Parish SACCOs at the Crossroads: PDM's Trillion-Shilling Test of RepaymentShs9 billion back from Shs3 trillion out: the uncomfortable arithmetic of PDM recoveryWendi's Shs240b question: can a SACCO wallet turn deposits into credit?Dry Spell Tests Ankole's Dairy Co-operatives as Milk Volumes CollapseBelow One Percent: Can Community Schemes and SACCOs Close Uganda's Health Insurance Gap?Parish SACCOs at the Crossroads: PDM's Trillion-Shilling Test of RepaymentShs9 billion back from Shs3 trillion out: the uncomfortable arithmetic of PDM recoveryWendi's Shs240b question: can a SACCO wallet turn deposits into credit?Dry Spell Tests Ankole's Dairy Co-operatives as Milk Volumes CollapseBelow One Percent: Can Community Schemes and SACCOs Close Uganda's Health Insurance Gap?

Opinion & AnalysisSubscribers

Shs9 billion back from Shs3 trillion out: the uncomfortable arithmetic of PDM recovery

By Kaza Research Desk

30 September 2026 · 4 min read

Nakasero Market, built in 1927, in Kampala — Much PDM money has flowed into trade and production; the Auditor General found some of it diverted to other uses. · Photo: Jim Joel / Wikimedia Commons, CC BY-SA 4.0

A revolving fund lives or dies by one figure: how much comes back. On that measure the Parish Development Model is in trouble. By the Auditor General's count, government had released Shs3.26 trillion to 10,589 parish SACCOs and Shs2.75 trillion had reached households by the end of the 2024/25 financial year. Yet of the beneficiaries who received money by December 2022 — the first cohort, whose 24-month grace period ran out in December 2024 — only 18,105 people in 709 SACCOs across 30 local governments had begun repaying voluntarily. Together they had returned about Shs9.34b.

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Sources & references

Is PDM shaping into another fine mess? — Daily Monitor, 2026-09-26
Museveni halts central bank directive on Sacco licensing — Daily Monitor, 2026-02-02
Govt disburses Shs529b PDM money to Saccos — Daily Monitor, 2025-11-19

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