NJOVU SACCO

24/05/2020

*OBUBAKA BWA EID OKUVA MU NJOVU SACCO*

*Abayisiraamu* mwenna tubakulisa ekisiibo era twegatira wamu okwebazza *ALLAH* olw'okubasobozesa okutuuka ku EID newankubadde tuli mu kiseera ekyokusomozza naddala olw'ekirwadde ekya COVID=19.

_Kyakusalirwa nnyo nti tetusobodde kujaguzza EID nga tuli wamu kitole_ kwossa n'okugenda mu MIZIKITI okusaala wabula tulina essuubi n'okukirizza nti ALLAH embeera ajakugizza mu nteeko tusobole okudamu okutambuza obulamu bwaffe obulungi nga bulijjo.

*Tusaba* byonna byemusabye ne byemwetaaga ALLAH abitekeeko omukiisa bitukirire bulungi era abongele obuvumu okuvvunuka embera ezengeli yonna ezibasomooza.

Twebazza buli kin'ommu asobodde okudukirira abantu abali mu bwetaavu; temujja nga okwo.
Tusaba ALLAH abadizeewo era abawe kyemusinga okwagala.

*Njovu Bank/Sacco* ebagalizza EID ennungi era mbazaamu amannyi n'esuubi nti enno embera eya COVID=19 ALLAH agenda gisangulaawo nga tuyita mukuwola abantu baffe Ku magoba/interests amatono ddala, tusobole okudamu okukola emirimu gyaffe.

NB.
*Tukubiriza bazukulu ba mukalo* okugula *emigabo/Shares* mu Bank yaffe eno Ku *shs 50k* era tukubiriza buli muntu yenna awatali kwawula mu kika, ddini, ggwanga oba Ekikula, *_Okutereka/Saving n'okwewola/Loan, n'okwettaniira Enkola yaffe eya Munnomukabi._*

*_Ayi Jjajjaffe mukalo wangaliira Ku ntebe yabajjajjabo ngolamula!!!_*
*Wangala Ayi Sabasajja Kabaka*

*Emma Sms*
***Gen.secretary*0778-714-850**
*NJOVU BANK/SACCO - KANSANGA OFFICES*

_Ba customers bonna bakkirizibwa okuva mu bika mawanga, maddini agenjawulo. None discriminative sacco._

09/05/2020

SSEKABAKA MUKAABYA WALUGEMBE MUTEESA I ( 1854 - 1884 )
ONO YALI AZALIIBWA OMUKYALA OW'ENJOVU.

Ssekabaka Mukaabya Walugembe Muteesa l , ye Kabaka wa Buganda ow'amakumi asatu mu luse lwa Kabaka Kintu . Ssekabaka Muteesa l yazaalibwa mu lubiri lwa kitaawe olwayitibwanga Batandabeezaala e Mulago . Ono mutabani wa Ssekabaka Ssuuna ll nga maama we yali Omuzaana Muganzirwazza . Yatuula ku Nnamulondo mu mwaka gwa 1854 n'afuga okutuuka mu mwaka gwa 1884. Yalina ba Lubuga babiri ; Baliraala ne Muggale . Omulongowe yali Bakumba ate ejjembe lye yalituuma Manyonyi .

Ssekabaka Mukaabya Walugembe Muteesa l yalina ba Katikkiro bataano ; Kayiira eyali yeddira e Mbogo , Kisomose nga yali wa Mmamba , Mayanja nga yali wa Nkima , Mulere nga yali wa Njovu ne Mukasa eyali yeddira Omusu .

Ssekabaka Mukaabya Walugembe Muteesa l yalina abakyala abawerako era bano beebamu kubbo ; Abisaagi Baagalayaze nga yali wa Ng'onge , Gwomujjidde Kabejja Kalingennyana nga yali wa Mbogo , Kiribakka nga yali wa Mmamba , Nnaabagereka Kaddulubaale nga yali wa Nvubu , Ndibuwaakaani nga yali wa Mmamba , Namakula nga yali wa Lugave n'abalala .

