Help! How do I revive my dying project of housing for 30 families?

By Joachim Buwembo

…possibly, the only person Ugandans despise more than a pedophile is a male aged above forty who doesn’t own his shelter…

Fellow Ugandans!

Let me share my ongoing painful experience that started with a lot of hope six years ago when I decided to organize 30 residents mostly in Kampala’s Nakawa Division to build a modern housing estate on cooperative basis.

In 2017 after 25 years of practicing journalism in different countries and capacities, I believed I was done with formal employment and when I saw an opportunity to serve humanity while enjoying it at the same time, I went for it. As a consultant helping to develop content for the youthful Urban TV then, I had commissioned and directed a series on the fate of the cooperative movement in Uganda. It wasn’t very exciting for the young Urban audience but it was so deep and insightful that the parent company’s newspaper, The New Vision, adopted it for print and it caught the attention of some interested stakeholders.

One morning, a beautiful young lady of small build turned up at the New Vision reception asking for me. She looked really young and I mentally started dismissing her thinking she wanted an opportunity to appear on TV as a presenter of some social programme (there are always so many of those). But Miss Petite turned out to be the general manager of the only cooperative union our series hadn’t touched and the reason was simple: Just like its GM, the Uganda Housing Cooperative Union was too young to have existed during the period under review of our series when the cooperative unions (umbrellas of primary cooperative societies) were mostly about agriculture.

For the next two hours, I set aside my schedule and listened attentively as Fiona – that is her name – introduced me to the concept of housing development on cooperative basis. By the time I saw her off, I had already decided what I was going to do besides supporting the union with publicity: organize people to build quality houses affordably.

I already had a relatively nice house myself and was trying to figure out how to protect or dispose of another one I had built for my then freshly deceased mum, but I knew of so many people working at steady jobs who did not own their homes.

Fiona had promised to take me on a tour of an estate (she soon did) built by a cooperative of poor urban women who were living with a lifelong health condition, of course under guidance of her union.

I decided there and then to organize people and help them build a modern estate on cooperative basis. Apparently I was a Rotarian at heart five years before joining Rotary. I needed to help people, because all Ugandan cultures equate maturity to ownership of one’s shelter. The natives of Kyadondo say akezimbira tekaba kato (one who builds for himself is not young) and possibly, the only person Ugandans despise more than a pedophile is a male aged above 40 who doesn’t own his shelter.

The preparation took about three months. First Fiona’s team came and started training the people I mobilized who included some civil servants, ‘corporates’ business people of medium to small scale. At the end, everyone knew fundamental and principles of cooperatives, and the basic laws governing them in Uganda.

We ended up with about 50 willing members. To register, we needed at least 30 members with national IDs and these readily signed up. We agreed to pay annual subscription of Shs20,000 each for administration and a monthly Shs200,000 per member for the actual project. Members seemed excited especially when working out different scenarios with numbers, it was clear that building a smart, modern house would cost much less when done with economies of scale in a group that would be buying materials from the factory, shared utilities and facilities like sewerage, recreation areas and roads, while the union was providing technical assistance with architecture, civil engineering supervision and accounts.

One year later, the group had raised enough cash to buy four acres complete with a title, some 30km from the city on one of the highways. But for years after, it is still just that – a piece of land. What happened? Or what did not happen?

The first sign of trouble sounded like a joke: “But when will ‘they’ come and help us?” someone asked at a meeting. “They” must have meant either government or some donor organization.

In meetings, some members started mentioning government programmes like operation wealth creation, which the group should try and benefit from. Then contributions started dwindling and by the time the land was bought, only half of the original 30 were upto date. This meant that after 12 months, some people had contributed the expected Shs2.4m each while others hadn’t.

By the end of the third year, only eight members were up to date with a contribution of Shs7.2m. The Executive decided to stop coxing people to pay up and urged everybody to first build their contributions to Shs7.2m, so that they can participate in the next level. Ideas being mooted include diving the membership into clusters of every five that attain the Shs7.2m per person to develop their mini estate within the estate.

Challenges now faced include the law – which requires a minimum of 30 to remain and enjoy the privileges of a cooperative society; members wanting out that “the coop isn’t working for me” (as of they are working for it); the likelihood that the clusters of 5 mini estates will not enjoy the economies of scale that the whole 30 would have; silence by dormant members who are not saying what they want or don’t want. By the way, you can’t terminate dormant members whose IDs you used for registration as the society will cease being legal, and recruiting new ones is tough given the inactivity.

