Namuddu Carol, the group chairperson

My name is Namuddu Carol, and I have the honour of leading Tusubira Women’s Group, a name that symbolises the hope we carry as women working together like a family in Kasubi Market. In just two months since our formation, we have already made remarkable progress. We are currently finalizing our bylaws as part of our registration process, laying a strong foundation for our future.

Our group has grown to 45 members, each joining by contributing a membership fee of UGX 10,000, and we aspire to reach over 60 members soon. Every Monday at 11 a.m., we come together not only to save but also to contribute a welfare fee of UGX 1,000 per meeting. In this short time, we are proud to have saved approximately UGX 2,000,000 which is a true testament to our commitment and financial discipline as women.

One of the most impactful developments for us has been the adult literacy classes introduced by the Institute for Social Transformation (IST). Many of our members, who previously struggled with basic literacy, can now write numbers, construct simple sentences, and even read signposts. The training didn’t stop at literacy; we also learned essential business management skills.  These included how to improve product quality, maintain sanitation at our stalls, enhance customer care, and most importantly, keeping proper records.

However, as with any new initiative, we face challenges. Some women struggle to attend meetings consistently, as they are not yet fully convinced of the importance of collective action. Additionally, not all members share the same level of commitment, which sometimes leads to misunderstandings and disrespect.

Looking ahead, we have several recommendations for IST and our partners at KHF. We hope for continued adult literacy classes, with additional lessons in English and technology—especially computer and smartphone usage. Beyond saving, we need skilling programs that can empower us to generate additional income, which will not only improve our livelihoods but also boost our group’s financial stability. Moreover, we request more health-focused trainings and medical camps tailored for women and youth in the market.

Our vision is clear: to strengthen our group, expand our lending portfolio, and create opportunities that uplift every member. One of our ideas is to venture into bookmaking, which could serve as both a business and a learning tool for women in Tusubira Women’s Group.

Building a Stronger Foundation – A Secretary’s Perspective

Latifah Nakagwe, Group and Market Secretary

Being part of the early formation of this group has been an eye-opening experience. While we now have more than 38 members, a key challenge I’ve observed is that many women were accustomed to government handouts and expected quick financial support from the group. Adjusting to a savings culture has been a slow but steady process.

Additionally, most of these women bear heavy financial responsibilities with minimal capital. Imagine a woman selling onions with just UGX 1,0000 as capital. How can she consistently save while also paying rent, feeding her children, and covering market dues? This reality makes loan repayments difficult, with some members taking an entire year to pay back UGX 200,000 despite working daily. More empowerment programs are necessary to uplift their financial situations.

Despite these hurdles, there is hope. The training they have received is making a difference, and more women are beginning to see the value of saving. Today, the group has over UGX 3,000,000 in savings—a clear sign that change is happening.

To further strengthen the group, I recommend that IST supports them in drafting their regulations as they prepare for official registration. Additionally, considering that most members are single mothers with growing financial pressures, finding sponsors who can offer half bursaries for their children’s education would be life-changing. Lastly, as we plan for another round of adult literacy classes, we need a thorough needs assessment to place women at the right learning levels, ensuring everyone benefits fully.

Moving Forward with Determination

Tusubira Women’s Group is an inspiration of resilience and ambition in Kasubi Market. With the right support, training, and resources, these women have the potential to transform their lives and communities. Their journey has just begun, and with continued mentorship and empowerment, their dreams of financial independence and sustainable livelihoods will soon become a reality.