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Minister Kitutu appears before Anti-Corruption Court

Minister Mary Goretti Kitutu, the Karamoja Affairs Minister is this afternoon set to appear before the Anti-Corruption Court over corruption and mismanagement of iron sheets that were meant for the unprivileged people in Karamoja.
Kitutu arrived at court following the joint investigations which were carried out by the Directorate of Criminal Investigations and the inspectorate of government. Last week, she confessed to diverting 3000 iron sheets for the Karamajongs.
Appearing before the Presidential Affairs Committee of Parliament Kitutu accepted responsibility for the mismanagement of iron sheets procured for the vulnerable in the sub-region.


“Some of the iron sheets were used to roof a boys’ dormitory in Situmi Primary School, Namisindwa district. The school lacked a store, hence storing them at a relative’s house,” she said.


She apologized to the committee and parliament noting that she was never guided about the project.
Kitutu requested for 12,200 iron sheets to aid her in community mobilization and peace-building missions in Karamoja.
Her January 12, 2023, internal memo to the stores’ department at the OPM read in part, “During community mobilization and peace-building missions, I usually meet vulnerable groups and karuchunas (reformed warriors) who are willing to dissociate themselves from rustling. As part of my intervention, I will be distributing iron sheets to such special vulnerable groups.”
Last month, security operatives nabbed Cotilda Kitutu, Michael Nabwaya, and Julius Wabule. The accused are the mother, brother, and nephew of Minister Kitutu. The three were allegedly selling OPM-branded iron sheets to residents of Namisindwa district, in eastern Uganda.
Kitutu is among the top ministers who benefited from the iron sheets which were allegedly meant for people in Karamoja. The ministers involved in the scandal include; Rebecca Kadaga, Jacob Oboth Oboth, Hamson Obua, Amos Lugolobi, Matia Kasaija and others.

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Charles Mulindwa appointed Dfcu Bank Managing Director

Dfcu Bank Limited has appointed Mr. Charles M. Mudiwa as Managing Director and Chief Executive Officer, effective April 1, 2023.

Charles brings on board over 26 years of experience in banking, with strong business leadership, success in turning around businesses and increasing business profitability.

He takes over the leadership of the Bank at a critical time as we implement our enhanced customer-obsessed strategy to transform lives and businesses with innovative solutions and empowered people.

He is a change agent who believes in providing the best enabling environments for all employees and has been instrumental in their growth to leadership at all levels.

A staunch champion for gender and diversity, he is passionate in ensuring that equal opportunities are available for all staff.
On the announcement of Charles’ appointment, Board Chair Dr. Winifred Tarinyeba Kiryabwire remarked, “Charles is a visionary leader who has led financial institutions in various African economies with remarkable success. We welcome him to Uganda and to the dfcu family.”

Prior to his appointment to the Bank, Charles had a 20-year remarkable journey at Standard Bank Group as CEO of Stanbic Bank Kenya Limited, CEO of Stanbic Bank Zambia Limited; CEO of Standard Bank Malawi and Director Mass Markets at Standard Bank South Africa amongst other roles.

He has previously served on the Boards of Stanbic Bank Zambia and Kenya, Standard Bank Malawi Ltd; Standard Bank Insurance Brokers of South Africa, Edu-loan Limited South Africa, and Agribank Zimbabwe.

Charles is the past founding Chairman of Liberty Insurance Company (Zambia Ltd) and past Chairman of the Bankers Association of Zambia. In 2021 he was recognised among the Top 50 Reputable Bank CEO’s in Africa by Reputation Poll International.

Africa Leadership Magazine in 2022 also awarded him the Special African Banking Leadership Excellence Award.

He holds an Honours Degree in Economics from the University of Zimbabwe, Post Graduate Diploma in Leadership & Change Management from Leeds Metropolitan University (UK); Advanced Management Programme and Certificate in Digital Transformation & Enterprise Leadership from the Columbia Business School (USA), and a Banking Certificate from the Institute of Bankers of Zimbabwe, among others.

Charles is a certified executive coach and holds a Practitioners’ Diploma in Executive Coaching from the Academy of Executive Coaching (UK).

He is a member of the Institute of Bankers of South Africa.

