WHAT WE OFFER

One Cooperative. Multiple Pathways.

Savings, ownership, education, land, and enterprise under one structure. Start with one pathway and grow into the others.

GROWTH PATHWAYS

Pick Where You Start

Every pathway is open to members in good standing. Tap any one of them for the full terms, fees, and how to get started.

Save monthly and earn interest at year-end as your money works within the community.

Own a stake in HMC. The more shares you hold, the greater your potential annual dividends.

Access land and property opportunities at attractive, member-only prices.

An education and future-planning savings pathway. Start from as little as UGX 50,000.

Business owners and entrepreneurs save and access capital to grow their enterprises.

After 3 months of consistent saving, qualify for low-rate loans of up to 3× your savings.

Choose a pathway, join the structure, and start moving from intention to ownership.