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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , No. of SACCOs. = . , No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
that are not as y Based ons = 69. , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
0. 89, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = - 10. 89, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . 89, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = 1,000,000,000. 90, Vote code. = 877. 90, Entity Name. = Kyenjojo DLG. 90, Regis tratio n of PDM SACC Os Under the Coope rative Societ.ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = 0. 90, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act.No. of PDM SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 90, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = 0. 90, Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = 10. 90, Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers that signed PPRF before the first AGM = 0. 90, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = 0. 90, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Agreem ent = 0. 130, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts = 38. 130, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . 130, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . , Vote code.No. of SACCOs. = . , Entity Name Regis tratio n of PDM SACC Os the Societ ies Act No of.SACC Os that were not regist ered the ies Act. = . , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
code. = . , Entity Name. = . , Regis tratio n of PDM SACC Os Under the Coope rative Societ.ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , No. of SACCOs. = . , No. of PDM SACCOs that did not have a PDM member registers = -. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = -. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of
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6.8 Registration of PDM SACCOs and Enterprise Groups
Failure to update PDM member. 3., Recommendation = I advised Accounting Officer to ensure that the PDM member register updated as by the guidelines.. 3., = the is required. 4., Nature of registration = Signing of PRF Financing Agreements. 4., Observations = UGX 200,000,000 was transferred to 02. SACCOs without signed PRF financing agreements as detailed in Appendix 4 (b) Transfer of PRF to SACCOs without PRF financing agreements could lead to funding illegitimate SACCOs and loss of PDM funds.. 4., Recommendation = I advised the Accounting Officer to ensure that SACCOs financing agreements before they are funded.. 4., = all sign
28
Irregularities in registration of PDM SACCOs and Enterprise Groups could lead to loss of PRF due to; funding illegitimate, SACCOs that do not meet minimum requirements for operation and extending loans to members of non-existent enterprise groups, and ineligible beneficiaries. In addition, enforcement of recovery of PRF from beneficiaries by unlicensed PDM SACCOs may be legally challenged.
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
agreem ents = 0. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that AGM = 0. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.signed PPRF before the first SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = 0. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Vote code. = . , Entity Name. = . , Regis tratio n of PDM SACC Os Under the Coope rative Societ ies Act No of PDM.SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act.No. of PDM SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise
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5.5.1 Registration of PDM SACCOs and Enterprise Groups
SACCOs that do not meet minimum requirements for operation, and extending loans to members of non-existent enterprise groups, and ineligible beneficiaries. In addition, enforcement of recovery of PRF from beneficiaries by unlicensed PDM SACCOs may be legally challenged.
35
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = 0. 148 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = 0. 148 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . 148 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = 0. 148 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements - = . , Vote code. = . , Entity Name Os the ies Act No of.PDM SACC Os that were not regist ered under the Coope rative Societ ies = 0. , Regis tratio n of PDM SACC Under Coope rative Societ.SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Update of SACCO Enterprise and Household Registers No. of.PDM SACCOs that did not have a PDM member
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Communit y Based Organizati ons = . 74, No. of SACCOs. = . 74, No. of PDM SACCOs that did not have a PDM member registers = . 74, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . 74, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . 74, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = . 74, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = . 74, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . 74, Update of SACCO Enterprise and Household Registers
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eedb796e-4954-4bd9-8074-33af303c47a4
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . 152, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements - = . , Vote code. = 857. , Entity Name Os the ies Act No of.PDM SACC Os that were not regist ered under the Coope rative Societ ies = . , Regis tratio n of PDM SACC Under Coope rative Societ.SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Update of SACCO Enterprise and Household Registers No. of.PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers No. of.No. PDM SACCOs that did not have updated PDM member registers = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
act = . 80, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . 80, No. of SACCOs. = . 80, No. of PDM SACCOs that did not have a PDM member registers = . 80, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . 80, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = -. 80, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = . 80, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = . 80, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Microfinance Institutions money lenders act = 10. 96, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = 0. 96, Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = 0. 96, Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers that signed PPRF before the first AGM = 0 0. 96, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = 0. 96, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = 0. 96, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = 0. 96, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = 0. 96, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = 0. 96, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = 0. 97, Vote
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
that are not as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = 1,850,000,000. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng
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12a4d460-27db-4e72-a0dd-d0e043960ff4
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Act. = 0. , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = 10. , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = -. , No. of SACCOs. = 10. , No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = 10. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = -. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = 10. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM
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c) Payment of PDM SACCOs before registration
Guidance 16 by the PSST in the letter referenced EDP86/103/02 and dated 25 th May 2022 required Accounting Officers to register PDM SACCOs on IFMS after fulfilment of the following conditions:
The parish of the PDM SACCO must correspond to the list of gazette parishes provided;
The PDM SACCO must be duly registered under the Cooperative Societies Act (as amended);
The PDM SACCO must have opened a bank account at a supervised financial institution;
The PDM SACCO must have signed the PRF Financing Agreement.
Contrary to the above, the District transferred UGX. 760,347,922 to 77 PDM SACCOs despite the fact that they were not registered under the Cooperative Societies Act and had not signed the PRF Financing Agreements.
As a result, funding of enterprise groups was delayed thus negatively affecting the objective of improving community livelihoods.
The Accounting Officer explained that the District sent the funds before registration to avoid them from being swept back to the consolidated fund but instructed the banks to halt any transactions on all Bank accounts held by the respective PDM SACCOs.
