#OutToLunch: Financial literacy critical for farmers if Uganda is to increase coffee exports

By Denis Jjuuko

Coffee farmers are in a good place these days. Their good fortune is not abating any time soon with fair average quality prices for Robusta still selling above the Shs13,000 mark a kilogram. In July, Uganda exported coffee worth more than USD210 million. If this trend continues, Uganda will earn a whopping USD2.5 billion by the end of the financial year. There has never been a better time to be a coffee farmer.

But like all good things, there is a need to manage them. We recently heard a Member of Parliament from greater Masaka, a center of coffee growing in the country, crying out that prostitutes had invaded her area. The area is predominantly rural, where you would not easily expect to find them.

The MP said that some coffee farmers, mainly men, had even lost their lives to these ‘invaders.’ The ladies of the night wanted some of this coffee money and they were keen on getting it willy-nilly. It isn’t just people peddling their flesh though responsible for some of these deaths, thieves had also attacked some people who had just sold their coffee.

Although security agencies can easily deal with thieves, the challenge of how people manage their newly acquired wealth is always a challenge that needs to be addressed urgently.

In Kalangala, at the onset of oil palm growing, farmers faced similar challenges. So this isn’t something that is new.

When the campaign to grow coffee in Buganda started in 2016, the fair average quality price for Robusta was Shs5,000 on average. It was considered a good price prompting many people to heed the message being offered by the Kingdom of Buganda to grow coffee through their Mmwanyi Terimba campaign. The price is almost three times now, beating any commercial forecasts that may have been used to push the campaign.

Although costs of inputs such as fertilizers and labour have increased over the last eight years, the money farmers are getting is still good. Many farmers are turning a profit. Even those who are not, when they sell their beans, they receive a substantial amount of money for their harvests.

Many such farmers have improved their lives. Better houses are being built. Others are changing the types of roofs on their houses and others are expanding them. For many, school fees for their children won’t be a bother anymore (even though some parents have reportedly stopped their children from attending school so they work as labourers). Some have diversified their incomes, starting wholesale and retail shops. And like many Ugandans, some farmers have built rentals to earn that passive income.

To ease their transport, they have bought bodas bodas and some pick up trucks. The infrastructure to dry the coffee has also improved.

Even with all those investments, coffee farmers are largely still cash liquid. And many lack the skills to manage ‘huge’ sums of money. That is why the MP I mentioned earlier was appealing that prostitutes that had invaded her constituency be roughed up and sent back to the city, where they had come from.

That would not solve the problem though. The farmer can simply jump on their newly acquired Bajaj and drive to the city a few kilometres away and “misbehave.” By the time they return to their farms, they would not have money to buy fertilizers and other inputs. The farms would then collapse.

It is not one way though. Women with increased incomes could also, like men, abandon their roles of being mothers and wives leading to broken families. However, these may not be as many as men since men overwhelmingly own the means of production.

Like all people experiencing a huge somewhat sudden surge in their incomes, there is a need to educate them on how to handle their newly acquired wealth. Financial literacy is largely lacking among some of the farmers yet there is no guarantee the prices will remain this high. The yields may also not always be high especially in these days of fluctuating weather patterns.

Farmers need to manage their money better so that they can use the opportunity of these prices to create lasting wealth not just for themselves but also for the generations after them.

The Uganda Coffee Development Authority could do this while partnering with other interested parties like the Kingdom of Buganda in the central region and financial institutions among others. The farmers can also collectively use the money to add value to coffee by owning milling plants, roasters or acquiring some of the assets in the coffee value chain.

The writer is a communication and visibility consultant. djjuuko@gmail.com

Tags: Buganda, central region, Coffee farmers, Denis Jjuuko, Government of Uganda ., Kingdom of Buganda, Member of Parliament from greater Masaka, Mmwanyi Terimba campaign, Out to Lunch, Prime Time Communications, Robusta, Uganda Coffee Development Authority

Out to Lunch

#OutToLunch: Subdividing land failed homeowners, time to flip that real estate model

