With manual accounting, the Umurenge SACCOs offer basic Microfinance services with differences from a SACCO to another (it is often limited to the name of the loan targeting a different group of members with changes in the basic parameters like duration, interest,…).   

Deposit Products
1)    Current Account
2)    Time deposit (4%)
 Retail Loans
1)    Overdraft account  
2)    Agriculture Livestock
3)    Commerce
4)    Construction
5)    Transportation (Motorbike/bicycle)  
6)    Advance on salary
7)    Handcraft  
8)    Health loan for group or individuals