Charles is an active Rotarian and served as the Past President of the Rotary Club of Lusaka, and as the Director of Fundraising and Foundation at the Rotary Club of Nairobi Muthaiga North. Additionally, he was the Patron of Rotary Club of Nairobi Samawati, a corporate chapter at Stanbic Bank Kenya.

Charles believes in family and is a committed husband and father. He is an avid reader, an amateur chef, enjoys good music and art. Charles also serves as a Trustee of Ridgeways Baptist Church in Nairobi.

“I am happy and honored to join the dfcu team. Building on Dfcu’s strong foundation, I look forward to creating sustainable value for our stakeholders and customers thereby contributing to the growth and development of Uganda, the Pearl of Africa,” Charles said.

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UDB launches finance facility to promote climate-smart agriculture

UDB Managing Director Patricia Ojangole,Ramadhan Ggoobi, Permanent Secretary/Secretary to the Treasury and other guests during the high level launch.

Uganda Development Bank has launched the UDB Climate Finance Facility (CFF), a strategic Fund that will make available affordable finance that aims to promote climate-smart agriculture, ensure climate resilient infrastructure and low carbon industries.

Uganda Development Bank (UDB) Managing Director Patricia Ojangole said the increasing threat of climate change and environmental degradation has the potential to present high socio-economic risks to the economy.

 “As the impacts continue to manifest through floods, drought, landslides, animal and crop epidemics among other signs in different parts of the country, they are more deleterious to the poor and marginalized who depend largely on natural resources for their livelihoods,” Ojangole said while at the high-level launch held at Mestil Hotel in Kampala.

Over 70% of Ugandans depend heavily on micro, small, and medium enterprises (MSMEs) for employment, and these generally have less capacity to withstand financial shocks.

“The vulnerability of Uganda’s population requires the urgent need to adapt and maintain future economic growth opportunities by transitioning to a low carbon (green) economy. This will require massive investment in green technologies. Green finance will be central to providing the flows of capital required. This is primarily driven by the fact that most green technologies are characterized by high capital intensity and consequently high upfront financing requirements,” Ms. Ojangole added.

As a financial intermediary, the Bank will stimulate green economic growth by coordinating green financing options, mobilizing and increasing access to green finance by structuring and providing tailored products to address market gaps including risk mitigation products, and providing the right products to address investment demand in the green sector.

“I would like to thank UDB for this intervention. Without appropriate funding, we cannot build the capacity to adapt to these impacts, to mitigate these impacts, or even build resilience. Am delighted that financial institutions are starting to realize their role in the climate change agenda and strategically getting involved,” Mr. Ramadhan Ggoobi, Permanent Secretary/Secretary to the Treasury said.

The initiative will foster climate-conscious change in investments with a clear objective of building climate resilience among the businesses supported. The intention is to build climate-proof businesses as this is a better strategy for building long-term viable enterprises that are adaptive to climate impacts and seek a low-carbon development pathway.

The move to create a Climate Finance Facility builds on the Bank’s successful initiatives to foster innovation, engender holistic sustainability, and increase interest in green technologies. In line with the Bank’s priority sectors, the facility shall target investments in Climate Smart Agriculture, Low Carbon Industries, Climate Resilient Infrastructure, and cross-cutting projects like sustainable waste management, clean energy – renewable energy and energy efficient projects, sustainable water resources management, eco-tourism, and related investments.

“There have been commendable efforts by the Government in establishing structures and policies to advance climate action. Progress is ongoing in scaling up local community solutions to manage climate impacts. However, it is now time for financial institutions and private sector players to get involved. That’s why we are committing Shs50 billion towards the capitalization of this facility. This is expected to grow with support from various partners over time,” Ms. Ojangole concluded.

The beneficiaries will also be exposed to the Bank’s Green Investment Advisory as well as the Project Preparation Support to make them bankable but more importantly, grow them to become viable green businesses.

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UPDF denies negotiations with DRC on behalf of M23 rebels

Brig. Kulayigye.

The Uganda Peoples Defense Forces (UPDF) has denied allegations that Uganda is negotiating with the Democratic Republic of Congo (DRC) government on behalf of the M23 rebels. The concern arose following a statement from a one citizen on social media alleging UPDF was negotiating with Kinshasa on behalf of M23.

“Word on street: Uganda is allegedly negotiating with Kinshasa on behalf of M23.I wouldn’t be surprised if Kinshasa, especially, UDPS has chosen to keep this off radar because it’s not in their benefits, maybe the reason why yesterday, Muyaya said that DRC will never negotiate with M23,” the citizen stated.

