UNITEUSSS
Safeguarding your future financially….
WHO WE ARE
UNITEUSSS SACCO Society Ltd is unique, democratic, member driven and self-
help cooperative organization. registered under Co-operative Society Act 2011 of
South Sudan. We opened doors in January 2019. In UNITEUSSS SACCO,
members agree to save their money together and offer loans to each other at
reasonable interest rates of 12 % p.a at a reducing balance.
UNITEUSSS Sacco is a member-owned business and membership is open to all
resident and non-resident South Sudan anywhere in the world. The Sacco admits
eligible individuals, groups, or corporates for membership of the Society upon
fulfilment of membership opening requirements.
Membership is voluntary and open to all within the accepted common bond of
association, that can make use of its services and are willing to accept the
corresponding responsibilities. Upon admission a member is issued with a
membership number for reference purposes and two mandatory accounts are
automatically opened for the member:
THE MISSION
TO IMPROVE THE SAVING CULTURE AND LIVES OF OUR
MEMBERS, THROUGH PROVISION OF INNOVATIVE, AFFORDABLE
AND LONG TERM INVESTMENTS THAT MAXIMIZE RETURNS TO
SHAREHOLDERS.
CORE VALUS
SOCIAL RESPONSIBILITY
PROFESSIONALISM
EQUALITY & EQUITY
DEMOCRACY
ACCOUNTABILITY
TEAMWORK
HONESTY
MEMBERSHIP GROUP
WHO CAN JOIN?
EMPLOYEE‘S AND BUSINESS INDIVIDUALS, GROUPS, DIASPORA
CORPORATES, INVESTORS SHARIAH FAITHFUL’S.
WHAT IS REQUIRED TO JOIN?
FILL MEMBERSHIP FORM
PROVIDE NATIONAL ID, PASSPORT ALIEN, PHOTO AND NRA PIN
BIRTH CERTIFICATE IN CASE OF MINORS/JUNIOR/ JANAA
OTHER KYC DOCUMENTS AS PER MEMBERSHIP CATEGORY
WHY JOIN SACCO? BENEFITS?
SAVINGS ARE MOBILIZED LOCALLY AND RETURNED TO MEMBERS IN
THE FORM OF LOANS. THE MONEY STAYS AND WORKS WITHIN THE
MEMBERS.
UNLIKE OTHER PLACES WHERE INTEREST RATES MAY NOT BE
NEGOTIABLE AND ALREADY PRE - DETERMINED, SACCO INTEREST
RATES ARE SET BY THE MEMBERS THEMSELVES DEPENDING ON THE
CIRCUMSTANCES IN THE COMMUNITY THEY LIVE.
LOW INTEREST RATES THAT IS 1% P.M @ A REDUCING BALANCE.
SACCO EDUCATE THEIR MEMBERS IN FINANCIAL WELLNESS BY
TEACHING PRUDENT HANDLING OF MONEY, HOW TO KEEP TRACK
OF FINANCES AND HOW TO BUDGET.
WHY JOIN SACCO? BENEFITS?
SACCOS PAY DIVIDENDS ON SHARES TO THEIR MEMBERS ONCE THE SACCO
IS ESTABLISHED AND PROFITABLE. MEMBERS THEREFORE TAKE PRIDE IN
OWNING THEIR OWN SACCO.
SACCOS PERFORM A CRITICAL AND UNIQUE FUNCTION AS FINANCIAL
INTERMEDIARIES. THEY MOBILIZE SIGNIFICANT VOLUMES OF PERSONAL
SAVINGS AND CHANNEL THEM INTO SMALL LOANS FOR PRODUCTIVE AND
PROVIDENT PURPOSES AT THE COMMUNITY LEVEL.
EACH MEMBER OF A SACCO IS AN EQUAL OWNER OF THAT SACCO AND IS
ENTITLED TO ONE VOTE AT THE ANNUAL MEETING, REGARDLESS OF HOW
MUCH MONEY HE OR SHE HAS DEPOSITED IN THE SACCO
WHY JOIN SACCO? BENEFITS?
SACCOS PROMOTE A SOCIAL BOND AND UNITY AMONG MEMBERS IN THE
COMMUNITIES THEY LIVE.
ACCESS TO SHARIAH COMPLIANT BANKING SERVICES.
SACCO ENCOURAGE MEMBERS TO SAVE AS A WAY OF BUILDING A
RESOURCE BASE FOR CREDIT.
MONEY BORROWED TO MEMBERS IN A SACCO IS MONEY MOBILIZED BY
THEMSELVES FROM DIFFERENT SOURCES.
MEMBERSHIP ACCOUNTS REGISTRATION
REQUIREMENTS
ALPHA DEPOSIT – NON-WITHDRAWABLE SAVINGS ACCOUNT
WHICH IS ALSO MULTIPLIER ACCOUNT FOR LOANS.
SHARE CAPITAL- AMOUNT OF SHARES AVAILABLE.
ISLAMIC ALPHA ACCOUNT.
OUR PRODUCTS
SAVING PRODUCTS
JOINT MEMBERSHIP
INDIVIDUAL MEMBERSHIP
GROUP MEMBERSHIP
CORPORATE MEMBERSHIP
DIASPORA MEMBERSHIP
ISLAMIC FINANCE
VAAL (JUNIOR) ACCOUNT
IJAZAA (HOLIDAY) SAVINGS
CREDIT PRODUCTS
SHORT TERM PERSONAL/GROUP
LOAN PRODUCT
SALARY ADVANCE
EXPRESS LOANS
HOUSEHOLDS LOANS
MOBILE LOANS
PO LOANS
INVOICE LOANS.
CREDIT PRODUCTS
LONG TERM PERSONAL/GROUP
LOAN PRODUCT
NORMAL/DEVELOPMENT LOANS
SANDUK (CHAMA) LOANS
ARFA -ANA (WOMEN) LOANS
BUSINESS/ GROUPS/CORPORATE LOANS
AGRI-ZARAA LOANS
SCHOOL FEES
SALARY ADVANCE
BODA BODA LOANS
MOTOKA LOANS
NUUR (SOLAR) LOANS
ELECTO LOANS
TRAINIGS
UNITEUSSS SACCO DELEGATES &
MEMBERS TRAININGS.
SAVING, INVESTMENT AND BUSINESS SKILLS
PERSONAL GROWTH AND DEVELOPMENT
MANAGEMENT OF PERSONAL BORROWING
ENTREPRENEURSHIP
AGRI-BUSINESS
AGENCY BANKING
MOBILE MONEY
PRE-RETIREMENT TRAINING
CUSTOMER SERVICE
COMMUNICATION SKILLS
UNITEUSSS SACCO DELEGATES
& MEMBERS TRAININGS.
BOOK KEEPING
STRESS & BURNOUT MANAGEMENT
SUCCESSION PLANNING
RISKS AND COMPLIANCE
CYBER SECURITY
ACCOUNTING FOR NON ACCOUNTANTS
PERSONAL FINANCE MANAGEMENT (UNDERSTANDING
DOS & DON’TS OF FINANCE)
ORGANIZATION CHART
GENERAL
ASSEMBLY
SUPERVISORY
COMMITTEE BORD
PRESIDENT
VICE
PRESIDENT
EDUCATION SECRETARY TREASURER LOAN
COMMITEE COMMITTEE
AUDIT & EMPLOYEES
COMPLIANCE
PARTNERS
THANK YOU!
PHONE:
:+211926150128/+211911384317
EMAIL :
[email protected]