I advised the Accounting Officer to expedite the registration of PDM SACCOs and have the PRF Financing Agreements signed so that the PDM SACCOs can utilize their funds.
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Societ ies Act No of.SACC Os that were not regist ered the ies Act. = . , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before
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Imade the_following_observations;
, Nature registration = Licensing SACCOs Microfinance. , of = of Under. , Observations = PDM 10 SACCOs were not licensed to the take on the business of lending under Microfinance Institutions money lenders act as detailed in Appendix 9.. , Management Response = At the time of registering the PDM SACCOS at the Ministry of Trade the issue of licensing these Sacco's by UMRA was raised and the response was that we for the Ministry of finance to wait. , Nature registration = Institutions Lenders Act. , of = . , Observations = Money. , Management Response = communicate for_licensing
Irregularities in registration of PDM SACCOs and Enterprise Groups could lead to loss of PRF due funding illegitimate, SACCOs that do not meet minimum requirements for operation and extending loans to members of non-existent enterprise groups, and ineligible beneficiaries. In addition, enforcement of recovery of PRF from beneficiaries by unlicensed PDM SACCOs may be legally challenged. to;
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1755e6f3-6020-4434-83b3-f165302381c3
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
code. = . , Entity Name. = . , Regis tratio n of PDM SACC Os Under the Coope rative Societ.ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act.No. of PDM SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . , Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers that signed PPRF before the first AGM = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = -. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM
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a56958a1-2ea4-4e01-9599-2e2022cdf7ed
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = 0 10. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = -. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng
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84ab7340-65c0-4e20-b3c1-faabe73a385e
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Amount of PRF received before PRF.that did not have updated PDM member registers = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = 0. , Update of SACCO Enterprise and Household Registers
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02083cef-768c-4e82-9a07-780f2aef9bb4
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5.5 Registration of PDM SACCOs and Enterprise Groups
Irregularities in registration of PDM SACCOs and Enterprise Groups could lead to loss of PRF due funding illegitimate, SACCOs that do not meet minimum requirements for operation and extending loans to members of non-existent enterprise groups, and ineligible beneficiaries. In addition, enforcement of recovery of PRF from beneficiaries by unlicensed PDM SACCOs be legally challenged. to; may
The Accounting Officer should expedite the process of having all SACCOs registered with UMRA and obtained lending licenses.
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5.1.3 Registration of PDM SACCOs and Enterprise Groups
Paragraph 2.6.2, 2.6.3, 3.10 of Users' Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions Money Lenders Act, 2016 requires that;
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO.
A SACCO shall sign PRF Financing Agreement with the Accounting Officer. The purpose of this Agreement is to formalise the relationship between Government and the PDM SACCOs.
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The AO shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasised by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
I made the following observations;
1., Nature registration = Licensing. 1., of = of PDM. 1., Observations = A sample of 10 SACCOs reviewed revealed that. 1., Recommendation = I advised the. 1., Nature registration = SACCOs Under the. 1., of = . 1., Observations = they were not licensed to take on the business. 1., Recommendation = Accounting Officer to
31
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018fa52a-c9ee-4ee5-b269-f7c7220d2979
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6.1.5 Transfer of PRF to un-licensed SACCOs
Section 36(1, 2 &3) of Tier 4: Microfinance Institutions money lenders act, 2016 states that a SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
I noted that no PRF funds were transferred to SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act.
The Accounting Officer explained that the Microfinance Institutions and money lenders Act provides for licensing of SACCOS which are on permanent registration but the PDM SACCOS are still on a probationary period of 2 years after registration as provided in the Cooperative Societies Act, Cap 112 (as amended).
I advised the Accounting Officer to engage the relevant authorities on the matter.
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4722e902-b4be-4379-b506-fbea2daf1820
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5.4.1 Registration of PDM SACCOs and Enterprise Groups
Paragraph 2.6.2, 2.6.3, 3.10 of Users' Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions Money Lenders Act, 2016 requires that;
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO.
A SACCO shall sign PRF Financing Agreement with the Accounting Officer. The purpose of this Agreement is to formalise the relationship between Government and the PDM SACCOs.
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The AO shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasised by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
27
I made the following observations;
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30378af9-bbc4-4e41-8090-2782f065dfc2
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = -. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . 115, Vote code.No. of SACCOs. = 906 111. 115, Entity Name Regis tratio n of PDM SACC Os the Societ ies Act No of.SACC Os that were not regist ered the ies Act. = DLG. 115, Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = - 111. 115, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . 115, Registration of Enterprise
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b243f7d9-c21f-4338-a1a4-9bf0d24e8c32
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . 43, Vote code. = . 43, Entity Name Os. = . 43, Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . 43, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 43, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . 43, Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . 43, Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = -. 43, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = -. 43, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . 43, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM
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1f3d4c20-0d27-49f8-ac17-f1467ea59b58
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5.3.5 Registration of PDM SACCOs and Enterprise Groups
1., Nature of registration = Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act. 1., Observations = 37 SACCOs were not licensed to take on the business of lending under Microfinance Institutions money lenders act as detailed in Appendix 21. 1., = The Accounting explained that the registration of these SACCOS is underway after the completion of probationary registration. The. 2., Nature of registration = Registration of Enterprise Groups as Community Based Organizations. 2., Observations = 5 Enterprise groups in 1 PDM SACCO were not registered by the Community Development Officers at the Sub County as Community Based Organizations (CBOs). Details are in Appendix 22. 2., = Accounting Officer explained that the enterprise registration is a continuous exercise on the PDMIS.