UPDF spokesperson Brig. Felix Kulaigye discredited the allegations and termed them a hoax aimed at diverting attention from bilateral achievements toward peace.

 “Uganda is not mandated to negotiate on behalf of the M23 because the Conclave of East African (EAC) Heads of State has already chosen a political facilitator, the former Kenyan President Uhuru Kenyatta,” Kulaigye clarified.

He further stated that its deployment in DRC is part of the EAC regional force, which is tasked with enforcing the cessation of hostilities between the Armed Forces of the Democratic Republic of Congo (FARDC) troops and M23 and monitoring their withdrawal to designated containment areas.

“The only bilateral security arrangement we are handling with DRC is operation Shujja,” Kulaigye said.

Reports of negotiations between Uganda and DRC came just two days after Ugandan troops began patrolling Rutshuru territory, which is under the control of M23 rebels. Some members of the public had hoped for a gun battle between UPDF and M23, but M23’s military spokesperson, Major Willy Ngoma, welcomed the troops and showed readiness to withdraw.

President Museveni on Thursday, March, 30 clarified that the deployment of more Uganda Peoples Defense Forces (UPDDF) in Democratic Republic of Congo is to keep peace but not battling the M-23 rebels.

Museveni clarified, “we are not going to battle or fight the M-23. The Congo government and the M-23, have agreed to a peace plan. This involves cessation of hostilities (fighting), withdrawal of the M-23 from some of the specified areas they had captured to other areas that have been agreed upon, etc.”

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Absa Bank Uganda plants trees in Kabanyolo to mark Makerere University’s 100th year anniversary

Absa bank staff planting trees to mark 100 years of Makerere University.

Staff from Absa Bank Uganda have planted 300 trees and adopted 100 indigenous trees at the Makerere University School of Forestry, Environmental and Geographical Sciences Botanical Garden which is found at Makerere University Agricultural Research Institute Kabanyolo, as part of the activities to celebrate 100 years since the establishment of Makerere University (Mak@100) and 50 years of Forestry Training.

The College of Agricultural and Environmental Sciences – under the stewardship of the School of Forestry, Environmental and Geographical Sciences – is establishing a 30-acre Botanical Garden at Kabanyolo, Wakiso district with a vision to be the leading centre of excellence in in-situ conservation of indigenous plant species in Uganda.

Robinah Mukasa Kamuntu, Absa Bank Uganda’s Head of Communications and Citizenship, said, “As a pan-African bank, we are honoured to be partnering with the School of Forestry, Environmental and Geographical Sciences to advance the growth and development of Uganda’s green spaces and overall natural environment. It is through partnerships like these that both the public and private sectors can work together to find solutions to the environmental challenges facing the country and the continent as a whole.”

The Botanical Garden will serve as a one-stop centre of plant collections of diverse origins, and ecosystem types, and used for training, research, outreach and recreation in Uganda.

Professor Fred Babweteera, the Dean of the School of Forestry, Environmental and Geographical Sciences said, “The work that needs to be done in this field is rather immense and requires a multi-sectoral approach to help us deepen our research into and conservation of the rich and diverse species of flora of Uganda that contribute to the nation’s recognition on the global stage as having an exceptional natural environment, and I would like to thank Absa for being a part of this effort.” He further added that this Botanical Garden will improve air quality and provide other important ecosystem services.

The Principal of the College of Agricultural and Environmental Sciences, Professor Gorettie Nabanoga reiterated the importance of partnerships with the private sector in the quest for ensuring sustainability and addressing environmental challenges. She appreciated Absa Bank for supporting the initiative and staff for physically planting the trees and committing to adopt them. She added, “This proves that environmental consciousness is an important value embraced by Absa and staff.”

The bank’s staff will be allowed to adopt the planted trees to ensure that they are properly nurtured and grow to maturity. Absa Bank strongly believes in not only planting but growing trees to address the current deficit of forest and tree cover in Uganda.

 Robinah said “This is just one of the many efforts we are driving under our citizenship agenda – and specifically the pillar of environmental sustainability. It is also a key element of our wider goal to be a force for good in the communities within which we operate, and we believe we can create a much bigger and more meaningful impact by getting our colleagues to be an integral part of the effort.”

