Frequently Asked Questions

The SACCO is open to all staff of the Office of the Director of Public Prosecutions (ODPP), including both Prosecutorial and Non-Prosecutorial staff. Former staff and retirees are also eligible and remain valued members of our growing community.

To join, you will need to pay the following:

• Membership fee: UGX 50,000 (one-time, non-refundable)
• Annual subscription fee: UGX 50,000
• Minimum 20 shares: UGX 400,000 (UGX 20,000 per share)
• First month's savings deposit: UGX 100,000

Total to start: approximately UGX 600,000

Yes. Former members and retirees of ODPP may rejoin the SACCO. Please contact the SACCO administration to discuss the process and any applicable conditions for rejoining.

Active members contribute regularly to the SACCO through savings and/or shares. Inactive members may have ceased regular contributions. As at December 2025, the SACCO had 247 active members (138 female, 109 male) and 66 inactive members.

The joining process involves 5 steps:

1. Pay a Membership Fee of UGX 50,000
2. Pay an Annual Subscription Fee of UGX 50,000
3. Pay UGX 400,000 for a minimum of 20 shares (UGX 20,000 per share)
4. Deposit UGX 100,000 as your first month's savings — payable via DFCU Bank (A/C: 01071113448186, Jinja Road Branch), Centenary Bank (A/C: 3100122175, Namirembe Road Branch), Airtel Money (*185*4*9#), or MTN MoMo (*165*4*4#)
5. Start saving monthly via Standing Order, Airtel Money (*185*4*9#), or MTN MoMo (*165*4*4#)

You can complete the online membership form directly on this website at the Join the SACCO page, or visit the SACCO offices at JLOS House (JLOS Towers), Plot 98–102, Katalima Road, Naguru, Kampala.

You must have been an active member and made regular savings contributions for a minimum of 3 consecutive months before becoming eligible to apply for a loan.

The SACCO pays a competitive annual interest rate on members' savings balances. Interest is calculated on the end-of-year balance and credited to all members whose savings balance was not less than UGX 100,000 as at 31st December of each year. Contact the SACCO office for the current applicable rate.

The minimum savings balance to earn interest is UGX 100,000. New members are required to deposit UGX 100,000 as their first month's savings when joining.

You can save through the following channels:

• Standing Order — automatic monthly debit from salary
• Airtel Money — *185*4*9# · Business No: 4363898
• MTN MoMo — *165*4*4# · Merchant Code: DPPSTAFF
• DFCU Bank — A/C Name: DPP Staff Co-operative Society Ltd · A/C No: 01071113448186 · Branch: Jinja Road Branch
• Centenary Bank — A/C Name: ODPP Staff Co-operative Society Ltd · A/C No: 3100122175 · Branch: Namirembe Road Branch

The SACCO charges a competitive monthly interest rate calculated on the reducing balance method — designed to be affordable and fair for all members. Contact the SACCO office for the current applicable rate.

To qualify for a loan you must:

• Be an active member who has saved continuously for the last 3 months
• Maintain a regular savings record
• Provide a minimum of 1 guarantor who is also a SACCO member
• Submit a complete and signed Loan Application Form

For larger loans, tangible security and evidence of ability to repay may also be required.

Yes. Members may apply for a loan top-up after they have been servicing their current loan for a minimum of 3 months.

Once you have submitted a complete loan application with all required documentation, processing typically takes 2 to 3 working days. Incomplete applications may take longer as additional information may be required.

Members are eligible to make a savings withdrawal after a minimum of 3 months of continuous saving. This ensures that your funds have had time to work for you and the SACCO. If you have an outstanding loan, your savings may be subject to lien until the loan is fully repaid. Please contact the SACCO administration to initiate a withdrawal request.

If you exit the SACCO, you are entitled to a full refund of your savings balance. As for your shares, they are first offered to existing members who wish to purchase them. If no member comes forward to buy them, the SACCO will purchase the shares on your behalf using the Share Transfer Fund — a dedicated reserve set aside from the SACCO's annual surplus for exactly this purpose — ensuring you receive the full value of your shares promptly.

In the event of the death of a member, the SACCO will process the release of the deceased member's savings and shares to the named beneficiary/next of kin in accordance with the SACCO bye-laws. Please ensure your beneficiary information is kept up to date with the SACCO administration.

The SACCO accepts payments via:

• Airtel Money — Dial *185*4*9#, Business No: 4363898
• MTN MoMo — Dial *165*4*4#, Merchant Code: DPPSTAFF
• DFCU Bank — A/C Name: DPP Staff Co-operative Society Ltd · A/C No: 01071113448186 · Branch: Jinja Road Branch
• Centenary Bank — A/C Name: ODPP Staff Co-operative Society Ltd · A/C No: 3100122175 · Branch: Namirembe Road Branch
• Standing Order — from your salary account

Always use your full name as the reference/description when making any payment. This ensures the SACCO can correctly identify and credit your account.

Yes. The ODPP Staff SACCO is fully licensed and regulated by the Uganda Microfinance Regulatory Authority (UMRA) under Licence No. 306/5C. It is also registered under the Cooperative Societies Act, Cap. 107 with Certificate No. 12218/RCS.

The SACCO is governed democratically by its members through the Annual General Meeting (AGM), which is the highest decision-making body. The AGM elects the Executive Committee (EXCO) and Supervisory Committee (SUPCO). An independent External Auditor reviews the financial statements annually.

All members can participate in the Annual General Meeting (AGM), vote for Executive Committee members, stand for election to the Executive or Supervisory Committees, and raise matters for discussion at the AGM. Active participation strengthens the SACCO for all members.