Proprietary Models & Approaches
SILC (Savings & Internal Lending Communities)
COCOF transitioned communities from the traditional Akagega model to structured SILC groups, formalizing savings and providing a stepping stone to financial independence.
Guarantee Funds — SACCOs
Members access loans at a preferential 8% interest rate through SACCOs (Kaduha, Jyambere Kamonyi) — significantly down from the standard 24%.
24%
→8%
Guarantee Funds — CLECAM
Members secure a competitive 12% interest rate through CLECAM branches in Ejoheza Muhanga and Kamonyi, empowering them to invest in their enterprises.
Gender Action Learning System (GALS)
A cross-cutting approach transforming intra-household dynamics so women participate equally in managing resources and making strategic family decisions.
Muhanga Food Processing Industries
COCOF's own social enterprise, processing local soya and maize to create direct, profitable market linkages for our farmers.