UGAFODE Microfinance

📌Imagine a place where you will learn about financial inclusion, get updates about savings, loans quickly. Follow the UGAFODE Microfinance channel on WhatsApp: whatsapp.com/channel/0029Vb…

𝐀𝐯𝐨𝐢𝐝 𝐞𝐦𝐨𝐭𝐢𝐨𝐧𝐚𝐥 𝐬𝐩𝐞𝐧𝐝𝐢𝐧𝐠. 𝐅𝐞𝐞𝐥𝐢𝐧𝐠𝐬 𝐜𝐡𝐚𝐧𝐠𝐞, 𝐛𝐮𝐭 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐫𝐞𝐦𝐚𝐢𝐧. Start your savings journey today with a 𝐔𝐆𝐀𝐅𝐎𝐃𝐄 𝐒𝐦𝐚𝐫𝐭 𝐒𝐚𝐯𝐞 𝐀𝐜𝐜𝐨𝐮𝐧𝐭, 𝐓𝐚𝐫𝐠𝐞𝐭 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 𝐨𝐫 𝐎𝐫𝐝𝐢𝐧𝐚𝐫𝐲 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐀𝐜𝐜𝐨𝐮𝐧𝐭. 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 0753 119107 𝐭𝐨 𝐨𝐩𝐞𝐧 𝐲𝐨𝐮𝐫 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐭𝐨𝐝𝐚𝐲

@inuwagaba2 @justinenantale2 😆🫣

@ugafodeug @justinenantale2 😹😹

How much have you lost to gambling ⁉️

@Metropol_Uganda Where's the Link😌

Stay informed with daily updates, valuable insights and essential credit information through our channel. #creditinfomationsharing

@paulwebs1 Tukumanyi ssebo

@ugafodeug Nayeee

Without googling, what is FMCG in full?

We all need this attitude as we approach Life. Don't be too serious🤝

@paulwebs1 You have lived on these streets for a long time, we know you well Paul😂🫣

@ugafodeug Looks like a trap for me then. But you know me sitya danger 🤣

@paulwebs1 It's simple because we have those managers here. Not hard🤲

@ugafodeug I need a ‘working’ on how you arrived to this answer for sure. Probably a boardroom power point presentation would do 🤣

@paulwebs1 Towakana😂

@ugafodeug Iyiii Nedda 🤣🤣🤣

𝐖𝐞𝐥𝐜𝐨𝐦𝐞 𝐀𝐛𝐝𝐮𝐥 𝐊𝐲𝐚𝐧𝐢𝐤𝐚 𝐍𝐬𝐢𝐛𝐚𝐦𝐛𝐢! We are delighted to welcome Abdul Kyanika Nsibambi as the 𝐇𝐞𝐚𝐝 𝐨𝐟 𝐂𝐫𝐞𝐝𝐢𝐭 at UGAFODE Microfinance. Abdul joins UGAFODE with over 25 years of distinguished banking and credit leadership experience, having built an outstanding career at Centenary Bank, where he progressed from Agricultural Loans Officer to senior Head Office leadership roles. During his tenure, he successfully led key business units including Agricultural Lending, Consumer Lending, Housing Finance, Salary Lending, and Renewable Energy Finance, while driving innovation, portfolio growth, and strategic partnerships that strengthened the bank's position in inclusive finance. Abdul is also a trainer, consultant, and thought leader in agricultural and inclusive finance. Abdul has worked closely with renowned development partners including the World Bank Group (WBG), Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH , USAID, DANIDA, Habitat for Humanity International, Water.org , and several government and private sector institutions to develop innovative financing solutions that expand financial inclusion. At UGAFODE, Abdul's wealth of experience will strengthen our credit function, enhance portfolio quality, promote sound risk management, and expand sustainable financing solutions for farmers, women, youth, MSMEs, refugee communities, and other underserved populations. His leadership will support our continued commitment to transform the lives of our customers economically, socially by providing inclusive financial solutions.

