"Before the SACCO, my groundnuts went to middlemen for half price. Today I sell at full rate and borrow against my savings to pay school fees in time."
Akello Grace
Member · Loan Committee · Acholi
Apwoyo · welcome to NUTOFA SACCO
We till. We save.
We hire iron together.
NUTOFA SACCO is the cooperative that pools the savings of tractor owners, operators, mechanics, dealers and farmers across Karamoja, Acholi, Lango and West Nile — so mechanization arrives the moment the rains do.
2,400+
Active members
41
Farmer groups served
5,900+
Acres in 2024 pipeline
4
Sub-regions covered
The cooperative
A cooperative that began on the seat of a tractor.
The constitution was adopted in September 2018. The formal SACCO was registered on 17 February 2022, C/S No. 12109/RCS.
NUTOFA brings every actor in the mechanization value chain under one roof — tractor owners, operators, mechanics, dealers and the smallholder farmers who depend on them. Together we pool a small monthly discipline, lend back at three times what each member saves, and route every tractor booking through one transparent register.
Mission Hub · Lakang
10 acres · 5,900+ acres pipeline
Donated by a member in Amuru District — the cooperative's first regional mechanization hub.
Who we serve
Every actor in the mechanization chain.
Members elect each other to office. Members guarantee each other's loans. Members vote at the AGM, one head one vote. The cooperative is built — quite literally — by the people it serves.
Tractor Owners
Individuals and institutions owning ≥ 1 tractor. Coordinate hire, access spares, earn brokerage through the SACCO.
Operators
Trained drivers registered on the SACCO roster. Get steady work, refresher training, and union representation.
Mechanics
Workshop and field mechanics. Toolkits, jobs through the hub, refresher courses, and bulk-spares discounts.
Dealers & Suppliers
Equipment dealers, input suppliers, financiers, insurers — link with farmers through the hub for commission.
Farmers & Groups
Smallholders, VSLAs and cooperatives. Affordable tillage, post-harvest handling, fair credit terms.
What we do
Saving, credit and the iron behind the harvest.
Eight service lines, one cooperative. Every one of them is open to members at subsidised rates and to non-members at standard rates.
Tractor & Implement Hire
Land opening, ploughing, harrowing, ridging. Booked at the hub; dispatched on SACCO-vetted iron with certified operators.
Tractor Sales & Asset Finance
Brokered tractor and implement purchase through vetted dealers, with structured supplier financing for paid-up members.
Mechanization Training
Operator certification, mechanic refresher cycles, and tractor business management for fleet owners.
Saving & Credit
Compulsory and voluntary savings. Five loan products with a 3× ceiling rule. Asset accepted as collateral.
Field Inspection & Land Clearance
Pre-tillage site assessment, soil checks, supervised clearance for new acreage.
Threshing, Drying & Storage
Post-harvest handling at the hub — so the price isn't stolen by the weather.
Genuine Spares Supply
Direct linkage to authorised dealers. No grey-market parts. No absent after-sales support.
Farmer Group Linkage
A network of 41 farmer groups and VSLAs ready for projects, supply contracts and training.
Strategic plan · 2024–2028
Four regional hubs. Twelve sub-hubs.
One regional Mechanization Hub in each sub-region — Acholi (Gulu), Lango (Lira), Karamoja (Moroto), West Nile (Arua) — serving a 100 km radius. Twelve satellite sub-hubs at high-demand sub-counties, each within 15 km of the farmer.
See the hub modelHeadquartered
Acholi
Gulu (HQ) · Kitgum · Pader · Lamwo · Amuru · Nwoya · Agago
Planned
Lango
Lira · Apac · Oyam · Dokolo · Kole · Alebtong · Otuke
Planned
Karamoja
Moroto · Kotido · Kaabong · Napak · Amudat · Nakapiripirit
Planned
West Nile
Arua · Nebbi · Yumbe · Adjumani · Moyo · Pakwach · Maracha
Loans & savings
Borrow against what you save.
Every loan is exclusive to paid-up members and ceilinged at three times your standing savings. Asset accepted as collateral. Free financial advice as a matter of cooperative duty.
Product Term Who it's for Purpose
Mechanization Loan
3–9 months
Tractor owners · mechanics
Tractor purchase, implement repair, fuel, operating cash
Agricultural Loan
5 months (4-mo grace)
Smallholder farmers
Working capital, timed to planting and harvest
Emergency Loan
≤ 30 days
All paid-up members
Medical · school fees · harvest cash bridge
Asset Financing
Per asset
Tractor & implement buyers
Structured supplier financing with vetted dealers
Welfare Loan
1–3 months
Members in good standing
Bereavement · sickness · family emergencies
Member voices
Hear from the cooperative.
"A cooperative cannot be neutral on what holds its members back. We hold each other's savings, vouch for each other's loans, and book each other's tractors."
Doris J. Komakech
Vice-Chairperson · Lango
"Five thousand nine hundred acres are already in the 2024 pipeline. Two tractors and full implement bundles, sized to UGX 600 M, projecting UGX 740 M revenue."
Bongomin Samuel
Manager · Secretariat
From the cooperative
Dispatches, AGMs, & hub news.
In partnership with
A network that stands behind every member.
USAID · Feed the Future
GIZ · Farm Africa
MercyCorps
Tulima Solar
The Hunger Project
Stanbic Bank Uganda
Pearl Bank
FlexiPay
MAAIF · Ministry of Trade
Okeba Uganda Ltd
Apo Seeds Ltd
Bode Farm Investments
Apwoyo · welcome
Walk in with UGX 20,000.
Walk out with a cooperative.
Membership is open to any adult eighteen and above, resident or operating in our area of jurisdiction. Bring an ID, two photos, and the will to save twenty thousand shillings a month. The rest, the cooperative figures out together.
FlexiPay *291# · 239422 · Stanbic Bank · 9030020097379 · Reg. P.21023/RCS