35
3., 1 = Update of. 3., 2 = SACCO SACCOs did not. 3., 3 = 10 have a PDM The. , 1 = Enterprise and. , 2 = member registers /. , 3 = updated PDM Accounting Officer explained that. , 1 = Household Registers. , 2 = member registers contrary the. , 3 = to the enterprise. , 1 = . , 2 = guidelines. Details are in registration. , 3 = Appendix is a. , 1 = . , 2 = 23 continuous. , 3 = exercise
Irregularities in registration of Enterprise Groups could;
lead to extending loans to members of non-existent enterprise groups and ineligible beneficiaries.
Lead to challenges in enforcement of recovery of PRF from beneficiaries of unlicensed PDM SACCOs.
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61575630-e684-46b3-95d0-83d530cb5092
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
registers = -. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = -. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements - = -. 155, Vote code. = . 155, Entity Name Os the ies Act No of.PDM SACC Os that were not regist ered under the Coope rative Societ ies = . 155, Regis tratio n of PDM SACC Under Coope rative Societ.SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 155, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . 155, Update of SACCO Enterprise and Household Registers No. of.PDM
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01ec995d-0b49-4111-9152-11f66625b548
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No. of PDM No. of PDM.that signed PPRF before the first AGM SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = 15,200,000,000. 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = 15,200,000,000. 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = 15,200,000,000. 44, Vote code. = 819. 44, Entity Name Os. = Bulambuli DLG. 44, Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = 122. 44, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = 109. 44, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = - -. 44, Registration of Enterprise Groups as Community Based Organizations.No. of
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564baa7b-47d7-4b2a-85a1-7f2ce9c840a7
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4.3.8 Registration of PDM SACCOs and Enterprise Groups
Paragraph 2.6.2, 2.6.3, 3.10 of Users Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions money lenders act, 2016 requires that;
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO.
A SACCO shall sign PRF Financing Agreement with the Accounting Officer. The purpose of this Agreement is to formalise the relationship between Government and the PDM SACCOs.
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The Accounting Officer shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasised by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
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7e19e668-7696-4be1-9876-e41586dfdd33
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Societ ies = . 10, Regis tratio n of PDM SACC Under Coope rative Societ.SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 10, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . 10, Update of SACCO Enterprise and Household Registers No. of.PDM SACCOs that did not have a PDM member registers = . 10, Update of SACCO Enterprise and Household Registers No. of.No. PDM SACCOs that did not have updated PDM member registers = . 10, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . 10, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = . 10, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . 10, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . 10, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF
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55543dc6-e63f-49da-a079-d74ab6efe994
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
SACCOs that did not have a PDM member registers = 8. 60, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = 8. 60, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = 0. 60, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = 0. 60, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = 0. 60, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = 0. 60, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of
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dd65ebb7-1f7c-4c0d-82a0-b76708a660b8
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4.3.3 Registration of PDM SACCOs and Enterprise Groups
Paragraph 2.6.2, 2.6.3, 3.10 of Users Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions money lenders act, 2016 requires that;
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
29
I made the following observations;
1., Nature of registration = Licensing Microfinance Institutions Lenders Act Update of SACCO. 1., Observations = of PDM SACCOs Under the Money 58 SACCOs were not licensed to take on the business of lending under Microfinance Institutions money lenders act as detailed in Appendix 11.. 1., Management Response = The Accounting explained that the SACCOs were not licensed to do money lending business because they were still in their infancy stage. The Tier 4 & Money Lending Act 2016 requires the SACCO to have existed for 2 years before licensing. However subsequent periods/FYs the PDM SACCOs will be advised to pursue money lending licensing.. 1., Management Response = . 2., Nature of registration = Enterprise and Household Registers. 2., Observations = 10 SACCOs have a PDM member registers / updated PDM member registers as per the guidelines, however, the new members had not been presented in a general assembly for admission into the PDM SACCO Details are in Appendix 12 .. 2., Management Response = The Accounting Officer explained that the enterprise registration is a continuous exercise on the PDMIS.. 2., Management Response =
Irregularities in registration of Enterprise Groups could;
Lead to extending loans to members of non-existent enterprise groups and ineligible beneficiaries.
Lead to challenges in enforcement of recovery of PRF from beneficiaries of unlicensed PDM SACCOs.
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . , Vote code.No. of SACCOs. = . , Entity Name Regis tratio n of PDM SACC Os the Societ ies Act No of.SACC Os that were not regist ered the ies Act. = . , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . 144, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . 144, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements - = . -, Vote code. = 852
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268d2179-7181-4229-aeb1-c38c832e3ba3
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7.4.1 Registration of PDM SACCOs and Enterprise Groups
Paragraph 2.6.2, 2.6.3, 3.10 of Users' Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions Money Lenders Act, 2016 requires that;
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a license under this Act.
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO.
A SACCO shall sign PRF Financing Agreement with the Accounting Officer. The purpose of this Agreement is to formalize the relationship between Government and the PDM SACCOs.
