Financial Inclusion
Expanding access to mobile money, digital savings, credit, and insurance products for youth, women, and smallholder farmers in Uganda's most underserved communities.
About the Programme
Despite Uganda's rapid mobile money growth, millions of people — particularly youth, women, and smallholder farmers in conflict-affected regions — remain excluded from formal financial systems. This exclusion limits their ability to save, invest, and build resilience.
UMSDN's Financial Inclusion Programme works at the system level, partnering with mobile network operators, microfinance institutions, and community savings groups to remove barriers and build pathways to financial participation.
Key Interventions
Working with MTN and Airtel to drive account registration and first-transaction support in rural areas, with dedicated female agent networks.
Transitioning village savings & loan associations (VSLAs) from cash-based to digital platforms — improving transparency and reducing loss.
Facilitating connections between micro-enterprises and digital lending platforms, with business development support to improve creditworthiness.
Linking smallholder farmers to digital input financing, warehouse receipt systems, and crop insurance products via agri-fintech partners.
Community-based financial education delivered through savings groups, TVET institutions, and digital hubs — tailored for low-literacy audiences.
Our Focus Groups
Addressing gender-specific barriers to financial access including social norms, mobility constraints, and documentation gaps.
Building financial capability for first-time workers and young entrepreneurs entering the formal economy.
Connecting agricultural households to seasonal credit, savings products, and insurance tailored for farming cycles.
Read our market systems analyses, gender assessments, and financial inclusion reports.
View Reports →