𝐈𝐧𝐯𝐞𝐬𝐭 𝐢𝐧 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟 𝐚𝐥𝐰𝐚𝐲𝐬 𝐟𝐨𝐫 𝐦𝐚𝐱𝐢𝐦𝐮𝐦 𝐥𝐢𝐟𝐞 𝐫𝐞𝐭𝐮𝐫𝐧𝐬 Every skill you build, every lesson you learn, and every positive habit you develop becomes an investment that pays dividends for a lifetime. ~𝘑𝘰𝘦𝘭 𝘈𝘳𝘢𝘱𝘶, 𝘜𝘎𝘈𝘍𝘖𝘋𝘌 𝘉𝘳𝘢𝘯𝘤𝘩 𝘔𝘢𝘯𝘢𝘨𝘦𝘳- 𝘓𝘪𝘳𝘢

𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐉𝐞𝐰𝐢𝐬𝐡 𝐅𝐢𝐯𝐞 𝐉𝐚𝐫 𝐏𝐫𝐢𝐧𝐜𝐢𝐩𝐥𝐞 Every successful journey begins with a decision: to take the first step. The Congolese Christian Refugee Community in Katwe, made up of 80% women and 20% men, is demonstrating that financial growth begins with faith, discipline, and intentional planning. Before every savings meeting, members come together in prayer, dedicating their work to God and seeking His guidance before making financial decisions. Our Relationship Manager – Deposits, Alice Matama, together with other members of the UGAFODE Microfinance team, had the opportunity to conduct a financial literacy session focused on budgeting and financial planning. Members of the group operate a variety of small businesses, including tailoring shops, retail shops, restaurants, and other small enterprises. Opening the session, Alice challenged the participants with a simple but powerful question: "𝐘𝐨𝐮𝐫 𝐜𝐮𝐫𝐫𝐞𝐧𝐭 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐝𝐨𝐞𝐬 𝐧𝐨𝐭 𝐡𝐚𝐯𝐞 𝐭𝐨 𝐫𝐞𝐦𝐚𝐢𝐧 𝐭𝐡𝐞 𝐬𝐚𝐦𝐞 𝐟𝐨𝐫𝐞𝐯𝐞𝐫. 𝐈𝐟 𝐭𝐨𝐝𝐚𝐲 𝐲𝐨𝐮 𝐨𝐩𝐞𝐫𝐚𝐭𝐞 𝐟𝐫𝐨𝐦 𝐚 𝐬𝐦𝐚𝐥𝐥 𝐤𝐢𝐨𝐬𝐤, 𝐰𝐡𝐞𝐫𝐞 𝐝𝐨 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐛𝐞 𝐢𝐧 𝐭𝐡𝐞 𝐧𝐞𝐱𝐭 10 𝐲𝐞𝐚𝐫𝐬?" She encouraged them to think beyond their present circumstances, adding: "𝘐𝘧 𝘺𝘰𝘶 𝘢𝘳𝘦 𝘢 𝘵𝘢𝘪𝘭𝘰𝘳 𝘵𝘰𝘥𝘢𝘺 𝘣𝘶𝘵 𝘥𝘳𝘦𝘢𝘮 𝘰𝘧 𝘰𝘸𝘯𝘪𝘯𝘨 𝘢 𝘵𝘢𝘪𝘭𝘰𝘳𝘪𝘯𝘨 𝘴𝘤𝘩𝘰𝘰𝘭 𝘵𝘰𝘮𝘰𝘳𝘳𝘰𝘸, 𝘵𝘩𝘦 𝘫𝘰𝘶𝘳𝘯𝘦𝘺 𝘴𝘵𝘢𝘳𝘵𝘴 𝘯𝘰𝘸. 𝘋𝘳𝘦𝘢𝘮𝘴 𝘣𝘦𝘤𝘰𝘮𝘦 𝘳𝘦𝘢𝘭𝘪𝘵𝘺 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘪𝘯𝘵𝘦𝘯𝘵𝘪𝘰𝘯𝘢𝘭 𝘢𝘤𝘵𝘪𝘰𝘯𝘴, 𝘤𝘰𝘯𝘴𝘪𝘴𝘵𝘦𝘯𝘵 𝘴𝘢𝘷𝘪𝘯𝘨, 𝘢𝘯𝘥 𝘸𝘪𝘴𝘦 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵." Alice explained that saving is not just about putting money aside; it is a journey of discipline, patience, and purpose. Every amount saved, no matter how small, brings you one step closer to achieving your goals and creates opportunities for future investment and business growth. She encouraged members to develop short-term, medium-term, and long-term financial plans, emphasizing that every goal requires a clear roadmap. Alice then introduced the 𝐉𝐞𝐰𝐢𝐬𝐡 𝐅𝐢𝐯𝐞 𝐉𝐚𝐫 𝐏𝐫𝐢𝐧𝐜𝐢𝐩𝐥𝐞, a simple budgeting approach that helps people manage their money wisely by dividing their income into different purposes, including daily needs, savings, investment, giving, and personal spending. The principle teaches that every shilling should have a purpose. She further explained that a budget is simply a list of your income and your expenses. When you know where your money comes from and where it goes, you are better able to save, invest, and achieve your financial goals.