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The AO shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasized by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
I made the following observations;
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
a PDM member registers = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.that signed PPRF before the first AGM SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . 53 10 - - 10, Vote
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4.6.6 Registration of PDM SACCOs and Enterprise Groups
Paragraph 2.6.2, 2.6.3, 3.10 of Users' Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions Money Lenders Act, 2016 requires that;
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
I made the following observations;
1., Nature registration = Licensing. 1., Nature registration = of. 1., of = PDM. 1., Observations = I noted that all the10 SACCOs were. 1., Recommendation = I informed the Accounting. , Nature registration = SACCOs Microfinance Institutions. , Nature registration = Under. , of = the Money. , Observations = not licensed under the Microfinance Institutions Money Lenders Act. of PDM Secretariat.. , Recommendation = Officer that the matter will be brought to the attention
32
Table 27; PDM SACCO Operations
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Reqistration_of PDM SACCOs and Enterprise Groups
1, Nature of = registration Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act. 1, Observations = 50 SACCOs were not licensed to take the business of lending under Microfinance Institutions money lenders act as detailed in Appendix 13 As a result; enforcement of recovery of PRF from beneficiaries by the PDM SACCOs may be legally challenged the leading to loss of funds. The Accounting Officer explained that all the 50 PDM SACCOs were not registered under the Microfinance Institutions on. 1, Recommendation = The Accounting Officer to seek guidance from the PDM Secretariat to ensure that all SACCOs are registered under Cooperatives Societies Act.
money, 1 = awaiting. lenders act 2016 guidance from the PDM Secretariat., 1 =
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d2439f5f-6894-4567-ae07-fb1e24dc49e2
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = . 70 71, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = . 70 71, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . 70 71, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts 0 = . 70 71, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.agreements 0 = -. , Vote code. = . , Entity Name. = DLG. , Regis tratio n of PDM SACC Os Under the Coope rative Societ.ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
registers = . 47, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . 47, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = . 47, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.that signed PPRF before the first AGM SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = 37 -. 47, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . 47, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . 47, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . 47, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Vote code. = . , Entity Name Os. = . , Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of
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ec17930c-91de-4174-9ee3-181b1a1d0b69
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
that are not as y Based ons = . 127, Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . 127, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = . 127, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . 127, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . 127, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = . 127, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng
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4.4.1 Registration_of PDM SACCOs_and Enterprise Groups
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
Paragraph 2.6.2, 2.6.3, 3.10 of Users' Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions Money Lenders Act; 2016 requires that;
A SACCO shall not carry on the business of provision of financial services to its membersunless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO-
A SACCO shall sign PRF Financing Agreement with the Accounting Officer. The purpose of this Agreement is to formalise the relationship between Government and the PDM SACCOs.
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The AO shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasised by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
Imade the following observations;
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
agreements = . 39, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . 38 10, Vote code. = 811. 38 10, Entity Name Os. = . 38 10, Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . 38 10, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 38 10, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . 38 10, Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = 76. 38 10, Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = -. 38 10, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = 10. 38 10, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = -. 38 10, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = -. 38 10, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM
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7fb6d5e5-67f9-4248-a554-dfd8763cdc88
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
registers = 0. 67, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . 67, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . 67, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = 0. 67, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = 151. 67, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . 67, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM
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88d49ea4-4ba8-49c9-a225-0d5d95af4376
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = 0. 69, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = 0. 69, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = -. 69, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = -. 69, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = -. 69, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts 0 = -. 69, Update of SACCO Enterprise and Household Registers
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4489e3c6-bb82-49e9-819c-3967ecc359ba
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
AGM = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.signed PPRF before the first SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = 0. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . 24, Vote code. = . 24, Entity Name. = . 24, Regis tratio n of PDM SACC Os Under the Coope rative Societ ies Act No of PDM.SACC Os that were not regist ered under the Coope rative Societ ies Act. = . 24, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act.No. of PDM SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 24, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . 24, Registration of Enterprise Groups as Community Based Organizations.No. of
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8ed5d694-8f38-4ad7-ba4b-962e4ce331af
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
licensed to take on the business of lending under Microfinance Institutions money lenders act = . 49, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . 49, Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . 49, Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = 0. 49, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . 49, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = 0. 49, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = 0. 49, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.that signed PPRF before the first AGM SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = 0 0. 49, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = -. 49, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = 0. 49, Signing of PRF Financing Agreements No. of
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c876d187-a60f-499e-aef3-0e835529c25e
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts 0 = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.agreements 0 = . 74, Vote code. = . 74, Entity Name. = . 74, Regis tratio n of PDM SACC Os Under the Coope rative Societ.ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . 74, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 74, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as
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b80be689-ea8a-4f8a-a8e8-26befdba024e
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = -. 111, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts = -. 111, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . 111, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . 112, Vote code.No. of SACCOs. = 903. 112, Entity Name Regis tratio n of PDM SACC Os the Societ ies Act No of.SACC Os that were not regist ered the ies Act. = Nakasongola. 112, Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 112, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . 112, Registration of Enterprise
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3ea92ab1-63f3-4a61-b7dd-568232fb413c
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
the first AGM = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . , Vote code.No. of SACCOs. = . , Entity Name Regis tratio n of PDM SACC Os the Societ ies Act No of.SACC Os that were not regist ered the ies Act. = . , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups
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be356434-dc4b-4589-96de-0b3255c2c6ab
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7.1.3.3 Registration of PDM SACCOs and Enterprise Groups
Paragraph 2.6.2, 2.6.3, 3.10 of Users' Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions Money Lenders Act, 2016 requires that;
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO.
A SACCO shall sign PRF Financing Agreement with the Accounting Officer. The purpose of this Agreement is to formalise the relationship between Government and the PDM SACCOs.
