Rukiga Sacco in Uganda is a financial cooperative in the rural area of Kabale, Uganda. They engage in savings for members. They also advance loans to small holder farmers and have around 21,700 clients (end 2020) with loans.

As of 2019, Rukiga SACCO is transforming from a traditional cooperative financial institution to a customer needs based service provider. Faced with the challenges in the financial sector, such as regulations and increasing banking risks, work is being done to professionalise credit & risk management. And to further improve customer service, customized (loan) products are being developed for specific economic activities and target groups, including women and young people (starters).

The challenges for the future lie in the field of risk management, finding the right balance between growth and profitability and building up a solid portfolio without losing sight of the cooperative values.