So dear Ugandans, I bring my dilemma to you. As initiator of that housing coop, I avoided being on the executive, but I am still its conceptual leader of sorts so ideas I get from you will be taken seriously by the cooperators. But I also believe we can’t just help the poorest of the poor, but to uplift even those who are somewhere, like the members of my coop. Who knows, if the coop recovers, we use the model to help societies help themselves develop decent housing all over the country. Didn’t somebody say “Give me a fish and feed me for day; teach me how to fish and I feed myself for a lifetime”?

I have heard that there is the second annual Uganda Housing Symposium due Thursday 5 October 2023 at the Mestil Hotel in Nsambya organised by Habitat for Humanity in collaboration with the Ministry of Lands, Housing and Urban Development among other partners. I hope that it will provide with me some of these answers. But before that, you can drop me your ideas.

buwembo@gmail.com

Tags: Denis Jjuuko, Government of Uganda ., Habitat for Humanity Uganda, Joachim Buwembo, Ministry of Lands, Prime Time Communications, Uganda Housing Symposium

#OutToLunch: Xenophobic attacks call for investments in home countries

By Denis Jjuuko In the early 1990s, the world started to witness the dismantling of one of the most antediluvian official racist regimes ever assembled. Nelson Mandela, leader of the African National Congress would be released from prison in 1990 after 27 years of inhumane confinement on Robben Island. A new South Africa was on the horizon. Mandela would win the country’s first multiracial presidential elections in 1994 after his ANC won a large majority of parliamentary seats. Mandela and his ANC’s victory marked the end of official apartheid in South Africa. Mandela mentioned from the beginning that he wasn’t replacing official white racism with official black racism. He called the new South Africa, a rainbow nation. A country that embraced you regardless of the color of your skin. Unlike the majority of the so-called revolutionaries, Mandela ruled for one term. He ended up as one of the world’s most revered statesmen and even became a celebrity! At home, after the euphoria of the 1994 elections, many black South Africans realized that the end of apartheid didn’t mean that they would move from their shebeens in the townships to white homes in leafy suburbs and take over white businesses and send the whites to wherever. South Africa wasn’t Idi Amin’s Uganda. They realized that the rainbow mantra meant co-existence. They rejected it but they were still a bit hopeful. The ANC understood the sentiments of many black people and created policies like black economic empowerment (BEE), which provided opportunities for blacks and other people of color. If a white owned a business, they needed some black people in top management and on the board. Some black people also needed to own shares. Government tenders were reserved for business that embraced BEE. But such opportunities were of course reserved for elite blacks — educated in Europe, America or even in the exclusive South African universities. The majority of the beneficiaries of BEE were ANC stalwarts and that is how they became billionaires and today’s captains of industries. Others became tenderprenuers (influencing government tenders). Apartheid had denied the majority of blacks quality education and other opportunities. They didn’t have skills. The apartheid regime preferred to import professionals from elsewhere to work in black communities or do jobs the whites didn’t want to do. That is how Ugandan teachers and medical doctors ended up in South Africa in the 1980s. They settled there quickly and established themselves as hard working, set up private practices and generally built better lives than many of those they left at home. South Africa had (still does) world class universities and when they opened up the country in 1994, many people started attending school there. I would also end up at an elite South African university 10 years after Mandela had been elected for my graduate education. South Africa was and remains the continent’s most sophisticated and largest economy. As economies of many African nations crumbled, South Africa’s soared. Many Africans unable to be externalized to America or Europe for kyeyo saw it as the next perfect frontier and arrived in droves. Many had seen the doctors and teachers who had migrated earlier living better lives. Those who visited Johannesburg, Cape Town, Durban or Pretoria saw a modern country where they wished to work and live. South African TV soap operas Egoli, Generations and Isidingo created a desire that many people wanted to experience themselves. Those who had made it to South Africa arrived back in Kampala every December with fancy cars and threw white-dress themed parties. Another Bantu migration of sorts had to happen but this time to kuyiriba (hustle) including becoming Sangomas (fake traditional healers). In South Africa, ANC riddled with corruption forgot to create jobs for the majority of blacks who were largely uneducated and unskilled. Populist politicians like Julius Malema saw an opportunity and fanned the flames that lead to today’s xenophobic attacks against blacks from outside South Africa. Hundreds have been evacuated back home in Uganda. They are now chilling in Kyankwanzi, ostensibly undergoing orientation. I am not sure what that means. But the xenophobic attacks should be a wake up call for migrants as well as governments of their home countries. People largely migrated to South Africa to find better opportunities for themselves. If we created jobs here, the majority wouldn’t have left. There must be a deliberate way to encourage migrants to invest back home. NSSF should be pushing them for voluntary savings. Capital Markets Authority should be doing drives for collective investments. National Housing should be building houses they can buy. Uganda Investment Authority should be making presentations on where to invest. It used to happen until when politicians hijacked platforms like the Uganda North American Association Convention. Buganda Kingdom is trying with its Buganda Bumu Convention but it is a drop in the ocean. If we refocused, people wouldn’t be evacuated or even deported and returned home with nothing. And lastly an enabling environment that enables businesses to thrive. The writer is a communication and visibility consultant. djjuuko@gmail.com

