Our Story

UGAFODE Microfinance Limited was incorporated in 1994 as a Non – Governmental Organization under the name of Uganda Agency for Development Limited (UGAFODE); an NGO at the time to provide primary affordable financial services to its customers.

In September 2010, UGAFODE Microfinance Limited was incorporated as a Company Limited by shares in preparation to transform into an MDI with expanded shareholding from local investors with Uganda Agency for Development Limited (UGAFODE) transferring all its assets and liabilities to the new company.

UGAFODE Microfinance Limited is now a regulated Financial Institution and was licensed by the Central Bank of Uganda to provide focused quality financial services and a wide array of Quality Financial Products to its clients in the urban, peri-urban and rural areas of Uganda to meet the ever-changing needs of its clients.

UGAFODE Microfinance Limited is focused on being the leading Microfinance Institution in Uganda and it currently has 16 outlets country wide offering a variety of financial services with the Micro Enterprise Sector hitherto remaining the main target market. The branches are Nakasero,Mpigi, Kyotera, Lyantonde, Mbarara, Ishaka, Ntungamo, Ibanda, Rukungiri, Bombo Road, Rubaga Road, Kagadi, Lira, Jinja, Sembabule (Mini branch), and Rushere (Mini branch).

Our Vision

To be the preferred Microfinance institution in the provision of financial services that yield improved income in every household served.

Our Mission

To transform the lives and livelihoods of our people economically and socially by availing to them inclusive financial services that meet their expectations.


We Listen We Care.

Core Values

  • Accountability
  • Integrity
  • Innovation
  • Team work
  • Respect