{"name":"UGAFODE Microfinance Ltd (MDI)","domain":"ugafode.co.ug","url":"https://optimly.ai/brand/ugafode-microfinance-ltd-mdi","is_claimed":false,"categories":["fintech-financial-services"],"headers":[{"header":"Overview","sections":[{"key":"short_description","label":"Tagline","shape":"text","content":"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.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"description","label":"Description","shape":"text","content":"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.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"}]},{"header":"Identity","sections":[{"key":"mission","label":"Mission","shape":"text","content":"To transform the lives of customers economically and socially by providing inclusive financial solutions.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"website","label":"Website","shape":"text","content":"https://ugafode.co.ug","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"voice_tone","label":"Voice & tone","shape":"text","content":"Inclusive, customer-focused, practical and promotional, emphasizing affordable financial services, convenience, security, flexibility and economic empowerment.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"founded","label":"Founded","shape":"text","content":"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.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"parent_ownership","label":"Parent ownership","shape":"text","content":"The original NGO divested from microfinance activities but retained an ownership share; it transferred its business, assets and liabilities to UGAFODE Microfinance Limited.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"}]},{"header":"Offerings","sections":[{"key":"problem_solved","label":"Problem solved","shape":"text","content":"UGAFODE provides accessible financial services for saving money, financing personal development, education, housing, agriculture and business activities, and conducting payments and money transfers.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"core_capabilities","label":"Core capabilities","shape":"text","content":"Deposit-taking microfinance services\nBusiness, personal development, agriculture, education and housing lending\nSavings and fixed-deposit accounts\nMobile banking through UGAFODE Mobile\nMoney transfers and mobile money services\nAgent banking\nBancassurance\nLoan refinancing and flexible repayment arrangements","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"products","label":"Products / SKUs","shape":"text","content":"Ordinary Savings Account\nFixed Deposit Account\nGroup Savings Account\nInstitutional Savings Account\nTarget Savings Account\nJunior Savings Account\nSmart Save Account\nBusiness Loan","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"pricing","label":"Pricing","shape":"text","content":"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.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"}]},{"header":"Audience","sections":[{"key":"target_industry","label":"Target industry","shape":"text","content":"Financial services, microfinance and banking in Uganda.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"customer_base","label":"Customer base","shape":"text","content":"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.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"icp","label":"Ideal customer profile","shape":"text","content":"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.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"use_cases","label":"Use cases","shape":"text","content":"Working-capital and business expansion financing\nAgriculture financing\nHousing construction or acquisition financing\nEducation and school financing\nAsset acquisition and salary-based borrowing\nWomen’s business financing through Smart Woman Loans\nSaving toward personal or shared goals\nFixed-term saving and earning interest","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"},{"key":"customer_outcomes","label":"Customer outcomes","shape":"text","content":"Access to inclusive financial solutions\nBusiness growth and expansion\nFlexible loan repayment aligned with customer cash flows\nFaster loan processing, advertised as two days after approval\nAbility to accumulate savings and earn interest\nConvenient access to accounts through branches and UGAFODE Mobile\nAbility to pay bills, transfer money and repay loans digitally\nSupport for personal, household and community economic development","source_type":"1p_website","source_label":"Brand's website","source_url":"https://ugafode.co.ug","updated_at":"2026-11-08T02:05:22.961222+00:00"}]}],"last_refreshed_at":"2026-11-08T02:05:22.967804+00:00","last_changed_at":"2026-11-08T02:05:22.973650+00:00","claim_url":"https://app.optimly.ai/sign-up?claim=2734f656-75d7-4a92-8fb8-ff01f95b4bcb"}