01
Save with a purpose
Name your goal, set a timeframe and choose an affordable amount. Separate near-term needs from longer-term ambitions.
Calculate your goal
SHARED PROGRESS
Make today count.
Grow tomorrow.
Saving, farming, enterprise and livelihoods: connect your ambitions with Rwanda’s progress.
On this page
NST2 · 2024–2029
National progress
starts in our communities.
NST2 prioritises domestic saving and investment, productive agriculture, jobs and sustainable progress. It targets national savings of 25.9% of GDP by 2029. This is a national objective, not a SACCO interest rate or promised return.
Read the NST2 strategyPRACTICAL STEPS FOR MEMBERS
Six ways to prepare for progress.
These practical ideas connect Ruhango’s context with national priorities and help you prepare a conversation with the SACCO. They are not financing offers or a statement of KUNGAHARA’s board-approved strategy.
02
Plan around the harvest
For cassava and other crops, record input, labour and transport costs. Plan the expected selling period and discuss that timing when asking about finance.
Farming, livestock and local trade shape everyday life in Ruhango. Planning when income arrives and how it will be used helps connect household priorities with business ambitions.
Cassava, beans, maize, rice and coffee.
Prepare a farming enquiry03
Add value and create livelihoods
Plan how processing, packaging or getting produce to market can add value. In trading and craft businesses, separate household spending from working capital.
Explore business preparation04
Include women, young people and groups
Start with a practical goal and useful skills. In a group, agree on contributions, representatives and records everyone can understand.
Explore group preparation05
Prepare for uncertainty
Prices, weather and payment timing can change. Include uncertainty in your budget, ask about available risk protection and avoid relying on unconfirmed returns.
Explore money guides06
Use technology with confidence
Keep receipts and clear records. Verify SACCO channels before use and keep PINs and one-time codes private. Ask questions and participate in cooperative decisions.
Read safety guidanceKINAZI · RUHANGO
The value of a harvest goes beyond the field.
A Ruhango District report dated 26 May 2026 describes Kinazi Cassava Plant’s role in farming and cassava processing. This local context highlights the value of planning production, markets and working capital together. It does not establish a partnership between the plant and KUNGAHARA.
Read the district reportRUHANGO · FIELDS, MARKETS AND FAMILIES
A plan for the way you earn.
Choose your activity and see what to record before speaking with the SACCO.
Download the project worksheetA worksheet to complete on your device or on paper.
For farming and livestock+
Before you begin
List the costs of seed or livestock, feed, fertiliser, labour and transport. Plan when you expect to sell.
When produce is sold
Record the quantity sold, all costs and when payment arrives. Total sales are not the same as profit.
Plan the next cycle
Separate household costs, debt repayments and money for the next cycle. Allow for changes in prices or production.
For trade and crafts+
Keep daily records
Record sales, purchases and unpaid amounts. Check cash on hand and remaining stock.
Know the real cost
Include materials, transport, rent and other charges in your costs. Keep household and business money separate.
Plan working capital
Compare when suppliers need payment with when customers pay you. Prepare a budget before asking about a loan.
For a group or savings circle+
Agree in writing
Record the goal, contribution, payment dates and how decisions are made. Make sure every member understands.
Review together
Match contribution records with the money held. Representatives should explain each payment and the decision authorising it.
Ask about a suitable service
Ask the SACCO about group account requirements, authorised signatories and how to change them.
YOUR NEXT STEP