Transforming the coffee economy.
To be the most trusted and inclusive farmer-owned financial cooperative in Kagera, transforming the coffee economy through accessible finance, disciplined savings and sustainable member prosperity.
About Kagera Kahawa SACCOS
A farmer-owned financial cooperative dedicated to savings, responsible credit and sustainable coffee-sector prosperity.
Institutional profile
Rooted in Kagera's cooperative coffee movement.
Kagera Kahawa SACCOS Savings and Credit Co-operative Society Limited—also known as Kagera Kahawa SACCOS Ltd or KAKASA—was registered on 10 November 2023 to serve AMCOS and coffee farmers in Kagera Region.
The SACCOS is positioned to mobilise member savings, build share capital, provide productive finance and support financial discipline across the cooperative coffee system.
Registration No. PRI-KR-BKB-MC-2023-6169
Licence No. MSP3-TCDC-2024-00504
Head office at KCU Premises, Jamhuri Road, Bukoba
Regional network of 134 AMCOS stated in the brochure
KAKASAKagera Kahawa SACCOS Limited
COOPERATIVE STRENGTH
Local ownership. Professional financial service.
KAKASA brings farmers, AMCOS leadership and professional financial management together to build a resilient coffee economy.
Responsible finance for sustainable growth.
To mobilise savings, strengthen share capital and provide affordable, responsible and timely financial services to AMCOS and coffee farmers, while promoting financial literacy, productive agriculture, clean energy and cooperative development.
Core values
Principles that protect member trust.
IntegrityWe protect member trust and act honestly.
Member OwnershipMembers remain at the centre of every decision.
TransparencyWe communicate clearly and account for resources.
CooperationWe advance shared success through collective action.
InclusionWe value women, youth and underserved farmers.
PrudenceWe lend responsibly and safeguard sustainability.
Strategic objectives
Building a strong, modern and sustainable SACCOS.
01
Capital Growth
Increase member savings, share capital and institutional liquidity.
Increase member savings, share capital and institutional liquidity.
02
Responsible Credit
Expand access to agricultural and productive-asset finance.
Expand access to agricultural and productive-asset finance.
03
Financial Literacy
Strengthen record keeping, savings habits and repayment culture.
Strengthen record keeping, savings habits and repayment culture.
04
Inclusion
Deepen participation of women, youth and smallholder coffee farmers.
Deepen participation of women, youth and smallholder coffee farmers.
05
Digital Transformation
Digitise member records, loan processes and communication.
Digitise member records, loan processes and communication.
06
Partnerships
Build strong links with banks, regulators and development institutions.
Build strong links with banks, regulators and development institutions.
07
Sound Governance
Maintain compliance, internal controls and portfolio quality.
Maintain compliance, internal controls and portfolio quality.
08
Resilient Livelihoods
Support climate-smart agriculture and clean energy.
Support climate-smart agriculture and clean energy.
Governance framework
Member control supported by professional management.
The framework below is proposed for alignment with the SACCOS by-laws and applicable cooperative requirements.
General Meeting
Highest member authority: approves major policies, elects leaders and receives accountability reports.
Board of Directors
Provides strategic oversight, policy direction and stewardship of member resources.
Supervisory / Audit Committee
Provides independent oversight of controls, compliance and governance conduct.
Management Team
Implements strategy and manages operations, staff, finances and member service.