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ICYEREKEZO SACCONyarugenge
Young adults studying together in a room overlooking the city.

01 · Saving

Start with a goal you can work towards.

Write down what you are saving for, its cost and your target date. Choose an amount you can set aside each month while covering essential household needs.

If your income changes, adjust the plan. Setting money aside regularly, even in small amounts, helps you track progress.

Understand what comes in and goes out.

  1. List actual income, rather than relying only on expected payments.
  2. Start with food, housing, school costs and other essentials.
  3. Include existing debt and other recurring commitments.
  4. Review the balance and plan savings and other spending.

Ask before you sign.

Understand interest, additional charges, repayment periods, security and what happens if payments are late. Ask for a copy of the terms and repayment schedule.

Estimate loan repayments
Three friends discussing a money plan in a courtyard.
Three friends discussing a money plan in a courtyard.

Your next chapter starts here.

Get the information you need before visiting the SACCO.

Prepare a request
Further guidance
An emergency reserveMake a practical plan for essential costs that arrive without warning.Planning school costsBring school essentials, payment dates and affordable savings into one plan.Money guide libraryFind guidance on goals, business, borrowing and money safety.Money goalsA salary, school costs, family or the unexpected: plan what matters to you.Borrowing with clarityUnderstand total costs, the repayment schedule and your responsibilities before signing.