A fund built by members, for members.
──── Who we are
Ordinary savers, pooling extraordinary discipline.
We are a member-centric financial institution dedicated to promoting financial inclusion and economic growth in Uganda. Songa is built on the belief that fair financial opportunities should be accessible to everyone, regardless of their background or financial position.
Our model is simple. Members save consistently. Member savings are pooled together to provide accessible, low-interest credit to other members. The profit that pool generates is returned to the members as dividends. Nothing leaves the community that built it.
We work directly with employers across Kampala, bringing accessible and affordable financial services to their teams – because a workforce that is not fighting financial stress is a workforce that can do its best work.
01
Saving
A culture of consistent, disciplined contribution - the foundation everything else rests on.
02
Borrowing
Responsible credit, priced fairly and assessed independently, so debt stays a tool not a trap.
03
Investing
Sustainable opportunities that turn a monthly habit into long-term member wealth.
04
Sharing
Profit distributed back to members, because the fund's success is the membership's success.
UGX 25,000
──── Our mission and vision ────
Where we stand, and
where we are going.
Mission
To empower members through accessible savings, fair lending, and sustainable investment opportunities that promote financial growth and shared prosperity.
Vision
To become a leading and trusted microfinance community in Uganda, transforming lives through collective financial empowerment and inclusive growth.
──── Our team and expertise
Built on Shared Responsibility
Executive Committee
Custodians of the institution's values and financial objectives. Every prospective member is formally recommended and approved here.
- Approves membership applications
- Safeguards integrity and alignment with Songa values
- Oversees strategy, partnerships and reporting
Loan Committee
An independent body that assesses every credit application on its merits, protecting both the borrower and the pool that funds them.
- Reviews and approves loan applications
- Determines final rates and repayment terms
- Monitors portfolio health and repayment
The Members
Members, staff, referred individuals, and partner-organisation employees who save, access credit, make referrals, and share in the benefits.
- Contribute the savings that fund the pool
- Refer new members and earn referral commission
- Share annually in the profits of the fund
──── Looking forward
Becoming Uganda's leading member -based microfinance.
Our ambition is to foster financial inclusion through strategic partnerships and sustainable growth – widening the circle without diluting the discipline that makes it work.
Priority 01
Deepen membership
Grow the base through employer partnerships and member referrals, keeping every entrant properly vetted.
Priority 02
Strengthen the pool
Priority 03
Widen financial literacy
Priority 04
Sustainable returns
“Let's work together to empower your employees and boost your business.”
Ready to save with people who share your goals?
Membership starts with a referral from an existing member and a one-time UGX 10,000 registration fee.