Your cooperative benefits, always within reach.
Track your loans, savings, shares and medical insurance in one secure place — built exclusively for JCOS members at Joint Medical Store.
- Secure members-only access
- Real-time balances
- Apply in minutes
Good morning
Amelia Kyomugisha
Active loan
UGX 3.2M
Savings
UGX 1.85M
Shares
UGX 480K
Members #
JMS-4412
Insurance used
65% of UGX 2.5M
Remaining UGX 880K
7
Member services
100%
Self-service, 24/7
2FA
Secured sign-in
UGX
Built for Uganda
What you can do
Everything you need, in one secure place
Self-serve on your key financial and welfare functions, from any device with internet access.
Loans & Repayments
Apply for development, emergency and salary loans online. Track balances, schedules and due dates in real time.
Savings & Shares
Follow your savings balance and share portfolio, review your transaction history and download statements.
Medical Insurance
Monitor your family medical cover, utilisation by beneficiary, and manage registered co-beneficiaries.
Support & Notices
Receive announcements from JCOS, raise support tickets and track them to resolution — all in one inbox.
Loan application · Step 1 of 3
Amount requested
UGX 2,500,000
Monthly instalment (auto-calculated)
UGX 236,399
Based on a 2% per-month reducing-balance rate over 12 months.
Designed around your membership
Apply, track and self-serve — without the paperwork
No more in-person visits to check a balance or submit a form. The portal puts your full cooperative relationship at your fingertips.
Apply online in minutes
Structured loan and refund applications with instant instalment calculations and secure document upload.
See exactly where you stand
Live loan balances, savings, shares and medical-cover utilisation — broken down clearly.
Your data, protected
Members-only access with encryption, audit trails and an optional second factor at sign-in.
Why members trust the portal
Built to the standards of a financial institution
Bank-grade security
Encrypted in transit, hashed passwords, role-based access and an optional one-time-code second factor.
Real-time information
Loan, savings and insurance positions update the moment JCOS processes them — no waiting, no paperwork.
On any device
A responsive, installable portal that works on smartphones, tablets and desktops, from anywhere.
Ready to access your cooperative account?
Sign in to your dashboard, or claim your account with your member number and email.
Get in touch
Have a question? We're here to help.
Reach out to the JCOS secretariat for membership, loan or insurance enquiries. Existing members can also raise tickets from inside the portal.
- JMS Bombo Road, Kampala, Uganda
- +256 706 317 486
- info@jcos.coop