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Gov’t rolls out Shs3.97b for Women’s Entrepreneurs and youth Programs

The Minister of Gender, Labour and Social Development Betty Amongi has launched Shs3.97 billion for Uganda Women’s Entrepreneurship Program and the Youth Livelihood Program.

The funds will benefit the people of Kyankwanzi, Mbarara, Rwampara, Kazo, Ibanda, Kyegegwa, Wakiso, Kamuli, Nebbi, Lira, Bududa and other districts in the country.

Started in 2015, Women’s Entrepreneurship Program is designed to address the challenges women face in undertaking economically viable enterprises including the limited access to affordable credit, limited technical knowledge and skills for business development, limited access to markets as well as information regarding business opportunities.

Launched in 2014, the Youth Livelihood Program was designed as one of the interventions of the Government in response to the high unemployment rate and poverty among the youth in the country.

Since the roll out of the program Shs116 billion has been disbursed to women enterprises and Shs169 billion for youth.

Amongi said Shs34. 7 billion had been recovered and that is what the ministry is disbursing this financial year. In the middle of the third quarter, we had recovery of about Shs9 billion. That means that people are not only borrowing but paying back.

She said cabinet sitting on March 28, 2022, chaired by the President Yoweri Museveni directed that any money that we collect back will now be flowed back into Uganda Women’s Entrepreneurship Program and Youth Livelihood Program.

“Youth and women do not have collateral to borrow. Some of the banks require land title; vehicle logbook to borrow. To benefit from this money, you just need collateral from group members that group members are standing and saying that we are borrowing in a group and within our group will make sure we lend amongst our members and as a group will recover and give it back,” she said.

She said this intervention for the vulnerable community doesn’t need to be anchored on collateral for them to get capital to start businesses. It has also shown that many people out there are willing to work hard so long as they can get a little capital that can give them some leverage to start businesses.

She said the majority of the people who have borrowed this money and utilize it have been able to graduate from Uganda Women’s Entrepreneurship Program and Youth Livelihood Program by borrowing from banks.

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Hoima Airport to be renamed King Kabalega 

New airport that has been named after King Kabalega.

Hoima Airport will be renamed Kabalega after President Yoweri Museveni on Monday rejected a proposal to have the airport named after himself.

The Works and Transport State Minister, Lt (Rtd) Fred Byamukama, presented four potential names for the $309 million Uganda’s second largest inland gateway to the world that is nearing completion.

 The minister, who is also the Bugangaizi West Member of Parliament in Kakumiro district, Bunyoro region, said he and his team resolved three names including YK Museveni International Airport, Kabalega International Airport, Kabaale International Airport and Hoima International Airport.

He reported that the names were arrived at after reportedly conducting a local survey in Hoima district.

During the meeting chaired by Vice President (Rtd) Maj. Jessica Alupo, a vote was taken and almost all ministers including Rebecca Kadaga, Jim Muhwezi, Tom Butime and Edward Katumba Wamala among others voted in favour of naming the airport after Museveni

However, Minister Persis Namuganza, the State Minister for Lands, Housing and Urban Development, objected to the suggestion insisting that Kabalega is the best choice given the courage with which Omukama (King) Kabalega of Bunyoro Kitara Kingdom resisted British colonialism among other things that made him heroic.

She said Kabalega’s brand of fighting against can globally be leveraged upon to easily sell Uganda and the airport among tourists seeking to visit the country.

The minister stated that naming the airport after Museveni would seem as though Museveni was trying to establish a cult of personality similar to the African leaders of the 20th century who named national monuments and institutions after themselves like Mobutu Sese Seko of the then Zaire and now the Democratic Republic of Congo, Daniel Arap Moi of Kenya.

Ms Namuganza warned on political sensitivities asserting that naming it YK Museveni would incite anti-Museveni sentiments among the Banyoro, who until now remain nostalgic about their Omukama Kabalega.

Finance Planning and Economic Development Minister who is also the Member of Parliament, for Buyanja County in Kibaale district also in Bunyoro, Mr Matia Kasaija had suggested that they postpone the decision on which name to give the airport so as to first consult President Museveni for his view.

As a result, President Museveni agreed with Ms Namuganza’s concerns and rejected the proposal explaining that in African culture, it is inappropriate to name buildings and institutions after living people.