Ssekabaka Mukaabya Walugembe Muteesa l agambibwa okuba nga yaleka Abalangira n'Abambejja abawerera ddala 98 . Bano beebu kubbo ; Daniel Basammula Mwanga , Omulangira Kiweewa Mutebi , Kimera , Omumbejja Nandawula , Omulangira Kalema , Kayondo , Omumbejja Muggale , Nassolo , Omumbejja Nakalema , Omumbejja Nalumansi , Omumbejja Nalumansi , Ombembejja Nakamanya , Omumbejja Mpologoma n'abalala .

Ssekabaka Mukaabya Walugembe Muteesa l yabeeranga Kasubi mu Kyaggwe ebiseera bye ebisinga obungi bweyali avubuka . Nga atudde ku Nnamulondo , Ssekabaka Mukaabya Walugembe Muteesa l yasooka n'akuba ekibuga kye ku lusozi Bbanda , wabula eno yavaayo oluvannyuma , n'akuba ebibuga ebirala ebiwerako nga ; e Nakatema , Nabbingo , Kabojja ne Kasubi Nabulagala .
Okusinziira ku byafaayo , kigambibwa nti Ssekabaka suuna ll yali asiimye Mulangira Kajumba yaaba amuddira mu bigere . Wabula , abatongole n'abaami ba Kabaka abalala nga bakulemberwamu Katikkiro Kayiira , baatya Omulangira Kajumba Olw'obukambwe bweyalina era baalaba nga yali tajja ku salika mu maaso . Wano webaava nebakkirizisa Kabaka n'alonda Muteesa l .

Obukulembeze bwa Ssekabaka Mukaabya Walugembe Muteesa l bwalimu ebisoomoozo bingi naddala nga biva ku ba Cceeruppe abaali bayaayaana okuyingirira ssemasi Africa .
Ssekabaka yasooka kusisinkana na Bawalabu ( Arabs ) abasuubuzi abajja mu kyasa Kya 16th n'ekye 17th . Bano , bayingirira amawanga ga Africa nga basuubula Amasanga , Zaabu n'Abaddu bebatwalanga okubalimira mu ssamba zaabwe ez'amajaani , ebikajjo ko n' okubakozesa ng'Abaddu mu bifo eby'enjawulo . Bano baabakung'anyiza mu bifo nga Zanzibar , Pemba , Bagamoyo , Ujiji , n'ebitundu ebirala ku lubalama lwa Ssemayanja Indian ocean . Mubiseera ebyo , ssente ezempapula oba ebinusu byali tebiriiwo . Mukuwanyisiganya , Abawalabu baawangayo Mbira , eby'Okulwanyisa , endabirwamu , n'ebirala bingi . Ssekabaka Muteesa l ajjukirwannyo ng'omu eyagaana okutunda abantube eri abagwiira abaali babayisa ng'ensolo .

Ssekabaka Muteesa l yayagala nnyo okumanya okusukka ensiiye Buganda . Wano weyanonyeza ekibinja Kya ba Cceeruppe ekirala nga alina essuubi nti ob'olyaawo , bano bayinza okubaako enkulaakulana gyebagatta ku nsiiye Buganda ko n'abantube .
Mukunonyereza kuno mweyasisinkanira ba Cceeruppe bannaddiini aba Eauropean Missionary Explorers abaali bakulembera M. Stanley nga kigambibwa nti ono yali ku mulimu gwakuzuula nsibuko ya mugga Nile . Ng'enkola bweyali , Ono yatwalibwa era nayanjulirwa Muteesa nebateeseganya ku bintu bingi ddala era nekitandikawo enkolagana Wakati wa Buganda ne Bungereza . Kino kyanafuya nnyo kyenkana nakugobera ddala Bawalabu olwo , Ssekabaka Mukaabya Walugembe Muteesa l n'atandika kukolagana nabanna ddiini bano .

Ssekabaka Mukaabya ajjukirwannyo olwokuba omukambwe ennyo nnaddala emyaka ejaasooka . Naye olwokuwanjaga kw'abantu , yakyuusaamu mu nkola ye eyeebintu era n'atandika okuyita mu kuteesanga .
Ssekabaka Muteesa l ajjukirwa nnyo era alisigala mu bitabo olubeerera nga Kabaka eyawandiikira abazungu ng'abayita okujja basomese ensiiye okusa n'okuwandiika . Era Wano n'eddiini engwira weyatandikira oluvannyuma n'ebuna ebitundu ebirala Kati eyitibwa Uganda eyaawamu .

