member participation and available resources.
Our values guide how we serve you:
Bring your goals.
Let us plan the next step together.
You do not need to be wealthy to start planning. Understand membership, ask questions and build a contribution habit you can sustain.
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Choose a goal
Think about what matters most: school fees, business stock, farm inputs, a home or future security.
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Understand membership
Confirm eligibility, registration fees, share contributions, required documents and member responsibilities.
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Speak to our team
Visit the office or contact us for guidance on registration and the next steps.
Before you get started
Can I enquire about joining if I am not a teacher?
Yes. JMT SACCO welcomes membership enquiries from farmers, traders, market vendors, artisans, entrepreneurs, parents, salaried workers and other community members. Membership remains subject to approved eligibility requirements and bylaws.
What if my income is irregular or seasonal?
Explain your income pattern to our team. Discuss a realistic saving plan and confirm the contribution requirements. Before taking a loan, make sure its repayment schedule fits your expected cash flow.
What is the difference between savings and shares?
Savings are money held under the terms of your chosen account. Shares represent your ownership stake in the cooperative and have different rules on transfer, withdrawal or exit. Ask for the current terms before contributing.
How much do I need to join?
Contact our office for the latest approved membership fee, share requirements, minimum saving contributions and required documents. Ask for the full schedule so you understand your commitments.
Are loans or dividends guaranteed?
No. Loans require assessment and approval under the current lending policy. Any dividend depends on the SACCO’s available surplus and the required approval.
How do I raise a question or complaint?
Contact the SACCO Manager through the official telephone or WhatsApp number below, or visit the office. Explain the issue and keep any relevant receipts or references. Do not share your PIN or password.
Let us talk about your goals.
Call or WhatsApp
Questions or complaints:
SACCO Manager
Office hours
Monday–Friday
8:00 AM–5:00 PM
Saturday
9:00 AM–1:00 PM
East Africa Time
Ask the SACCO Manager ↗
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