Agriculture Loan
Why Choose the Agriculture Loan?
Agriculture is the backbone of Uganda’s economy and the main livelihood for most of our members. However, many farmers struggle with limited capital for seeds, fertilizers, equipment, or livestock. Kinoni SACCO’s Agriculture Loan is tailored to meet these needs. Unlike generic loans, this product is specifically structured around farming cycles, ensuring repayment only after harvests when income is available. It is designed with the realities of farming in mind.
Benefits to You
- Access to inputs: Finance quality seeds, fertilizers, pesticides, and tools.
- Improved yields: With timely access to capital, you can increase production and profitability.
- Harvest-based repayment: Repayment schedules are designed to align with your harvest and sales, reducing financial stress.
- Affordable terms: Low interest rates and flexible conditions make it easier for farmers to grow sustainably.
- Empowerment: By supporting farmers, this loan helps strengthen food security and community development.
How to Apply
- Become a registered member of Kinoni SACCO.
- Prepare the necessary requirements (National ID, passport photos, entry fees, and minimum savings balance).
- Visit your nearest branch — Kinoni, Rugando, Rugazi, Mugarutsya, Kakindo, or Mbarara — and request an Agriculture Loan form.
- Provide details of your farming activity, estimated expenses, and repayment plan.
- Once reviewed, your loan will be processed and disbursed quickly to help you prepare in time for planting or other farming activities.
Conclusion
The Agriculture Loan is more than just credit — it is a tool for growth. It enables farmers to access the resources they need to increase production, reduce risks, and secure better incomes for their families. With Kinoni SACCO as a partner, farmers don’t just survive — they prosper.