Ssekabaka Muteesa , nga ali wamu ne basajjabe nga Katikkiro Kayiira , baakola ebintu bingi nnyo ebyazimba Buganda empya okugituusa ku mulembe kwetambulira leero .

Mumwaka gwa 1884 , Ssekabaka Muteesa l yakisa omukono e Nabulagala Kasubi era n'aterekebwa mu Masiro ge Nabulagala Kasubi mu Ssaza lye Kyaddondo .



Wammanga , ekifaananyi Kya Ssekabaka Mukaabya Walugembe Muteesa l .

30/04/2020

Why Every Njovu member and NONE NJOVU Needs to Joint NJOVU SACCO.

I joined the NJovu SACCO less than a year ago to be exact on July 2019. But I have only regretted joining it late. I strongly feel every Business Oriented Person should belong to the Njovu SACCO.

*The direct benefits include:*

1. The loans are cheaper at 5%.
No bank in Africa offers such amazing interest.

Bedsides you share the interest at the end of the Financial year as dividends on shares and interest on savings.

2. Financial Literacy: They do periodic financial education for members that improves your decision making. This definitely improves your financial health.

3. SACCO brings fellow Brothers/Sisters and friends cooperators (serious Business oriented members) together that improves our networking which is social capital.

4. Build and strengthens your saving spirit. I learnt that 8 out of 10 persons in the World find saving very difficult. Trying to be among the few 20% who have no problem with saving requires practice which the sacco offers opportunity to.
In USA about 70% of the population have no saving in accounts. In Uganda am told it is 90% who have no saving and among the 10% of population who have savings in banks the average person has 3million Ugx.

5. Joint Asset acquisition like land is yet another huge benefit from the sacco.
Basically all issues of our Njovu welfare depends so much on the SACCO.

6-In the future the tax free vehicles we want govt to offer, building materials tax exemption and other import tax waivers is only easily implemented through SACCO.

I think everyone has a reason to join sacco even if you are not going to borrow loan, you end up saving money that your younger colleague may borrow cheaply. By this you would have contributed so much in reducing unemployment not only among Njovu but also other members since its a none discriminate SACCO.

*Winfrey Nassanga Based In Saudi Arabia*
NJOVU INTERNATIONAL COORDINATOR.

30/04/2020

Its not all about of being a SACCO but being A and A SACCO by the Ministry of Trade, Commerce and in Uganda.

IN- TWEGATE

21/04/2020

for life Sacco & Corporates.

us and feel the power, strength and unity.

Let's execute Business & Investments.

28/03/2020

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28/03/2020

TO BORROW, SAVE, INVEST FROM A SACCO OR BANKS,

*_KANSANGA-NJOVU SACCO,_*

The borrowing costs from Banks today are too high. So, try borrowing from a SACCO instead of a bank.

SOLUTION

KANSANGA-NJOVU SACCO is becoming more common by the day,Is now a fully registered by the Ministry of Cooperatives and authorized to take deposits from and lend to its members.
SACCO members borrow from within their savings limits.
Loans are *advanced up to 2 times(even 3)* your savings, provided a few other members give security in form of guarantee.
This is why most people join Us as a group of Brotherhoods, friends and business partners:
_To provide security guarantees for each other as and when the need arises._
The SACCO has various loan products for different purposes. For instance;
*_Emergency loans_* (processed within a day),
*_School fees loans_*
and even
*_Development loans_* (as is your case).
Third,
*_The interest rates for SACCO loans_* rarely change and are much lower *than* the bank interest rates.

SACCO rates can't go beyond 12% with slim chances of revision while banks go higher than 18% depending on the Bank rates.
As much as what you borrow ideally includes your savings _(a second or even third; where you borrow 2 or 3 times your savings_ ), *the savings still accumulate interest* . In effect you will end up having incurring a much lower cost.
For the development conscious.
The SACCO usually engage in activities that are very beneficial to their members.
*For instance* , they may buy a large tract of land and sell it at a bargain price to members who can either speculate and resell or develop it.