By Denis Jjuuko A few years ago, a friend was ecstatic. Finally, after years of toiling, working at his day job and some side hustles, he had managed to buy land somewhere in greater Kampala in one of those sprawling so-called estates where Kampala businessmen buy land and subdivide it into small plots each measuring about an eighth of an acre. It didn’t take him long before he started building one of those common three-bedroom houses with high pitched roofs. Once it was to an extent complete, he moved in after throwing a house warming party for a few friends and relatives. He considered himself middle class and liked his neighborhood. The estate in which he bought land had many undeveloped plots and every time somebody came to build, he was super excited. Soon the estate would be full of houses and therefore a little bit more secure. His property value would go up in case he wanted to sell or borrow. Then we realized he no longer talked about his house and neighborhood. We thought after living there for years, he had overgrown the excitement of being a homeowner. Maybe he had started thinking about other stuff. It is a normal thing. Then he started talking negatively about his neighborhood. The estate that drove up his adrenaline was now a source of sorrow. He was thinking of relocating. He said the estate was no longer middle class. Some of us wanted to tell him that it wasn’t middle class from the beginning but age teaches you mellowness. Anyway, each person had built whatever pleased them. A storied house there, shops on the corner plot where men first stopped for a beer before proceeding to their homes every day, an apartment block here, a nursery school there, a Pentecostal church in one corner, a charcoal seller at the top of the street, a chapatti guy next door. A guy who had bought eight plots, making about an acre, had decided to plant eucalyptus trees. Another was planning some mattooke. An “investor” had decided that the estate needed an artificial grass surface in one corner where the so-called middle class could play soccer till 10.00pm or midnight, after all, he had installed the most luminous flood lights he could find on the market. My friend’s most immediate neighbor had probably listened to many inspirational speakers and decided to build a chicken coop. He heard that the poultry keeper’s grand plan included ducks, goose and even turkeys. The chicken woke him up every 3.00am or some other time in the night. The stench from the chicken coop made sure he abandons his garden, where he used to sit on weekends with one hand holding a champagne glass and another a book. And there were still many empty plots. He didn’t know whether someone could be planning a kraal or a pigsty or a brothel. He had tried involving the local leadership but there wasn’t much help. Some of his neighbours didn’t see a problem with anyone keep some chicken. In fact, they were being praised on the neighborhood WhatsApp group for their entrepreneurial ability. Many neighborhoods in Kampala are not different. In fact, a few months ago, somebody had built a kraal in Kololo. Yes, in Kololo, Kampala’s most exclusive suburb. But the neighbors there are “deep waters” so they stopped his entrepreneurship adventure. My friend is now looking for a buyer so he could sell and go to some of those housing estates by the likes of NSSF, Mirembe Villas and Royal Palm. He had always said they were expensive and criticized them for building for “non-Ugandans” but he now agrees that there, it will be hard for somebody to practice their poultry business at home. There is some orderliness. Nobody wakes up to do what pleases them. Since Ugandans love investing in land or real estate, this could be a model that people can try especially those with some capital but for not high-end clients. I know that Buganda Kingdom and NSSF are building such estates in Ssentema but they are very few units. National Housing has land in Bukerere and NSSF in Nsimbe. These among other estates could help take away people’s misery if built affordably and provide significant returns on investment. The writer is a communication and visibility consultant. djjuuko@gmail.com

August 14, 2025

Out to Lunch

#OutToLunch: It is our turn to eat, the politicians have eaten enough

By Denis Jjuuko After nearly five years of planning, positioning, and scheming, it is time for implementation of strategies that could lead many people to their coveted offices. For some, the first hurdle is to convince their parties that they are qualified to stand for election in the primaries to represent them. To others, it is to decide whether to stand as independents and in which particular constituency. The political fever is rising across the country. At funerals, weddings, sports, religious and cultural events, candidates are aligning themselves sometimes with causes they don’t believe in while many times mudslinging others. Resources are not being spared. Unfortunately, human beings are not being spared too. Ssembabule seems to be an epicenter of violence. An incumbent even threw in the towel claiming the violence is too much. Before the ink on her words dried, a youth was shot dead! It is going to be long eight months or so. Just like it was in 2021 and in many general elections before. Usually, the news that comes out is of violence and tension leading to many people to fear. Internet is usually cut off at some stage. Some radio stations also get blocked. Tear gas becomes part of the oxygen people breathe in. But should politics be like that? Over the last few years, it has become a job. An assurance for many of those who win to earn significantly over a five-year period especially for those at the top end of politics—those who end up as Members of Parliament. They are not only paid well; the president usually appoints a significant number of them into his cabinet—an opportunity to earn even better. Maybe that is the reason it is a do or die for many candidates like we have witnessed so far in Ssembabule. Of course, many of those who stand for office won’t be elected and even many incumbents won’t win their positions back. Ugandan politics below the presidency tends to give an opportunity to a lot of new comers. They call it a ‘turn for someone else to eat.’ Issues are less discussed on what can really transform a country yet that is where we need to go. The country cannot develop if we are voting people because it is a “turn for someone else to eat.” That way you send people to elective offices who stand for nothing and therefore go wherever the wind blows. That way the country remains poor because politics is a core component of economic development. People who have no values won’t fight for anything that affects the poor. They will only be concerned about themselves and their immediate families. A few millions in their pocket, and they pass laws that lead the country to nowhere. Corruption becomes their middle name and scheming the religion they believe in. Yet the issues that affect all of us affect them too. If the road to a Kampala suburb is potholed everywhere, a politician who steals money to build a residence or rental apartments or a hotel will suffer too. He may have a government Landcruiser but for how long? His tenants or patrons could shun the apartments or the hotel because of inaccessibility. The building may end up as a white elephant. And if he is voted out, he may not have the resources to renovate it. When there are no doctors and drugs in health facilities, the politician may not have enough time to be flown to Uganda’s referral hospitals for the rich in Nairobi or New Dehli. At the end of the day, stolen money at the expense of public services won’t be able to save him. As we spend more and more time on radio and television talkshows and watching TikTok clips on a loop of politicians, we need to put them to task on what they tend to do. Particularly, how are they going to enable young people find meaningful jobs or any job at all? How are they going to help the elderly live decent lives? What is their plan on education, health, transport, and agriculture among other key sectors? Also, there is a need for civic education so that our people understand that the best thing for them is not to be given a t-shirt or a piece of soap or even a hoe, rather to have something that they do that can enable them buy such stuff on their own. It is time for the population to eat. The politicians have eaten enough. The writer is a communication and visibility consultant. djjuuko@gmail.com

