Our
Strategic
Initiatives

While we are a donor funded organization, we also focus on sustainability through expansion and diversification of our resource base. We do this through our two strategic initiatives.

Imara Women's Centre (IWC)

The Imara Women’s Centre will be FOWODE’s contribution to the women’s rights movement. It will be a Centre for learning, sharing and common purpose for all women and girls. The Centre is to be located in Kyadondo county, Wakiso district

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Our growth, our prosperity

PAMOJA SACCO

VISION

Economic sustainability among members

MISSION

Promoting economic empowerment among members through

OBJECTIVES

  • To promote a savings culture.
  • To economically empower members.
  • To enhance member knowledge through regular trainings and meetings

The FOWODE PAMOJA SACCO was birthed by the Board Of Directors of FOWODE in 2018 with an initial aim of keeping her members connected, engaged and vibrant while providing an enabling environment for economic empowerment. The SACCO is open to all members.

How to join the SACCO

  • Buy a compulsory share worth Shs 50,000.
  • Pay membership fees of Shs 10,000.
  • Purchase a SACCO book worth Shs 3,000.
  • Save a minimum of Shs 50,000 monthly.
  • 2 passport size photos and National ID.

Member Benefits

  • Access loans at low interest rate
  • Acquire business skills through training
  • Share dividends at end of financial year.
  • Earn interest on fixed savings.
  • Enhance your networks by connecting with others.

Saving Schemes

  • Ordinary savings: minimum of 2 shares and minimum balance of 50,000.
  • Regular savings: monthly contribution of 50,000 and minimum balance of 600,000 per annum
  • Group savings: initial deposit of 500,000 and minimum monthly contribution of 100,000 (interest of 10% per annum).
  • Special purpose: opening balance of 100,000
  • Fixed term: minimum deposit is 1,000,000 (3 months with 5% per annum, 6 months 10% per annum, 2 months 15% per annum)
  • Children’s account: education loan of up to 200% of credit balance and 10% interest.

Loan Schemes

  • Development loan: 200% of savings and shares paid in 48 months at 1% interest processed in 48 days.
  • Top Up loan: Maximum of 25 million processed in 15 days with 30 months repayment time at 1.5% interest rate.
  • Education loan: Maximum of 5 million paid in 18 months at 1.5% interest processed in 2 weeks.
  • Fixed Asset loan: Maximum of 100 million payable in 48 months processed within 15 – 30 days at 2% interest.
  • Instant / Quick Cash: Maximum of 2 million payable in 4 months processed within 12 – 24 hours at 10% interest.
  • Emergency loan: Maximum of 4 million payable in 12 months processed within 3 – 7 hours at 3% interest.
  • Weekend loan: Maximum of 500,000 payable in 7 days processed within 2 hours at 5% interest.
  • Salary loan (FOWODE Staff only): Maximum of 50 million payable in 18 months processed within 3 – 7 days at 1.2% interest.
  • Holiday loan: Maximum of 4 million payable in 12 months processed within 2 days at 3% interest.
  • Tupakase loan: Maximum of 4 million payable in 6 months processed within 2 days at 5% interest.

SPEAK FM

To amplify women’s voice on leadership, democracy and governance, SPEAK FM hit the airwaves of Gulu in 2012. FOWODE prides herself in establishing the second women’s radio station in the country and the first in the Northern Region.

In 2022 we celebrated with excitement 10 years of amplification of women’s voices, demand for gender responsive accountability and quality service delivery. SPEAK FM continues to stand out in the region as a platform for the promotion of social justice and women’s rights. One of the highlights of the year was the digitalization of SPEAK FM to facilitate global access via www.radiocomnetu.org/speakfm/

SPEAK FM is on a growth trajectory, and we are excited about the future as we commercialise, enhance our brand and position ourselves as the leading social justice media platform in the region.