Now, Banks on other hand usually have high borrowing rates that are constantly being revised, as noted above. They *have limits of borrowing and security issues* through which people end up loosing their monies and even assets after borrowing loans. Unless you are a reputable company, with staggering cash flows and profits, accessing funds from banks becomes a nightmare and almost impossible.

I do not need to highlight the fact that during advertisements, *banks paint a very different picture* that makes anybody want to subscribe to some car loan, building loan and other products secured on one’s salaries but after analysis, your friend would be right.
Join a SACCO, contribute faithfully for about six months *(the more you contribute, the more you will be able to access in loans at the end of the day)* , and you will qualify to start building your foundation.
An underlying fact is that whatever you need to borrow *should be a good idea enough to pay off the loan and leave something for you* . What I mean is, make sure it is a viable business idea.

In other words join us for the best financial results of your family

*_KANSANGA NJOVU SACCO* ._ The financial clinic u need.

23/03/2020

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Deep shallow water

23/03/2020

*NJOVU SACCO YO FINANCIAL SOLUTION*
*_WORK, EARN, SAVE, INVEST AND HARVEST WITJ US_*

TUKUBIRIZA OKWEKUUMA NOKWEGENDEREZA BINO WAMMANGA EBITULAGIRWA MINISTRY YEBYOBULAMU OKWEWALA EKIRWADDE EKYAZINZE ENSI YONNA EKYA *COVID19* ,

TUGOBERERE BINO WAMMANGA.

WEWALE AWALI ABANTU ABANGI OKUJJAKO NGOTEEKEDDWA.

NAABA ENGALO ZO BULUNGI DDALA AWAMU NOKUKOZESA AKALAGALA (SANITIZER).

TEMUKWATAGANA MU NGALO.

YAMBALA MASK KU MIMWA.

TOSEMBERERA BANTU KUMPI ERA BWOBA NGA AKIKOLA WAKIRI WEEWE DISTANCE YA METRE EMU.

LYA NNYO EBIBALA NADDALA ENNIMU, OKUSOBOLA OKUKUUMA OMUBIRI NGA MULAMU NOKUTANGIRA ENDWADDE.

BWOBA TEWEWULIRA BULUNGI, TOVA WAKA KUBA ESSIMU ZINO NGA TEWALI NSONGA YANKIZO.
WEWAALE OKUNYWA NOKULYA EBINTU EBINYYOGOGA.

🤝🏼🤝🏼NOKWEWALA OKUKWATA KU MUMWA,am MUMAASO,NE MUNYIDO.

DRINK LOTS OF WATER AT LEAST 3 LITRES ADAY.

PREVETION IS BETTER THAN CURE.

FUNA OBUYAMBI NGA OLINA EMBEERA GYEWEKENGEDDE.

0800203033
0800100066

*Njovu Sacco @2020, Obulamu kikulu eri anagaggawala*

*_WORK, EARN, SAVE, INVEST AND HARVEST WITJ US_*

23/03/2020

Our objectives.

To promote thrift among its members by affording them an opportunity for accumulating their savings and deposits and create thereby a source of funds from which loans can be given to them exclusively for provident and productive purposes, at fair and reasonable rates of interest; thereby enabling them to use and control their money for their mutual benefit.

To ensure personal growth through the introduction of new products and services that will promote the economic base of the members.

To ensure progress of members and society through continuous education programs on proper use of credit, reduction of poverty, human dignity and co-operation.

To apply the co-operative principle of co-operation among co-operatives in order to promote members’ interests. In furtherance to the objects the society shall affiliate to the relevant National Co-operative Union and the Apex society.

For the attainment of the above objects,

Njovu Sacco society acts things that are permissible under the Act, rules and these By- laws including but not limited to acquire property and chattels and doing all such other things as are incidental or consequential to the economic enhancement of its members interests provided such act is approved by the members in a general meeting.

Remember it a none discriminative financial institution open to all

23/03/2020

23/03/2020

We Partner With You Across world To Achieve Business Growth And Ongoing Success. Let Us Help You With The Right Solution For Your Transactional Needs.
Work , Earn, Save , Invest And Harvest With Us!