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The AO shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasised by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
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7a43be0a-7e20-4e85-82d4-e75842a5c387
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Namutamba. , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = 0. , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = 0. , Update of SACCO Enterprise and Household Registers
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b27a14e1-dd50-490a-bc61-6fe52edaa5b7
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Societ ies Act No of.SACC Os that were not regist ered the ies Act. = . , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before
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fc94cbff-62c2-4973-9b2b-211030f5e093
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8.3.4 Registration of PDM SACCOs and Enterprise Groups
1., Nature registration = Licensing of SACCOs Under Microfinance Institutions Lenders Act. 1., of = PDM the Money. 1., Observations = I noted that all 10 sampled SACCOs were not licensed to take on the business of lending under Microfinance Institutions money lenders act as detailed in the Appendix 8 explained 'SACCOs registered registrar cooperatives register Finance Institutions. 1., Management Response = The Accounting Officer that, were by the of however plans are underway to with Micro Lending licensed. 2., Nature registration = Update of Enterprise Household Registers. 2., of = SACCO and. 2., Observations = I noted that 5 out of 10 sampled SACCOs did not have a PDM member registers/ updated PDM member registers contrary to the guidelines. Appendix 9 refers The Accounting Officer responded that, 'Advise taken. Information available to maintained support of team'. 2., Management Response = is be with the the core
49
Irregularities in registration of PDM SACCOs and Enterprise Groups could lead to loss of PRF due to; funding illegitimate, SACCOs that do not meet minimum requirements for operation and extending loans to members of non-existent enterprise groups, and ineligible beneficiaries. In addition, enforcement of recovery of PRF from beneficiaries by unlicensed PDM SACCOs may be legally challenged.
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24df2285-db7b-474e-9687-7dbcbc68b3f5
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Agreem ent = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . 128, Vote code.No. of SACCOs. = 0. 128, Entity Name Regis tratio n of PDM SACC Os the Societ ies Act No of.SACC Os that were not regist ered the ies Act. = . 128, Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 128, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . 128, Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . 128, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM
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56acfeab-a8f2-423b-a830-deaf60795d3b
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
agreemen ts = . 128, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = 0. 128, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = 0. , Vote code.No. of SACCOs. = . , Entity Name Regis tratio n of PDM SACC Os the Societ ies Act No of.SACC Os that were not regist ered the ies Act. = . , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM
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0f59dd9e-e4d9-4a6a-ba31-81a8b800db43
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . , Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = 0. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = 0. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.that signed PPRF before the first AGM SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . , Signing of PRF Financing Agreements
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500b521f-4ca3-4ed5-a3c4-44aab720cc58
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts 0 = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Agreem ent = -. 122 123, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts = -. 122 123, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = -. 122 123, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = -. , Vote code.No. of SACCOs. = -. , Entity Name Regis tratio n of PDM SACC Os the Societ ies Act No of.SACC Os that were not regist ered the ies Act. = Pader DLG. , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = -. , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = -. , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM
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I made the following observations;
Irregularities in registration and updating of registers of PDM SACCOs and Enterprise Groups could lead to loss of PRF due to; funding illegitimate, SACCOs that do not meet minimum requirements for operation and extending Ioans to members of non-existent enterprise groups; and ineligible beneficiaries. In addition, enforcement of recovery of PRF from beneficiaries by unlicensed PDM SACCOs may be legally challenged.
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a3a57e65-ad4f-4394-aa87-997f82f36c96
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
agreem ents = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.that signed PPRF before the first AGM SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . 49, Vote code. = . 49, Entity Name Os. = . 49, Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . 49, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not
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dd8acb25-7030-4e85-a645-092051a86516
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4.2.5 Registration of PDM SACCOs and Enterprise Groups.
Paragraph 2.6.2, 2.6.3, 3.10 of Users Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions money lenders act, 2016 requires that;
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the
49
members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO.
A SACCO shall sign PRF Financing Agreement with the Accounting Officer. The purpose of this Agreement is to formalise the relationship between Government and the PDM SACCOs.
The Chairperson of PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The AO shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasised by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
I made the following observations;
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05d25eaf-12c0-4517-84c6-22dd293007df
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts 0 = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.agreements 0 = . , Vote code. = 853. , Entity Name. = Kapelebyong. , Regis tratio n of PDM SACC Os Under the Coope rative Societ.ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM
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6fc6f6db-a986-409d-a891-ec322c61943e
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . 97, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Vote code. = . , Entity Name. = . , Regis tratio n of PDM SACC Os Under the Coope rative Societ.ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act.No. of PDM SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = 10. , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = 0. , Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . , Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers that signed PPRF before the first AGM = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = . , Signing of PRF Financing Agreements No. of PDM
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234d001e-482a-494b-8fc9-d222251a2ace
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . , Vote code.No. of SACCOs. = . , Entity Name Regis tratio n of PDM SACC Os the Societ ies Act No of.SACC Os that were not regist ered the ies Act. = . , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF
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f6eb5e50-5687-47bf-8292-72710b6156b1
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
registers = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.No. of PDM SACCOs without signed PRF financin g agreem ents = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that AGM = -. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.signed PPRF before the first SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = -. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = -. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Vote code. = 722. , Entity Name. = Moroto MC. , Regis tratio n of PDM SACC Os Under the Coope rative Societ ies Act No of PDM.SACC Os that were not regist ered under the Coope rative Societ ies
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b9955f50-81dd-4384-9ae1-8e88c4da28b2
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4.6.6 Registration of PDM SACCOs and Enterprise Groups
Paragraph 2.6.2, 2.6.3, 3.10 of Users' Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions Money Lenders Act, 2016 requires that;
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating
44
on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO.