He also acknowledged that he would be perceived as a selfish and greedy leader who seeks to be gloried while still alive.

Ultimately, it was decided that the Hoima airport project, which is projected to be completed next financial year, would be named Omukama Kabaleega international airport.

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How to Negotiate When Selling Your Business

Are you looking to sell your business? If so, you may wonder how to get the best price possible. Negotiating a successful sale can be a complex process, but it doesn’t have to be. With the proper guidance and preparation, you can negotiate the sale of your business in a way that benefits both parties. In this article, we will discuss some key tips to help you successfully negotiate when selling your business.

1.   Timing

When it comes to selling your business, timing is one of the most important considerations. Therefore, it’s essential to think about the right time to sell and when you should start the negotiation process.

One of the first things to consider is the current market climate. Make sure that the market conditions are favorable and that the right buyers will be interested in your business. It’s also essential to ensure that your business is in a good place with all its financials, accounts, and tax information up to date.

When it comes to negotiating, timing is also essential. You want to give yourself enough time to evaluate potential buyers, get their offers, and negotiate the terms of the sale. You also want to ensure you do not rush into a deal that isn’t beneficial for you. Instead, take the time to research and understand what is fair for both parties.

It would help if you also considered the seasonality of your business. Many businesses have a “season” when sales peak or decline. Be aware of any seasonal trends in the market and plan accordingly.

Timing is critical when it comes to selling your business. Ensure you have all the necessary information, research the market conditions, and give yourself enough time to get the best deal possible.

2.   Costs

When it comes to selling a business, several costs should be taken into account before beginning the negotiation process. These costs can vary depending on the size and scope of the company and can range from legal fees to marketing costs as business owners looking to sell their business usually pay a monthly fee to use services such as online directory pages to generate leads in order to find a qualified buyer these websites tend to list thousands of different business opportunities making it the ideal place to acquire a business for sale.

The most common costs associated with the sale of a business are those related to legal advice, taxation, due diligence, and transfer of assets. It is important to ensure that any legal advice you receive is comprehensive and tailored to your needs. You may also need to cover costs related to taxation, such as capital gains tax or stamp duty. It is essential to ensure you understand these costs in advance and make sure you factor them into your calculations when negotiating the price of the sale.

Due diligence costs will also need to be taken into account, as this process is necessary in order to verify the financial and legal standing of the business. This includes examining the financial records and other documents, such as contracts and leases, to assess their value.

Finally, there will also be costs associated with transferring the business ownership. This includes the cost of preparing documents such as deeds and any other paperwork related to the sale.

By understanding the potential costs associated with selling a business and factoring them into your negotiation strategy, you can ensure that the final agreement is one that is beneficial to both parties involved.

3.   Valuation

When it comes to selling your business, one of the most important factors is determining a fair value. Therefore, it’s essential to have an accurate idea of what your business is worth before you enter into any negotiations. There are many methods for determining the value of a business, but two of the most common are the asset approach and the earnings approach.

The asset approach looks at the total liquidation value of your company’s assets. It considers things like cash, inventory, equipment, and real estate. This method is excellent for companies that have lots of tangible assets or for those that are just starting out.

The earnings approach considers both the current and expected future earnings of your business. This type of valuation is used for businesses with a long history, as well as those with solid growth prospects. It also takes into account factors like market conditions, competition, and economic trends.

It’s essential to take your time when determining the value of your business. Consider using a professional appraiser to help you make an accurate assessment. Negotiating with potential buyers will be much easier if you know exactly how much your company is worth.

Summary

When selling your business, negotiation is an integral part of the process. It’s essential to have a clear understanding of the timing, costs, and valuation of the sale before entering into negotiations. This can help ensure you get the best outcome for your business. It’s also essential to keep a clear head during negotiations and remain patient. Ultimately, successful negotiations can lead to an optimal sale for both parties. By understanding the elements of a successful negotiation, you will be better prepared when it comes time to sell your business. If you would like to learn more about the steps to preparing a business for sale, we recommend you check out the latest business news on our website to keep up with the latest business news and trends.

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Tayebwa welcomes Ssewanyana, Ssegirinya back to Parliament

MPs Ssewanyana and Ssegirinya

Deputy Speaker Thomas Tayebwa has welcomed Makindye West legislator Allan Ssewanyana and Kawempe North MP Muhammad Ssegirinya to Parliament for the first time after nearly two years.

