Refugee Empowerment and Development Network RED-Net

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RED-NET a Refugee-Led organization advocating for the protection and advocacy of refugee rights and empowering refugee and host through sustainable livelihood, social economic transformation, mental health, Climate Adoption and environmental conservation

RED-NET Financial Literacy Training on Savings for Smart Women Investors’ Association MembersToday, Refugee Empowerment ...
17/09/2026

RED-NET Financial Literacy Training on Savings for Smart Women Investors’ Association Members

Today, Refugee Empowerment and Development Network RED-Net successfully concluded a financial literacy training on for members of the Smart Women Investors' Association , a refugee-led women’s association. The training equipped participants with practical knowledge and skills on the importance of saving, keeping savings safe, understanding interest, and being aware of the costs associated with different saving options.

The facilitator MR YAKANI our Field Coordinator encouraged members to make saving a habit and to set clear financial goals and purposes for their savings. Participants were also challenged to identify and reduce unnecessary expenses in order to increase the amount they can save. Having specific goals, such as education, business investment, emergencies, or household needs, can help individuals remain committed to their savings plans.

A key lesson was the importance of teaching children to save from an early age. For example, instead of immediately spending UGX 350,000 to buy a child a bicycle, parents can provide a savings box and regularly give the child UGX 5,000, 10,000, or 20,000 to save toward the bicycle. When the savings reach the required amount, the child can open the savings box, with a small top-up from the parent if needed, and purchase the bicycle. This practical approach can help children develop a culture of saving, goal-setting, and responsible spending.

Bank of Uganda
International Development Law Organization - IDLO
SIHA Network
Arua City Council
Ayume Francis Lo Baba

awareness
16/09/2026

awareness

YOU , !Today, Refugee Empowerment and Development Network RED-Net concluded an engaging Financial Literacy Training...
11/09/2026

YOU , !

Today, Refugee Empowerment and Development Network RED-Net concluded an engaging Financial Literacy Training on LOAN MANAGEMENT, facilitated by our Field Coordinator MR YAKANI for Nina Sawa Women Saving Group members in Dadamu Village.

The highlight of the session was a powerful debate:

“Taking a Loan Is the Best Way of Improving One’s Financial Wellbeing.”

Members went head-to-head, giving practical reasons for and against taking loans, drawing from their own experiences and understanding of borrowing.

The facilitator reminded members that not every loan is a good loan. Participants were challenged to watch out for aggressive lenders and never feel pressured into borrowing without understanding what they are signing up for.

Before accepting any loan, ask:

✅ What is the interest rate?
✅ What are the terms and conditions?
✅ When does repayment begin?
✅ How much will I pay in each instalment?
✅ Can I realistically afford the repayment?

“You have the right to understand.”

can create opportunities—but borrowing without understanding can create financial stress.

RED-NET: Empowering communities with knowledge for better financial decisions.

Bank of Uganda
UN Women
International Development Law Organization - IDLO
UNHCR, the UN Refugee Agency
SIHA Network
MEMPROW Uganda
Arua City Council
Uganda Registration Services Bureau
Embassy of Sweden in Kampala
Ayume Francis Lo Baba

SMART. INVEST WISELY. REPAY RESPONSIBLY.Yesterday, Refugee Empowerment and Development Network RED-Net concluded a Fi...
11/09/2026

SMART. INVEST WISELY. REPAY RESPONSIBLY.
Yesterday, Refugee Empowerment and Development Network RED-Net concluded a Financial Literacy Training on Loan Management with Smart Women Investors' Association , a refugee women-led association.

Our Field Coordinator and facilitator challenged members to be extremely careful with aggressive lenders and, most importantly, to understand every loan term and condition before signing or accepting the money.

“You can't and will never understand everything within five minutes as far as a loan is concerned.”

The discussion became practical when members shared their own borrowing experiences. One member revealed that she borrowed money to invest in poultry farming, but after all the chickens died, she was left paying the loan using money meant for feeding and household needs.

The lesson is simple: A loan is not free money. Borrowing without proper risk assessment can turn an investment opportunity into a financial burden.

Before taking a loan, understand the cost, assess the risk, plan repayment and ask questions.

RED-NET continues to empower communities with the knowledge and skills needed to make informed financial decisions.

Bank of Uganda
UNHCR, the UN Refugee Agency
UN Women Africa - ONU Femmes Afrique
Ayume Francis Lo Baba
SIHA Network
UN Women
Uganda Registration Services Bureau
MR YAKANI
Arua City Council
FIDA Uganda

DIGITAL SECURITY IS EVERYONE’S RESPONSIBILITY!Today, Refugee Empowerment and Development Network RED-Net successfully c...
09/09/2026

DIGITAL SECURITY IS EVERYONE’S RESPONSIBILITY!

Today, Refugee Empowerment and Development Network RED-Net successfully completed a two-day Digital Security Workshop organized by MEMPROW Uganda, gaining practical knowledge on how to stay safe, protect information and responsibly navigate the digital world.

Our Field Coordinator MR YAKANI participated in the workshop and gained valuable practical insights that will be shared with communities through continued awareness and engagement.

As RED-NET, we are committed to taking this knowledge beyond the workshop by raising digital-security awareness among refugees and host communities and promoting safer digital spaces for everyone.

🌐Learn. Protect. Share. Stay Safe Online!

International Development Law Organization - IDLO
Mastercard Foundation
UNHCR, the UN Refugee Agency
Ayume Francis Lo Baba

We are grateful for opportunity to participate in a two day Digital Security Workshop organized by . Day one was succes...
08/09/2026

We are grateful for opportunity to participate in a two day Digital Security Workshop organized by . Day one was successful and we were fully represented by our Field Coordinator MR YAKANI .

