Est. 2018  ·  Rukungiri, Uganda

Empowering Communities
Through Collective
Savings

RYSA is a member-owned savings and credit cooperative dedicated to fostering financial inclusion, providing affordable credit, and driving sustainable community development.

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2,500+
Active Members
UGX 5B+
Total Savings
3,200+
Loans Disbursed
UGX 2B+
Loans Portfolio
About Us

Building a Stronger Financial Future Together

Founded in 2018, RYSA is a community-based savings and credit cooperative registered under the Cooperative Societies Act. We pool members' savings to provide affordable credit, promote a culture of saving, and invest in income-generating activities that benefit our members and the broader community.

Mission
To mobilize savings and provide accessible credit to improve livelihoods.
Vision
A financially empowered community where every member thrives.
Core Values
Unity, Transparency, Integrity, Mutual Help, and Social Responsibility.
R
RYSA
Together We Grow
Our Products

Savings & Credit Solutions

Flexible products designed to meet the diverse financial needs of our members.

Monthly Savings
Regular monthly contributions that build your savings over time. Flexible contribution amounts with competitive interest rates.
From UGX 20,000/month
5–8% annual interest
Emergency Fund
A dedicated savings pool for unexpected expenses. Quick access to funds when you need them most.
Instant access up to 50% of savings
Low-interest emergency loans
Development Fund
Long-term savings for income-generating projects and business development. Higher returns for committed savers.
Business loans up to 3× savings
Higher dividend rates
Welfare Fund
A social support fund providing financial assistance during times of need such as illness or bereavement.
Funeral & emergency support
Medical assistance
Loans
Affordable credit facilities including development loans, emergency loans, and education financing for members.
From 1% interest/month
Flexible repayment terms
Special Projects
Targeted savings programs for specific goals like education, housing, or agricultural projects.
Tailored savings goals
Matching grants available
Why Join RYSA

Benefits of Membership

When you join RYSA, you become part of a community that invests in your financial well-being.

Regular Savings
Build a disciplined saving habit with automatic deductions and competitive interest on your savings.
Affordable Credit
Access loans at rates far lower than commercial banks, with flexible repayment terms tailored to your cash flow.
Annual Dividends
As a member-owner, you share in the profits through annual dividend payouts based on your savings.
Community
Join a supportive community of savers working together for mutual financial growth and well-being.

Ready to Start Your Savings Journey?

Join hundreds of community members building a secure financial future through collective savings.

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Contact

Get In Touch

Have questions or want to learn more? Reach out to us — we'd love to hear from you.

Visit Us
P.O. Box 123, Main Street, Rukungiri, Uganda
Email Us
info@rysa.coop  /  support@rysa.coop
Call Us
+256 700 000 000  /  +256 701 000 000
Send Us a Message