Uganda's non-deposit microfinance sector

Building the institutions that build livelihoods

ANDT MFI is the professional body for Uganda's 150 non-deposit taking microfinance institutions. We publish sector data, shape regulation, and strengthen the organisations that serve 430,000+ borrowers.

150
Member institutions
21
Districts represented
UGX 214B
Aggregate loan portfolio
430K+
Borrowers served
"To promote a professional business environment through advocacy, innovation, and good governance."
What we do

How membership works for you

Four ways the association supports your institution — from boardroom to field office.

V

One-on-one visits

Annual secretariat visits to every member — a direct relationship, not a compliance checklist.

A

Policy advocacy

Evidence-based positions taken to UMRA, parliament and BoU — tracked from issue to outcome.

T

Training academy

Structured programmes in governance, credit risk, AML/CFT and digital lending for all levels.

E

Events & conferences

Where practitioners, regulators and funders share a room and compare notes on what's working.

Photography Community savings group, Lira district
Sector impact

The numbers behind the network

Quarterly data published openly — members get full datasets.

UGX 214B
Aggregate gross loan portfolio
6.8%
Sector PAR30, Q2 2026
38%
Women borrowers share
12%
Youth borrowers share
Advocacy

How we work a case

Every position follows this path — so members see the trail, not just the claim.

01 · Issue

Identify

Proposed blanket licensing fee increase for all non-deposit MFIs regardless of size.

02 · Evidence

Research

Survey of 84 members showed a 40% compliance cost increase for tier-3 institutions.

03 · Position

Engage

Tiered fee structure proportional to GLP, submitted to UMRA with full supporting data.

04 · Outcome

Result

Revised fee schedule adopted January 2026. Tier-3 fees reduced by 25%.

Issue identified → evidence gathered → position submitted → outcome secured
Member directory

Find a member institution

Rapid Advisory Services Ltd

Kampala · Tier 3
UMRA Licensed

Microfin Uganda Ltd

Mukono · Tier 4
UMRA Licensed

Heza Financial Services

Mbarara · Tier 3
UMRA Licensed
News & updates

From the secretariat

Photo
12 Aug 2026

UMRA circular on digital lending disclosure requirements

What the new rules mean for tier-3 and tier-4 members.

Photo
02 Aug 2026

Q2 2026 sector statistics published

Portfolio quality held steady across 21 districts.

Photo
24 Jul 2026

Governance Academy cohort 3 now open

Six-week programme for boards and senior management.

Ecosystem

Our partners