July 16, 2025

Out to Lunch

#OutToLunch: Poor pay of humanities teachers may take us back to Covid days

By Denis Jjuuko It is more than five years since the dark days when many people who could afford a TV set spent their days on the screen, watching numbers as they were being updated in real time of the people who were dying. Those without TV sets, clung to their small world receivers. The world was coming to an end. The televised address of the president became the most anticipated event. People waited for his trademark “therefore” with abated breath. Would he unlock the country or extend the lockdown? The children stayed at home instead of school for two years or so. The majority of those from middle income families deceived themselves that they were learning online. The majority of teachers also convinced themselves that they were teaching. The truth is learning wasn’t taking place. Those from poorer households loitered the streets and villages. Some of them have never stopped loitering up to today. Many became teenage mothers — their lives thrown into the world they had never imagined. A cycle of poverty on the horizons. Covid-19 is something many people will never forget. Over the weekend, a video emerged online of kids in a secondary school lounging in the vast fields and shrubs that make their compound. They were pretending to revise their books only for the camera to show many coupling. Some were even sleeping in the chests of others or very close to each other. It is hard to tell when the video was shot or which school it was. However, the concern of many people was that the ongoing humanity teachers strike is leading to many kids spending time discovering the anatomy of their bodies instead of being in classrooms learning. If teenagers spend their time discovering what they shouldn’t be discovering, many will end up pregnant or with sexually transmitted diseases. Remember, that we haven’t yet recovered from the teenage pregnancy crisis as a result of Covid-19. The humanity teachers are striking because government decided to pay science teachers more in a bid to stimulate innovation and transformation. The humanity teachers are calling this discriminatory arguing that they should also be paid as much as their science counterparts. Scientists may do a lot to transform a country but they can’t do it on their own. Innovations for example must be marketed. Lawyers must exist to help solve legal problems that may crop up as a result of scientists disagreeing on their innovations or how to share the proceeds. Getting humanities teachers back to the classrooms should be urgently handled so that we avert a crisis that may happen as teenagers loiter around school compounds for days indulging in activities that they shouldn’t be involved in. Although the country may decide that sciences are the best way to develop Uganda, it should not come at the expense of those who may want to pursue humanities courses. All learners should be given an equal opportunity to study want they want. Both those who study sciences and humanities have a role to play in the development of our country. However, government can find other ways to incentivize both learners and teachers that is not seen as discriminatory. For examples, learners, will want to study courses that lead to employment with higher pay. Their parents and/or guardians will push them to that too. But if they see doctors striking every day for poor pay, they will not see any reason why they should spend many years in medical school instead of doing something else. If we can’t pay our doctors enough money to ensure they work in the wards and theatres, however much we pay science teachers won’t have any impact on medicine for example. If kids go to university to study mechatronics engineering and there aren’t enough organizations willing to take them on for internship or offer them jobs after graduation, they will encourage their peers not to do the course. If they think the opportunities are in trading crypto, that is where they will go. If they see social influencers living the life, that is what they will want to do. The reason many parents of years ago wanted to see their kids become doctors, lawyers and engineers among other professions was because they had seen how those who studied such lived their lives. Parents always want the best for their children. Although paying science teachers is important, paying humanitiess teachers is as important otherwise a time will come when we are now oversupplied with scientists at the expenses of humanities. Both sciences and humanities need each other. And for now, a major crisis looms if we don’t get the kids back in classrooms regardless of what they are studying. The writer is a communication and visibility consultant. djjuuko@gmail.com

July 16, 2025