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Projects > Uganda_CWM:Sep12-Jun19&Nov19-today

The Ugandan Catholic Workers Movement (CWM), a country-wide-wide operating social & church association has been founded in 1995 in the diocese Masaka and is now active in 12 out of the 19 dioceses. Each CWM member belongs to one Base Group on primary level. These groups are supported through voluntary Diocesan Executive Committees (DEXCOs) on secondary level and a voluntary National Executive Committee (NEXCO) on tertiary level. Since 2013 between 10 -20 members within one Base Group each can form a Catholic Workers Raiffeisen-Savings & Loan Association (CW R-SLA) once a CW-Trainer is available.

The members save bi-weekly and take or repay loans every four weeks from the savings plus retained earnings

fund following strict rules as in Village SLAs (www.vsla.net). The original VSLA methodology has been slightly adjusted and enhanced with the following fundamental principles. A county-wide three-level federation of CW R-SLAs featuring:

  • Monitoring and monthly internal audit procedures on all three levels with financial statements and performance indicators
  • Business financial-planning for each loan request
  • Linkage Banking with Centenary Bank Uganda
  • Measurable services paid for by the groups
  • Regional trainings of CW R-trainers and auditors within the federation

The federation is built in analogy to the DGRV-German Cooperative and Raiffeisen Confederation

Monitoring of 1st generation of trainers

Training of 1st generation of Analysts = Auditors


           I.   The deputy record-keeper copies the entries from each passbook and the notebook into the group savings- & loan ledgers, see section Recent Developments below regarding digital group ledgers with automated audit features and financial statements applied directly on-side

         II.   The ledgers are sent to the regional R-SLA Support Team after each loan meeting

        Any financial or operational errors are detected by the regional Analysis- & Audit Tool

        Groups are informed by phone in case of mistakes

        The resulting financial statements & performance indicators are shared with the group

        Monthly regional reports are established with the regional aggregation tool

       III.   All regional A&A tools are sent to the national R-SLA coordinator

         Aggregation across all regions takes place within the national Analysis & Audit Tool

         The national performance report and its analysis is shared across the R-SLA federation



Excerpts from the national financial performance report displaying some key indicators from six regions



A CW-SLA member presents his costs-income projections to receive a loan for his new business idea. All others reflect together, if the individual assumptions are realistic and if so approve the loan.

Pilot training: All costs and in particular the income are estimated in the cost-income template of the financial projections tool which is based on unit pricing.


The trainer teaches the group how to quantify each item needed for a new/enhanced business. The group internalizes the concepts through continuous application of the tool to each loan request. This self-learning process will empower people at the grass root in financial and business affairs.





The autonomous self-monitoring system is now also digitised at the primary level through group ledgers that run on membersí own smartphones. This enables groups where at least one member has a smartphone to have their manual records checked by the fully automated audit functions and to study the resulting financial statements and performance indicators. In case of differences between the manual and digital records, the group can make corrections on the spot and then forward these error-free ledgers to the regional office.

Digital savings ledger template


The savings ledger -, loan ledger - and share-out template, see below, enable the group to self-audit their records and to carry out the share-out at the end of the cycle without difficulty as well as to easily transfer all records to the regional office

       All white cells are calculated by the tool

       All user cells appearing in red instead of gold indicate a mistake.

       Cell comments suggest how to possibly resolve the respective error


Digital loan ledger template


Digital share-out template


Time series of monthly financial statements & performance indicators


Two-fold remote monitoring on regional level

1.     The regional support team checks if all financial and operational mistakes have been resolved

2.     The team also studies the time series of monthly performance indicators over one cycle and more to advise the group beyond the basic operations