A SACCO shall sign PRF Financing Agreement with the Accounting Officer. The purpose of this Agreement is to formalise the relationship between Government and the PDM SACCOs.
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The Accounting Officer shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasised by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
I made the following observations;
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d508e2bc-27b4-4b92-a33b-238beed4493b
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Vote code. = . , Entity Name Os. = . , Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . , Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM
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68444790-7502-46b8-8d46-523b111da142
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4 |
Appendix 3: Transfer of PRF to un-licensed SACCOs
= NO. 10., Microfinance Institutions. = Not registered under Microfinance Institutions.
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7cdc4fac-6800-4138-a8e4-6181c255acf6
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Vote code. = . , Entity Name Os. = . , Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = 0. , Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . , Signing of PRF Financing Agreements No. of PDM
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2437f8d6-07d0-4a30-acef-5a35a11848a7
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that received funds before signing PRF financing agreemen ts 0 = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.agreements 0 = . , Vote code. = . , Entity Name. = . , Regis tratio n of PDM SACC Os Under the Coope rative Societ.ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , No. of SACCOs. = -. , No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of
|
e75196cc-95c8-4aa0-b8d8-573beb6fb00d
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = 0. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = 0. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = 0. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Vote code. = . , Entity Name. = . , Regis tratio n of PDM SACC Os Under the Coope rative Societ.ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act.No. of PDM SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . , Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers that signed PPRF before the first AGM = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member
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f65e3274-c45b-45d1-bbe1-30e204f9242e
|
4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No of.SACC Os that were not regist ered the ies Act. = . , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = 95. , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = 10. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = -. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before the first
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f7ac524a-7389-4131-8f10-451be9bca2f8
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
registered as Communit y Based Organizati ons = . 39, Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = 10. 39, Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = 10. 39, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . 39, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . 39, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = 400,000,000. 39, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.that signed PPRF before the first AGM SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = -. 39, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . 39, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . 39, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF
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64323be1-e928-4265-89cc-36e29f92404b
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = 0. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = 0. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = 0. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = 0. , Vote code. = . , Entity Name Os. = DLG. , Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . , Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = 0. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred
|
a5476e6d-55f2-4aec-b2df-2be6d1b52f75
|
4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
signed PRF Financi ng Agreem = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . 106, Vote code. = . 106, Entity Name. = . 106, Regis tratio n of PDM SACC Os Under the Coope rative Societ.ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . 106, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act.No. of PDM SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 106, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . 106, Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . 106, Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers that signed PPRF before the first AGM = . 106, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . 106, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . 106, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM
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a23b7064-d40e-4d77-8a2b-9bc9b953bd6d
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Act No. of PDM.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Update of SACCO Enterprise and Household Registers No. of.PDM SACCOs that did not have a PDM member registers = -. , Update of SACCO Enterprise and Household Registers No. of.No. PDM SACCOs that did not have updated PDM member registers = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = -. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements - = . , Vote code. = . , Entity Name Os the ies Act No of.PDM SACC Os that were not regist ered under the Coope rative Societ ies = . , Regis tratio n of PDM SACC Under Coope rative
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f7c3dd62-230f-4e51-af56-19982fafb8ed
|
4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . 72, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . 72, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements - = . , Vote code. = . , Entity Name Os the ies Act No of.PDM SACC Os that were not regist ered under the Coope rative Societ ies = . , Regis tratio n of PDM SACC Under Coope rative Societ.SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Update of SACCO Enterprise and Household Registers No. of.PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers No. of.No. PDM SACCOs that did not have updated PDM member registers = -. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs
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03924ced-fd8b-4e69-b611-3ff6899679ad
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4 |
6.3.4
The LG and more specifically the TILED department shall support the Office of the registration process.
The PDM Enterprise Groups shall be registered the Community Development Officers at the Sub-County as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO by
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
A SACCO shall sign PRF Financing Agreement with the Accounting Officer . The purpose of this Agreement is to formalise the relationship between Government and the PDM SACCOs.
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The Accounting Officer shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasised by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
Imade the following observations;
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d081e5cd-3a32-4423-ac31-a1dfb79dec92
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No of.SACC Os that were not regist ered the ies Act. = Rwampara DLG. , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before
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01282770-7b0d-4d3e-98af-d5cf227703b6
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that signed PPRF before the first AGM = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = 10. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements - = . , Vote code. = . , Entity Name Os the ies Act No of.PDM SACC Os that were not regist ered under the Coope rative Societ ies = . , Regis tratio n of PDM SACC Under Coope rative Societ.SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = 138. , Update of SACCO Enterprise and Household Registers No. of.PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers
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f) Registration of Enterprise Groups as Community Based Organizations
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO.
6,181 Enterprise groups in 460 PDM SACCOs in 18 LGs were not registered by the Community Development Officers at the Sub County as Community Based Organizations (CBOs) .
Irregularities in registration of Enterprise Groups could lead to loss of PRF due to; funding illegitimate, Enterprises.
The Accounting Officers attributed this to scepticism by the community that led to nonresponsiveness and inadequate funding for printing certificates.
