Fund verified savings groups across Uganda. Your capital reaches groups vetted by our field team and backed by their own savings. Better returns than unit trusts, backed by 97.2% on-time repayment over the last 15 months.
Pick your investment amount (minimum UGX 1,000,000) and duration (3 to 24 months). The calculator below shows your projected returns.
Your capital reaches savings groups verified by our field agents. Each group has a track record, a designated leader, and their own savings backing the loan.
Groups repay with interest. You see every repayment land in your portfolio. We pay out to your account on the agreed schedule.
Compare what your money does in a unit trust, a government bond, and a SocialPay investment. Same UGX 1,000,000 over 12 months.
| Unit trust | Gov bond | SocialPayOur pick | |
|---|---|---|---|
| Annual return | 12% | 16% | 24% |
| Payout (UGX 1M) | UGX 120,000 / yr | UGX 160,000 / yr | UGX 240,000 / yr |
| Minimum | UGX 50K | UGX 100K | UGX 1M |
| Cadence | At maturity | Twice yearly | Monthly |
| Term | Open-ended | 2–10 years | 3–24 months |
| Backed by | Pooled fund | Govt of Uganda | Group savings + social bonds |
| Regulated | CMA | BoU | UMRA |
Payout figures show annual interest only on UGX 1,000,000 principal; principal is returned at term. Unit trust rates from Capital Markets Authority of Uganda CIS bulletins; government bond rates from Bank of Uganda primary issuance (minimum UGX 100,000 per bond). SocialPay figure is the target rate across the vetted-group portfolio, net of fees.
Funding 100+ verified groups across Kampala, Jinja, Mbale, Wakiso, and Kayunga. Each group is field-visited by our team before any capital is deployed. Three examples from the network — not the best, the typical.
Two field visits, 18 months of group savings history reviewed, references from local microfinance officer.
Cross-verified with 3 group members individually, 24 months of group ledger reviewed, all member savings accounts in good standing.
Field agent embedded with group for 2 weeks during planting season, harvest yield projections cross-checked with local agricultural officer.
Projected return based on a target 24% annual rate across the vetted-group portfolio. Final returns depend on borrower performance and may vary by group and term.
Target 24% annual. Calculator output excludes any fees.
Three-minute application. We'll review and follow up personally within a week.