Health Sector Staff Mutual Aid Group (HSS-MAG) is a saving and lending scheme for public health sector staff in Rwanda. In 2017, the HSS-MAG registered as a tontine with the primary objective of improving their socio-economic conditions and promoting access to finance, by assisting staff to make savings and access low-rate loans. HSS-MAG shifted from operating as a tontine to a SACCO, which is named Muganga SACCO.