PAYDAY HEIST! Africa Polysack Industries, DFCU Bank Exposed in Brutal “Salary Trap” Scheme—Workers Left Broke Before They Even Touch Their Money
A bombshell whistleblower complaint has detonated in Mukono, laying bare what is being described as a deeply entrenched, calculated and ruthless money-lending racket operating from within the very systems meant to pay workers. At the centre of the storm is Africa Polysack Industries Limited in Kigunga, Seeta, where a shadowy financial web allegedly preys on the most vulnerable employees, trapping them in a cycle of debt so tight that escape appears almost impossible.
The explosive dossier, submitted anonymously to top authorities including the Bank of Uganda, the Ministry of Labour, the Inspector General of Police, the Minister of State for Microfinance Haruna Kasolo, and copied to the Uganda Manufacturers Association, paints a chilling picture of a scheme that is not only illegal but structurally embedded within the company’s payroll and external banking channels. This is not a side hustle gone wrong or a rogue employee taking advantage of loopholes.
According to the complaint, this is a coordinated system involving executive power, financial access, and coercion, working seamlessly to extract money from low-paid workers before they can even lay their hands on their salaries.
Named in the complaint is Managing Director Jackson Twinamasiko, a man said to wield significant control over payroll processes, staff conditions and internal enforcement. Alongside him is Roger Atuhaire, an agent banker operating under Kigunga General Enterprises, linked to DFCU Bank. Together, they are accused of orchestrating a scheme that blends corporate authority with agent banking infrastructure, effectively creating a parallel financial system that operates outside regulatory oversight.
The mechanics of the scheme, as described by the whistleblower, are as disturbing as they are precise. Casual workers earning approximately UGX 330,000 a month are deliberately targeted, their financial vulnerability making them easy prey. They are offered small, quick loans of around UGX 100,000, but at a crushing interest rate of about 40 percent. What initially appears to be relief quickly turns into a trap.
Before accessing the loan, workers are allegedly forced to surrender their National IDs, ATM cards, and PIN numbers. With this, control over their finances is effectively handed over. Then comes the most shocking part. Salaries are processed at night, and almost immediately after the funds hit workers’ accounts, withdrawals are made through the same agent banker. By the time workers attempt to access their wages, the money is already gone.
What follows is a devastating loop. With nothing left to survive on, workers are forced to borrow again, often from the same source, locking them deeper into debt. The system feeds on itself, a closed circuit where money flows in only to be siphoned out instantly, leaving workers perpetually dependent. The whistleblower describes it as a “financial entrapment system with no exit,” sustained by complete control over both payroll timing and access to bank accounts.
At the heart of the scheme lies what is referred to as its “minimum sustaining condition.” The complaint outlines that the operation depends entirely on three factors: concentrated payroll control at the executive level, access to employee funds through agent banking, and the coerced surrender of personal banking instruments. Remove any one of these, and the entire system collapses. But as long as all three remain intact, the cycle continues uninterrupted.
The allegations point to serious violations that cut across labour laws, banking regulations, and criminal statutes. These include conflict of interest at the highest level of management, illegal retention and use of personal identification and banking tools, unlicensed money lending disguised under agent banking, and direct interference with employee wages. The reported interest rates, hovering around 40 percent, are said to far exceed acceptable regulatory thresholds, raising further questions about enforcement and oversight.
What makes the situation even more alarming is the level of coordination described. This is not a case of workers choosing to take risky loans. It is, according to the complaint, a system enforced through economic pressure and control. Workers, many of them casual labourers with limited options, are said to operate under fear, aware that resistance could mean losing their livelihoods altogether.
The whistleblower is now calling for urgent and decisive action. Among the demands are a full investigation into Kigunga General Enterprises and its agent banking activities, a forensic audit of payroll systems at Africa Polysack Industries Limited, and the immediate suspension of any banking arrangements that enable salary interception. There is also a call for the return of all confiscated National IDs, ATM cards, and PINs, and for the declaration of such lending arrangements as null and void. Most significantly, the complaint urges criminal and disciplinary proceedings against those found responsible, alongside national guidance to prevent similar schemes from taking root elsewhere.
Africa Polysack Industries has been contacted for a comment. The company was established in February 1999, with the revival of a run-down woven polypropylene manufacturing plant kicking off in October 2000. By August 2001, the company had officially launched production. Today, it stands as a leading producer of high-quality woven polypropylene bags, laminated bags and fabric, polypropylene braided rope, vegetable and fruit net bags, shrink films, twisted stitching thread, and flexible packaging, while directly employing about 605 people.
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