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41458498-5e84-433d-ae4a-e228b0b5faee
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Household Registers.No. of PDM SACCOs that did not have a PDM member registers = 8. , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = -. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = -. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.that signed PPRF before the first AGM SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF
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0fe24ee8-e4b3-4e8a-a251-87ebc7338cac
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.agreements = . 113 114, Vote code.No. of SACCOs. = 904 50 905 0. 113 114, Entity Name Regis tratio n of PDM SACC Os the Societ ies Act No of.SACC Os that were not regist ered the ies Act. = Namayingo DLG Namisindwa. 113 114, Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = 0 50 10. 113 114, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . 113 114, Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = 269 0. 113 114, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = 0 -. 113 114, Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM
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49f28f77-62c2-4d0f-8945-2353283b40a2
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
a PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs that signed PPRF before the first AGM 10 = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM No. of
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dfff652d-0ec4-445a-88d9-18d54c6e6f6e
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4.1.2.7 Registration of PDM SACCOs and Enterprise Groups
1, Nature = registration Licensing of SACCOs Under Microfinance Institutions Lenders Act. 1, = of Observations PDM All SACCOs were not licensed to take the on the business of lending under Microfinance Institutions Money Money Lenders Act as detailed in Appendix 10. As result, enforcement of recovery of PRF from beneficiaries by the PDM SACCOs may be legally challenged leading to loss of funds.. 1, Management Response = The Accounting Officer explained that the SACCOs are registered under cooperative societies Act and are on their probationary period to acquire licenses from Microfinance Institutions that allows extending they. 2, Nature = Update of Enterprise Household Registers. 2, = SACCO AII SACCOs did not update PDM and member registers contrary to the guidelines. Failure to update PDM member registers may result to extending PRF loans to ineligible beneficiaries leading to failure to achieve pillar. 2, Management Response = The Accounting Officer explained that the new beneficiaries are admitted to the SACCOs at the Annual General Meeting and registers will be update:. 3, Nature = Signing of Financing Agreements. 3, = objectives. PRF PRF financing agreements were not availed at the time of audit and I could not ascertain if PRF funds Were transferred to the SACCOs before signing the PRF Financing Agreement. Transfer of PRF to SACCOs without PRF financing agreements could lead to funding illegitimate SACCOs. 3, Management Response = The Accounting Officer explained that the PRF Financing Agreements were signed by AO before funds were transferred to the SACCOs however the Financing Agreements were submitted to State Attorney for witness at the
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c292727b-4145-49e0-9acc-54d2defe6041
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = 0. 146 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = 10. 146 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements - = 1,000,000,000. 147 0, Vote code. = 855 Kasanda DLG. 147 0, Entity Name Os the ies Act No of.PDM SACC Os that were not regist ered under the Coope rative Societ ies = . 147 0, Regis tratio n of PDM SACC Under Coope rative Societ.SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = 0 92. 147 0, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = 0. 147 0, Update of SACCO Enterprise and Household Registers No. of.PDM SACCOs that did not have a PDM member registers = 10 0. 147 0, Update of SACCO Enterprise and Household Registers No. of.No. PDM SACCOs that did not have updated PDM member registers = 10 0. 147 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . 147 0, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM
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72a9a958-aa8f-4a6c-b44b-6df098b53210
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Mbarara City. 7 8, Regis tratio n of PDM SACC Os Under the Coope rative Societ ies Act No of PDM.SACC Os that were not regist ered under the Coope rative Societ ies Act. = - 0. 7 8, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act.No. of PDM SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = 10. 7 8, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = 0. 7 8, Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = 58 0. 7 8, Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = 10 10. 7 8, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = 10 10. 7 8, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.No. of PDM SACCOs without signed PRF financin g agreem ents = - 0. 7 8, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that AGM = 10 0 0. 7 8, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.signed PPRF before the first SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = - 0. 7 8, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of
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7023e567-eedb-41b9-966c-ab552c0aa6e8
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e) Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
10,589 SACCOs that received PRF funding in the FY 2023/24 were not licensed to take on the business of lending under Microfinance Institutions money lenders act.
As a result, enforcement of recovery of PRF funds from beneficiaries by the PDM SACCOs may be legally challenged leading to loss of funds.
The Accounting Officers of LGs explained that the SACCOs were still under the probationary period and there was delayed release of guidance on licensing of PDM SACCOs by the PDM Secretariat. However, on verification I noted that the two (02) year probationary period had elapsed.
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9f76a18a-fd79-4815-970b-a431fa92962e
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5.5.1 Registration of PDM SACCOs and Enterprise Groups
Paragraph 2.6.2, 2.6.3, 3.10 of Users' Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions Money Lenders Act, 2016 requires that;
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
34
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO.
A SACCO shall sign PRF Financing Agreement with the Accounting Officer. The purpose of this Agreement is to formalise the relationship between Government and the PDM SACCOs.
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The AO shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasised by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
I made the following observations;
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b3960ad1-82f7-4faf-bf9a-74414e99b42c
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = -. 45, Vote code. = 820. 45, Entity Name Os. = Bulisa DLG. 45, Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = -. 45, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = 122. 45, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = 0. 45, Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = 122. 45, Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = 0. 45, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = 0. 45, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = 0. 45, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = 0. 45, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.that signed PPRF before the first AGM SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = 109
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dec0f2d7-2f1a-4be8-b479-6a97cc905376
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5.4.1 Registration of PDM SACCOs and Enterprise Groups
Paragraph 2.6.2, 2.6.3, 3.10 of Users' Handbook for the Parish Revolving Fund (PRF) under PDM Pillar 3 - Financial Inclusion October 2022; and Section 36(1, 2 &3) of Tier 4: Microfinance Institutions Money Lenders Act, 2016 requires that;
The LG and more specifically the TILED department shall support the Office of the Registrar of Cooperative Societies at the MoTIC, to complete the PDM SACCO registration process.
