In Uganda’s Ntoroko district, Bweramule Sub-County, a young mother is rewriting her family’s future through saving for health. Yoles Babubema, a 24-year-old expectant mother, knows the challenges that come along with unexpected medical expenses. Having undergone three C-sections, she has faced the difficult reality of struggling to afford quality healthcare. However, she is determined to change that this time.  

Yoles is a proud member of Basambo United Group, a Village Savings and Loans Association group that is being supported by ‘ambassadors’ trained by Enabel to build the capacity of community micro-finance groups on financial management and to embrace saving for health among their members.  

When the Basambo United Group was formed in April 2023, Yoles Babulema was among the first 35 members who believed in its mission: to improve household incomes and bring essential health services closer to the community through sponsoring outreaches.  

Despite her enthusiasm, Yoles was unable to start saving for health immediately when the initiative took off in October 2023. “After the training, I loved the idea, but I simply didn’t have the money to start saving right away,” she recalls. Two months later, in December, she made her first health savings contribution—1,000 UGX, and 6 months later, she managed to save 80,000 UGX.  

Her goal was to save 300,000 UGX before her delivery to avoid the financial hardship she endured in the past. “When I had the last C-section last time, we had to sell land and take out a loan just to cover the medical costs,” she says. The emergency referral to Fort Portal Regional Referral Hospital for specialized care left her family with an 800,000 UGX loan and a staggering 20% interest.  

Determined not to relive that struggle, Yoles is now taking proactive steps. In addition to her savings, she has invested in an annual community health insurance plan introduced by Basambo United Group. For just 50,000 UGX per year, group members can receive treatment at Masindi Medical Center, a private health facility within reach.  

This initiative has made accessing antenatal services more convenient and affordable for her. “It’s a short walk away, so I don’t have to go to the government facility all the time, which can be expensive,” she explains.  

To boost her health savings in the group, Yoles has increased her weekly contribution to 2,000 UGX. As a farmer and occasional produce retailer at Masindi trading center, she carefully balances her income to ensure she meets her weekly savings goals.  

By planning for her medical services, Yoles Babubema is not only securing her health but also paving the way for a better future for her children. She wants to ensure that she does not get into high-interest rate debts again, but rather, a safe and prepared journey into motherhood by embracing saving for health through her Village Savings and Loans Association.