UGAFODE Microfinance Ltd (MDI)
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Overview
Tagline Brand's website · 2026-11-08
UGAFODE Microfinance Ltd (MDI) is a Bank of Uganda-regulated, deposit-taking microfinance institution in Uganda providing loans, savings, mobile banking, money transfers and related financial services.
Description Brand's website · 2026-11-08
UGAFODE Microfinance Limited is a Tier III micro-deposit-taking institution regulated by the Bank of Uganda. It provides inclusive financial solutions through loan products, savings accounts, mobile banking, money transfers, agent banking and bancassurance. The institution operates branches and Sales and Customer Service Centres across Uganda.
Identity
Mission Brand's website · 2026-11-08
To transform the lives of customers economically and socially by providing inclusive financial solutions.
Website Brand's website · 2026-11-08
https://ugafode.co.ug
Voice & tone Brand's website · 2026-11-08
Inclusive, customer-focused, practical and promotional, emphasizing affordable financial services, convenience, security, flexibility and economic empowerment.
Founded Brand's website · 2026-11-08
Started in 1994 as The Uganda Agency for Development Limited (UGAFODE), an NGO. Incorporated as UGAFODE Microfinance Limited in September 2010 and transformed into a micro-deposit-taking institution in September 2011.
Parent ownership Brand's website · 2026-11-08
The original NGO divested from microfinance activities but retained an ownership share; it transferred its business, assets and liabilities to UGAFODE Microfinance Limited.
Offerings
Problem solved Brand's website · 2026-11-08
UGAFODE provides accessible financial services for saving money, financing personal development, education, housing, agriculture and business activities, and conducting payments and money transfers.
Core capabilities Brand's website · 2026-11-08
- Deposit-taking microfinance services
- Business, personal development, agriculture, education and housing lending
- Savings and fixed-deposit accounts
- Mobile banking through UGAFODE Mobile
- Money transfers and mobile money services
- Agent banking
- Bancassurance
- Loan refinancing and flexible repayment arrangements
Products / SKUs Brand's website · 2026-11-08
- Ordinary Savings Account
- Fixed Deposit Account
- Group Savings Account
- Institutional Savings Account
- Target Savings Account
- Junior Savings Account
- Smart Save Account
- Business Loan
Pricing Brand's website · 2026-11-08
The website advertises savings returns of up to 10% for fixed deposits, up to 8% for savings and target accounts, and 5% annual interest on a savings-products page. The loan page states a 3% arrangement fee for all loan amounts and an application fee of UGX 50,000 for amounts above UGX 30 million. Smart Woman Loans are listed from UGX 100,000 to UGX 29,999,000, with repayment terms of 1–24 months. Loan tenors are listed as 3–36 months.
Audience
Target industry Brand's website · 2026-11-08
Financial services, microfinance and banking in Uganda.
Customer base Brand's website · 2026-11-08
Individuals, women, groups, regular income earners, salary earners, micro-small and medium enterprises, farmers, institutions, parents and people saving toward shared goals. The institution reports serving thousands of customers.
Ideal customer profile Brand's website · 2026-11-08
Uganda-based individuals and groups seeking savings or deposit products, women and entrepreneurs needing business capital, salary earners seeking asset or salary loans, households financing education or housing, farmers, and micro-small and medium enterprises requiring flexible credit and financial services.
Use cases Brand's website · 2026-11-08
- Working-capital and business expansion financing
- Agriculture financing
- Housing construction or acquisition financing
- Education and school financing
- Asset acquisition and salary-based borrowing
- Women’s business financing through Smart Woman Loans
- Saving toward personal or shared goals
- Fixed-term saving and earning interest
Customer outcomes Brand's website · 2026-11-08
- Access to inclusive financial solutions
- Business growth and expansion
- Flexible loan repayment aligned with customer cash flows
- Faster loan processing, advertised as two days after approval
- Ability to accumulate savings and earn interest
- Convenient access to accounts through branches and UGAFODE Mobile
- Ability to pay bills, transfer money and repay loans digitally
- Support for personal, household and community economic development
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Claim UGAFODE Microfinance Ltd (MDI) — free →Page last updated 2026-11-08.