July 22, 2026

Out to Lunch

#OutToLunch: Skills and investment portal could help those fleeing xenophobia

Denis Jjuuko Just like that, we are already in the second half of 2026. Six months to the end of the year. Time really flies fast even when you may not be having a great time. The year kicked off with presidential and parliamentary elections in Uganda and a war in Iran that disrupted global economies. Skyrocketing fuel prices mean a tough economy for ordinary people. As if that wasn’t enough, an Ebola outbreak was declared in Democratic Republic of Congo (DRC) and a few cases in Uganda. Some countries reacted by banning Ugandans from entering their countries. Businesses and opportunities were lost. Covid-19 taught people that travels can easily be disrupted. Yet if you live in Kampala, you won’t tell there is any Ebola outbreak. Life as far as Ebola is concerned is normal. Anyway, a new government is now in place. More ministers than Uganda has ever had and a few acting ones, holding more than one docket. They have promised an economy that jumps from USD50-60 billion to a USD500 billion one annually. Government says it will do a lot of stuff to achieve this. Sometimes though, government is government. We pray to be alive to enjoy this. The end of the first half of the year in Uganda means the start of a new financial year. As you may notice, your fuel pump prices are going up as the government has increased the tax it charges on each litre of fuel. The fuel prices have been high already due to the closure of the Strait of Hormuz due to the war in Iran, now they will even be higher. Time to implement some austerity measures at home. Life is for the brave, not so? You probably made some resolutions at the beginning of 2026. Hope you have already achieved them or you are half way there. If you haven’t started on them, you can still adjust a few things. A clip on social media shows somebody whose goal this year was to buy a car but has easily added the letters p.e.t at the end of car to mean carpet. That is what he will buy. The car is out of reach now but the carpet shouldn’t be. Creative way of achieving some resolutions. Whatever resolutions you may have made, starting a new life in South Africa may have to be reconsidered. Ordinary black South Africans unable to find jobs have turned to other Africans who migrated there accusing them of depriving them of their apartheid inheritance. Some people have already lost their lives and/or properties. The government of Uganda is evacuating Ugandans facing xenophobic attacks in South Africa. Hundreds have been flown home already. They have had enough of it. I hope the government of Uganda has a plan for them upon arrival from the country that once had leaders like Nelson Mandela. Have the impending returnees gained any skills that can help Uganda drive the economy to the promised land of USD500 billion a year? Do they have some capital they would like to deploy? Those who have some needed skills could be linked to those who need them. A digital portal could be designed where they register indicating the skills and expertise they possess so those who need them could easily find them. Those looking for businesses to invest in could also do the same. Matching businesses with the skills and even capital is a necessity to grow the economy. The portal would of course not be for only those returning from South Africa but for all people to ensure inclusivity. I think some recently returned from Iran and there are always many returning from other countries as well. Millions of others are here in Uganda. They have some skills, but they don’t know how to reach those who need them. Many others have the required capital businesses need to scale but don’t know how to invest. That is how they fall to charlatans promising abnormal returns on investment. Of course, investing in other people’s business would require some sort of public oversight so that people don’t lose their money easily after investing but it shouldn’t be as difficult as going to heaven or listing on the stock exchange. A standard legal agreement or registration of this investment with a public entity like the Capital Markets Authority or Uganda Registration Services Bureau could help. The writer is a communication and visibility consultant. djjuuko@gmail.com