This training will help us in our programing and also ensure that Digital security awareness and capacity building shall be prioritized to ensure that the communities we engaged with have knowledge of handling their data, devices and dedicate pish information that will endangered their accounts and data.

RED-NET FINANCIAL LITERACY TRAINING | PERSONAL FINANCIAL MANAGEMENT & BUDGETINGToday, the Refugee Empowerment and Develo...
03/09/2026

RED-NET FINANCIAL LITERACY TRAINING | PERSONAL FINANCIAL MANAGEMENT & BUDGETING

Today, the Refugee Empowerment and Development Network RED-Net Field Coordinator successfully facilitated a Financial Literacy Training session for members of Smart Women Investors' Association , focusing on Personal Financial Management and Budgeting.

The session emphasized the importance of making deliberate and informed financial decisions, planning before spending, and developing a realistic budget that helps individuals and families meet their needs, manage their wants, save consistently, and invest for the future.

During the training, members were introduced to the 50:30:20 budgeting rule, which encourages individuals to allocate their income as follows:

🔹 50% – Basic Needs: Food, housing, education, healthcare, transport and other essential expenses.
🔹 30% – Wants: Non-essential expenses such as entertainment, leisure, shopping and other personal desires.
🔹 20% – Savings: Money set aside for emergencies, future goals and financial security.

The facilitator also shared an alternative faith-based approach to financial management, encouraging members who follow the approach to consider allocating their income as follows:

🙏 50% – Basic Needs
⛪ 10% – Tithe
💰 10% – Savings
📈 20% – Investment
❤️ 10% – Giving

The facilitator challenged members to plan before they spend, understand where their money goes, differentiate between needs and wants, and avoid unnecessary or impulsive expenditure.

Members actively shared their personal experiences, including challenges related to excessive spending and difficulty maintaining a budget. Through the discussions, participants reflected on their spending habits and committed themselves to reviewing their expenses, developing realistic budgets and strengthening their saving and investment practices.

“If you don't plan your money, your money will be planned for you.”~Mr Yakani

RED-NET continues to promote financial literacy, economic empowerment and resilient livelihoods among communities by equipping individuals and groups with practical knowledge and skills to make informed financial decisions.

When individuals learn to manage their money wisely, they are better positioned to , invest, respond to emergencies, grow their livelihoods and build a more secure future for their families and communities.

BBank of Uganda
International Development Law Organization - IDLO
Ayume Francis Lo Baba
Arua City Council
UNHCR, the UN Refugee Agency
UN Women

RED-NET Strengthens Financial Literacy Through Loan Management Training for Community Saving GroupsToday, the Refugee Em...
02/09/2026

RED-NET Strengthens Financial Literacy Through Loan Management Training for Community Saving Groups

Today, the Refugee Empowerment and Development Network RED-Net continued its commitment towards promoting financial inclusion and economic empowerment among refugee and host communities by conducting a focused on Loan Management for members of Kakuwa Adungu Club Arua -KACA and Loketa Saving Group.

The training was facilitated by the RED-NET Field Coordinator MR YAKANI , who equipped participants with practical knowledge on responsible borrowing, effective loan utilization, and strategies for managing loans successfully.

During the session, participants were encouraged to carefully assess their financial capacity before taking loans and only choose loan amounts that they can realistically manage and repay without putting unnecessary pressure on their households or businesses.

The facilitator cautioned members against engaging with aggressive lenders who may use unfair practices, hidden charges, or pressure tactics to push individuals into borrowing beyond their ability to repay. Members were reminded of the importance of choosing trusted financial service providers and making informed decisions.

Participants were further encouraged to always and understand loan terms and conditions before signing any agreement. The facilitator emphasized that borrowers have the right to ask questions and seek clarification from lenders whenever they do not understand any part of the loan agreement, including interest rates, repayment schedules, penalties, and other related costs.

The training highlighted that responsible loan management is not only about accessing credit but also about ensuring that loans contribute positively to personal growth, business development, and improved livelihoods.

Through initiatives such as these, RED-NET continues to empower communities with essential financial knowledge and skills needed to make informed financial decisions, strengthen saving cultures, and build resilient households.

Bank of Uganda
Mastercard Foundation
International Development Law Organization - IDLO
Ayume Francis Lo Baba
UNHCR, the UN Refugee Agency
UN Women
SIHA Network

This morning, Refugee Empowerment and Development Network RED-Net represented by our Executive Director Mr. Ayume, joine...
30/08/2026

This morning, Refugee Empowerment and Development Network RED-Net represented by our Executive Director Mr. Ayume, joined the people of Arua City for the Rotary Cancer Run 2026 — the 15th edition of this annual campaign that unites Ugandans in the fight against cancer.

For us at RED-NET, this cause is deeply personal. Refugees and host communities face high barriers to accessing cancer information, screening, and treatment. Many cases go undetected due to lack of awareness, stigma, and limited health services. Participating in this run is part of our commitment to sensitization, health promotion, and ensuring no one is left behind in the fight against cancer.

Funds raised from this year's nationwide run will go towards completing the Cancer Centre at Nsambya Hospital in Kampala, which will strengthen access to cancer care for all Ugandans, including refugees.

We thank the people of Arua City for turning up in large numbers to support this noble cause. Together, we can fight cancer.
Arua City Council
Embassy of Sweden in Kampala
United Nations Development Programme - UNDP
Mastercard Foundation
UNHCR, the UN Refugee Agency
World Food Programme
East and Horn of Africa Human Rights Defenders Project
Host Hub Innovation Center
Ayume Francis Lo Baba
Uganda Registration Services Bureau
International Development Law Organization - IDLO
UN Women

29/08/2026

Shout out to my newest followers! Excited to have you onboard! Daniel Solomon, Yakani Lo Olinto

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