On February 13, 2023, Masaka High Court judge Lawrence Tweyanze granted Shs 20 million bail to the two legislators after spending 524 days in jail.

The two MPs first met Leader of Opposition in Parliament –LoP Mathias Mpuuga who later led them to the Deputy Speaker Thomas Tayebwa’s for guidance before joining their colleagues in the plenary.

“We are happy to be welcoming back our two colleagues, Allan Ssewanyana and Ssegirinya Muhammad. We are always happy when we see our colleagues here being able to join us in the deliberations of this house,” Tayebwa said during the plenary.

The two MPs and four other suspects are accused of terrorism contrary to sections 7 (1) and (2) (d) and (d) of the Anti-Terrorism Act 2002 in count one, aiding and abetting terrorism contrary to section 8 of the Anti-Terrorism Act 2002 in count two, murder contrary to sections 188 and 189 of the Penal code Act in Counts three, four, five and attempted murder contrary to section 204 (a) of the Penal code Act.

Prosecution states that the two legislators together with other suspects -some on remand and others still at large on August 2, 2021, allegedly killed Joseph Bwanika, a resident of Kisekka Village in Kisekka Sub County in Lwengo District.

It is further alleged that on August 23 at Ssettaala Village in Masaka City, the MPs and their co-accused persons killed Francis Mugerwa Kiiza aka Nswa, Sulaiman Kakooza and Tadeo Kiyimba.

The MPs are also accused of attempting to kill Ronald Ssebyoto, a resident of the same area. They are also accused of financing the killings in the Greater Masaka region.

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Coca-Cola Beverages Uganda, NUDIPU partner to support disabled girls in schools

Coca-Cola Beverages Uganda (CCBU) has handed over a cheque of Shs10 million for the training and economic inclusion of women with disabilities.

The money, which was handed over to the National Union of Disabled Persons of Uganda’s (NUDIPU) CEO Esther Kyozira, will be used to support a project in which several women with disabilities will be trained to make reusable sanitary towels that will support retention of girls in school by promoting menstrual hygiene.

NUDIPU is an umbrella organization that advocates for the inclusion of Persons with Disabilities and their concerns in the mainstream development processes. The organisation was established in 1987 to provide support to people with all forms of disabilities such as the lame, deaf, visually impaired, and autistic among others.

A study by UNESCO found that 1 in 10 girls in Sub-Saharan Africa miss school while on their period with some girls missing as much as 10-20% of school days during a school term.

Esther Kyozira, NUDIPU CEO, said that people with disabilities, including herself who is visually impaired, are grateful for the collaboration that will not only improve women’s livelihoods but will also help to keep young girls in school.

 Such collaborations, she said, should be adopted by other corporate organisations as a measure through which people with disabilities are equipped with skills to improve their disposable and household incomes instead of relying on handouts for survival.

“We are grateful that CCBU is making a difference in the lives of persons living with disabilities. This is a collaboration that will benefit many of our people for many years to come. Disability is not inability; we only need a helping hand, sometimes, to make our lives better, she concluded.

Speaking at the handover in Kampala, Nimusiima said Coca-Cola Beverages Uganda aims to create greater shared opportunity for the business and the communities it serves across the value chain through economic inclusion initiatives such as the support for training and skilling of women and girls.

 “Opportunity is more than just money, it’s about a better future for people and their communities everywhere on the African continent,” said Nimusiima.

“We aim to create inclusive growth opportunities for women, youth, and people with disabilities by defining a consistent way of implementing economic inclusion programmes, drawing on leading practice for implementing these programmes.

“Whether donating money, our time or our expertise, we take our responsibility to the communities we call home seriously,” Nimusiima said.

Whereas CCBU will be providing funds to support sourcing of trainers, purchase of project inputs, and promotion of branding and visibility, NUDIPU will be tasked in ensuring proper implementation of the project through identifying and registering women with disabilities to participate in the activities of the project, distributing reusable sanitary pads to the selected schools, and demonstrations on how reusable sanitary pads are made, will be conducted to realize a multiplier effect.

CCBU is committed to supporting communities by empowering women, youth and people with disabilities. Last year, the company supported the National Association of the Deaf in Mukono district and Makerere Deaf Community with the fridges as a way of improving their businesses and livelihoods.

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