Adjumani Town Council Savings and Credit Cooperative Organisation reported a 25.7 per cent increase in deposits, growing from 8.54 billion shillings in 2024 to 10.83 billion shillings in 2025, according to its annual report. The loan portfolio increased by 18.5 per cent to 16.3 billion shillings, while total assets reached 22.1 billion shillings. The growth reflects two decades of government support that began when President Museveni directed every sub-county to establish a SACCO. Adjumani SACCO was established in 2006 and registered in 2007.
Government financing through the Microfinance Support Centre has been instrumental in the institution's expansion. The SACCO began receiving government support worth 10 million shillings in 2009, with cumulative financing through agricultural loans and government grants subsequently reaching approximately 1.1 billion shillings. Patrick Maku Mawadri, the SACCO's general manager, said this support had enabled the institution to provide affordable financial services to farmers, entrepreneurs, school proprietors and other community members seeking to grow their businesses and improve their livelihoods.
The financing has translated into tangible benefits across Adjumani district. Charles Ambama, proprietor of Rock View Nursery and Primary School in Pakele Town Council, used SACCO credit to improve school infrastructure and accommodate more learners. Agronomist Felix Asilaza established a model farm in Adropi Sub-county through an agricultural loan. Businesswoman Mary Limio from Rassia East Village invested in home improvements and rental housing. Juma Ramadan Bashir secured more than 10 million shillings to establish a car and motorcycle washing business, while poultry farmer Sunday Edea from Pakondo Village expanded production and created employment.
Agricultural support extended beyond individual loans. The SACCO acquired three tractors through MSC funding to support farming. These machines helped farmers prepare more than 10,000 acres of land and benefited over 1,500 people in less than a year. Francis Nsubuga, MSC regional manager for Northern Uganda, stressed that when affordable credit is combined with training and technical support, communities are better positioned to build sustainable enterprises and create employment opportunities.
For savers, borrowers and small business owners in Adjumani, access to affordable SACCO financing means they can invest in productive activities and expand enterprises without depending entirely on existing income sources.