July 22, 2026

Out to Lunch

#OutToLunch: Africa must level up if the continent is to create a trillionaire

By Denis Jjuuko There was hullabaloo recently when the world’s richest man, Elon Musk, yet again launched another initial public offer (IPO) this time for his space exploration, satellite internet, artificial intelligence and social media company SpaceX. The IPO made him the world’s first trillionaire in US, not Zimbabwean, Dollars! It didn’t take long before the usual commentators in Uganda and elsewhere on the continent went into overdrive with many of them running out of superlatives in praise of Musk. Some owned him as an African, since he was born in South Africa while others blamed everyone else but themselves on the state of innovative companies on the continent. Why aren’t Africans developing AI products and companies, many wondered. Many people have probably tried but to scale them is difficult. Look at how many Africans have developed payment applications. In every innovative hub in Kampala, Nairobi, Lagos or Johannesburg, there are many people developing all sorts of payment apps but they remain relatively unknown outside the ecosystems in which they are being developed. Once in a while, a founder will get some funding and there will be some noise evidenced by billboards in various capitals featuring Nigerian musicians and once the rental fees are done, you will hardly hear about them. Until when they receive another round of investments. I have a feeling many founders’ dream ends at raising a certain amount of funding. Once they have money to pay bills, they sit and relax a bit. I hope I am wrong. But I wouldn’t blame many founders or entrepreneurs on the continent. Creating innovative products like building re-usable rockets or even AI applications that can be scaled requires enormous resources that are hard to realize. How many founders or entrepreneurs will refuse a job that pays money immediately to work on a product whose success can’t be easily determined? They need to pay bills and can’t always look on when their beautiful ex-girlfriends remind them that they couldn’t “eat potential.” Many American innovators have become successful because the government provides them tax breaks and subsidies. Elon Musk wouldn’t have been able to scale Tesla and SpaceX if he wasn’t receiving a lot of subsidies, soft loans and even contracts from the US government. How many African governments offer contracts to a start up? How many provide soft loans and subsidies? Nobody wants to do so. We easily run to Indian multinationals to develop simple things like an integrated website for tax collection. Had SpaceX or Tesla been founded on the African continent, most likely Elon Musk would still be operating in a shared space at an innovation hub at Ntinda Complex or Motiv around Bugoloobi. Unless of course if he knew someone who knew someone whose relative worked in the presidential palace. If he was lucky, he would have been given a flyer to borrow money at 10% payable in four years and he would need to be super lucky to actually get the loan amount credited on his account. Banks don’t look at you if you don’t have a statement that shows a lot of cashflow. I won’t talk about collateral today. That is why you find many people going to Guangzhou in China, bring in whatever that can fit in their checked in luggage, clear taxes, sale and repeat. A few trips over a period of 5-10 years and loan officers are knocking on their doors every day. By this time, the innovator at the innovation hub is most likely still scavenging for the next investor, prompting AI to design some fancy slides for the virtual seed funding presentation to potential investors. The investors listen, love the idea, but they are more likely to get their money back if they backed an 18-year-old kid working from his father’s basement somewhere in California. If they decide to invest in an African’s start up, it is very little money. The Africans who have some money don’t want to invest in “weird” things like space exploration or even AI data centres. They rather invest with a guy claiming to be rearing goats or keeping poultry as long as he promises a huge monthly return. The innovator capable of developing an AI product or a rocket sees the chicken guy rolling on Bandali Avenue in a Subaru with some bimbos and wishes he did the same. If he is a honest person, he would join those opening salons and boutiques in Kyanja Mall. No need to reinvent the wheel, he would console himself. I know that some African governments have funded some startups but they are really few and founders are usually well-connected people. Would an African stock exchange list a non-profitable start up? There is a need to level up to create a critical mass of innovators. If we do, once in a while we’ll have an African Elon Musk, Jeff Bezos or another Aliko Dangote. The writer is a communication and visibility consultant. djjuuko@gmail.com

July 22, 2026