𝐃𝐢𝐝 𝐲𝐨𝐮 𝐤𝐧𝐨𝐰 𝐭𝐡𝐢𝐬 𝐚𝐛𝐨𝐮𝐭 𝐔𝐠𝐚𝐧𝐝𝐚’𝐬 𝐛𝐢𝐠𝐠𝐞𝐬𝐭 𝐫𝐞𝐠𝐮𝐥𝐚𝐭𝐞𝐝 𝐦𝐢𝐜𝐫𝐨𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐢𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧? UGAFODE Microfinace Limited (MDI) was started in 1994 as a nongovernmental organisation (NGO) with the name The Uganda Agency for Development Limited (UGAFODE). The NGO aimed at providing affordable financial services to customers, who were mainly women provided with group credit. In September 2010, UGAFODE Microfinance Limited was incorporated as a company limited by shares and in September 2011, it transformed into an MDI (Micro-deposit taking institution) with new savings products to balance credit operations and expanded shareholding. The NGO divested from microfinance activities, but retained an ownership share. It transferred all its business, assets and liabilities to UGAFODE Microfinance Limited. The institution was licensed as a Tier III MDI by The Central Bank of Uganda (BoU) in 2011.

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𝐂𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐍𝐨𝐭𝐢𝐜𝐞: 𝐏𝐥𝐚𝐧𝐧𝐞𝐝 𝐒𝐲𝐬𝐭𝐞𝐦 𝐌𝐚𝐢𝐧𝐭𝐞𝐧𝐚𝐧𝐜𝐞 Please be informed that we will be carrying out a planned system maintenance exercise from Saturday, 18th July 2026, 9:00 p.m. to 6:00 a.m. on Sunday, 19th July 2026.

@Ninasmartphone @NtegeRonalziys @EddiePages Dear Rage; The size of bank doesn't matter, it's about getting customer service and competitive return on your money. We are all regulated by the Bank of Uganda

@NtegeRonalziys @ugafodeug @EddiePages Why would you deposit such a huge amount in a small bank?

This has been bothering me, so the deposit protection fund, only protects our money upto only 10m?

𝐒𝐚𝐯𝐢𝐧𝐠 𝐓𝐢𝐩: Buy frequently used household items in bulk to save money over time. Start your savings journey today with a 𝐔𝐆𝐀𝐅𝐎𝐃𝐄 𝐒𝐦𝐚𝐫𝐭 𝐒𝐚𝐯𝐞 𝐀𝐜𝐜𝐨𝐮𝐧𝐭, 𝐓𝐚𝐫𝐠𝐞𝐭 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 𝐨𝐫 𝐎𝐫𝐝𝐢𝐧𝐚𝐫𝐲 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐀𝐜𝐜𝐨𝐮𝐧𝐭. 𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩 0753 119107 𝐭𝐨 𝐨𝐩𝐞𝐧 𝐲𝐨𝐮𝐫 𝐚𝐜𝐜𝐨𝐮𝐧𝐭 𝐭𝐨𝐝𝐚𝐲.

𝐊𝐞𝐞𝐩 𝐲𝐨𝐮𝐫 𝐞𝐲𝐞𝐬 𝐨𝐧 𝐭𝐡𝐞 𝐛𝐢𝐠𝐠𝐞𝐫 𝐠𝐨𝐚𝐥, 𝐞𝐯𝐞𝐫𝐲 𝐝𝐢𝐬𝐜𝐢𝐩𝐥𝐢𝐧𝐞𝐝 𝐬𝐭𝐞𝐩 𝐲𝐨𝐮 𝐭𝐚𝐤𝐞 𝐥𝐚𝐲𝐬 𝐭𝐡𝐞 𝐟𝐨𝐮𝐧𝐝𝐚𝐭𝐢𝐨𝐧 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐬𝐮𝐜𝐜𝐞𝐬𝐬. Success is rarely achieved overnight; it is built through consistent effort, wise decisions, and the discipline to stay committed to your long-term vision, even when progress seems slow. ~ 𝑨𝒍𝒊𝒄𝒆 𝑴𝒂𝒕𝒂𝒎𝒂 𝑴𝒖𝒕𝒂𝒃𝒂𝒛𝒊, 𝑹𝒆𝒍𝒂𝒕𝒊𝒐𝒏𝒔𝒉𝒊𝒑 𝑴𝒂𝒏𝒂𝒈𝒆𝒓-𝑫𝒆𝒑𝒐𝒔𝒊𝒕𝒔