A SACCO shall not carry on the business of provision of financial services to its members unless it is a registered society and licensed under this Act or it is operating on a probationary period pending registration under the Cooperatives Societies Act or it has applied for a licence under this Act.
The PDM Enterprise Groups shall be registered by the Community Development Officers at the Sub-County, as a Community Based Organization. A copy of the certificate of Registration of the Enterprise Group (together with details of the members of the Group) shall be sent to the Chairperson of the PDM SACCO and to the DCO.
A SACCO shall sign PRF Financing Agreement with the Accounting Officer. The purpose of this Agreement is to formalise the relationship between Government and the PDM SACCOs.
38
The Chairperson PDM SACCO shall from time to time update the PDM Member Register and at any available General Meeting shall present the new members to the general assembly for admission into the PDM SACCO
The AO shall submit an Attestation Form to confirm that the PDM SACCO was formed in accordance with the issued PDM Pillar 3 guidelines. This was further emphasised by the PSST in the budget execution circular for FY 2022/2023 dated June 2022.
I made the following observations;
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d0d1b0d4-780f-4b4b-bd2d-62d8d0443f40
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Act. = 0. , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act.No. of PDM SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = 248. , Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . , Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers that signed PPRF before the first AGM = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = 0. , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs
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8c8b9750-f9a9-4886-8fca-0cbb1bd90616
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
Household Registers.No. of PDM SACCOs that did not have a PDM member registers = . 14, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . 14, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.No. of PDM SACCOs without signed PRF financin g agreem ents = . 14, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that AGM = . 14, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.signed PPRF before the first SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = . 14, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received funds before signing PRF financing agreemen ts = -. 14, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = -. 14, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = -. 14, Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = -. , Vote
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2fda8094-ea9d-4d84-bfab-4e8214da8982
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
code. = 705. , Entity Name. = Iganga MC. , Regis tratio n of PDM SACC Os Under the Coope rative Societ ies Act No of PDM.SACC Os that were not regist ered under the Coope rative Societ ies Act. = -. , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act.No. of PDM SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = 11. , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = 0. , Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = 4. , Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = 0. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.No. of PDM SACCOs without signed PRF financin g agreem ents = 0. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements that AGM = 0. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.signed PPRF before the first SACCOs whose SACCO bank account number was not capture d in the signed PRF Financi ng Agreem ent = 0. , Signing of PRF Financing Agreements Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs that received
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6d66fb28-acef-46b9-bc03-c3de16244f81
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
received before PRF agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . , Vote code. = . , Entity Name Os. = . , Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = . , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . , Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = . , Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . , Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = . , Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = . , Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.that
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3bc86bf4-6eb1-4f91-a56e-bef345635af5
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Appendix 12: Registration of PDM SACCOs and Enterprise Groups
No of.SACC Os that were not regist ered the ies Act. = Rukiga DLG. , Under Coope rative Act PDM.under Coope rative Societ SACCOs that were not licensed to take on the business of lending under Microfinance Institutions money lenders act = 0. , Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders No. of PDM.No. of Groups that are not as y Based ons = . , Registration of Enterprise Groups as Community Based Organizations.Enterprise registered Communit Organizati = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.No. of PDM SACCOs that did not have a PDM member registers = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.that did not have updated PDM member registers = . , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financin g agreem ents = 0. , Update of SACCO Enterprise and Household Registers Signing of PRF Financing Agreements No. PDM SACCOs No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM Amount of PRF received before PRF.SACCOs without signed PRF financing agreements that signed PPRF before the first
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2a004557-19d5-47e4-ae54-86ead1a71994
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4 |
Appendix 12: Registration of PDM SACCOs and Enterprise Groups
agreements = . 51, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.Amount of PRF received before PRF agreements = . 52, Vote code. = . 52, Entity Name Os. = . 52, Regis tratio n of PDM SACC Under the Coope rative.Societ ies Act No of PDM SACC Os that were not regist ered under the Coope rative Societ ies Act. = -. 52, Licensing of PDM SACCOs Under the Microfinance Institutions Money Lenders Act No. of PDM SACCOs that.were not licensed to take on the business of lending under Microfinance Institutions money lenders act = . 52, Registration of Enterprise Groups as Community Based Organizations.No. of Enterprise Groups that are not registered as Communit y Based Organizati ons = 0. 52, Registration of Enterprise Groups as Community Based Organizations.No. of SACCOs. = . 52, Update of SACCO Enterprise and Household Registers.No. of PDM SACCOs that did not have a PDM member registers = . 52, Update of SACCO Enterprise and Household Registers.No. PDM SACCOs that did not have updated PDM member registers = . 52, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financin g agreem ents = -. 52, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.SACCOs without signed PRF financing agreements = -. 52, Signing of PRF Financing Agreements No. of PDM Amount of PRF transferred to PDM No. of PDM SACCOs No. of PDM No. of PDM.that signed PPRF before
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c4634564-a046-46e6-bb34-ffbe3dab65d0
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