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Government to Person (G2P) Payment Guidelines

Financial Sector Deepening (FSD) Uganda is the country’s leading institution on financial inclusion and inclusive financial market development. FSD Uganda provides technical assistance and catalytic grants to enable innovation and scale. This is achieved through research, policy analysis that enables evidence-based decisioning, private sector support through de-risking and experimental grants that push the frontiers of […]

Market Research on Unsecured Lending for MSMEs

Micro, small, and medium enterprises (MSMEs) (including smallholder farmers) struggle to access formal credit due to a lack of collateral and poor record keeping preventing them from making productive investments. FSD Uganda works to build inclusive credit market infrastructure to address the retail and business credit gap. FSD Uganda commissioned a study about unsecured lending […]

Strengthening the effectiveness of Uganda’s consumer protection framework

An assessment of credit cost disclosures There is a need to promote trust in the financial sector by putting robust consumer protection measures in place – this will help protect lower-income borrowers from poor market conduct and bridge the credit gap in the market. Financial Sector Deepening Uganda (FSD Uganda) and Financial Sector Deepening Africa […]

Assessing the Economic Resilience of Ugandan Households Before COVID

Uganda’s informal sector driven by trade, hotels, restaurants, manufacturing and agriculture – which forms the primary source of livelihoods for about 3 million households and has a high number of inter-linkages across the economy. It continues to play a crucial role in creating employment and income opportunities for a majority of Ugandans. Access to the […]

Empowering refugees and host communities through financial inclusion

Background: Financial Inclusion for Refugees (FI4R) project Uganda hosts one of the largest refugee populations in the world with approximately 1.1 million refugees settled in urban centres and 28 refugee settlements across the country. And while the number of adult Ugandans accessing formal financial services continues to grow, primarily driven by mobile money services, the […]

Shifting the Regulator Mindset in Uganda

Uganda has made, and continues to make great strides in regulation. Perhaps most notably is the development of regulatory experiment (or sandboxes) – a cutting edge approach designed to allow fintechs to try new innovations without disrupting the existing financial ecosystem. Under the Digital Transformation Project (DTP), Financial Sector Deepening Uganda (FSDU) has committed resources […]

Report on Banking and the Status of Financial Inclusion in Uganda

This report aims to give an overview of the Ugandan banking sector and the potential opportunities that exist to increase the banked population. The information generated by the FinScope Uganda survey, conducted in 2018, provides the basis for this report’s analysis. Information presented in all tables and figures are obtained from analysis of FinScope 2018 […]

Report on Informal Financial Inclusion in Uganda

Efforts to increase formal financial inclusion in Uganda are faced with significant challenges which are both supply and demand side in nature. From a supply-side perspective the most significant challenge is that 76% of Ugandan adults are rural-based. The high cost of providing financial services in rural areas often means that formal financial institutions lack […]

Analysis of status of financial inclusion for women and youth in Uganda

Money management, planning and the safe building of assets are core components of a larger set of economic and social skills needed to achieve a sustainable livelihood. In recent years, there has been a growing recognition of the obstacles women and young adults face in developing these abilities. Financial service providers (FSPs), however, are still […]

Report on Uptake of Insurance Services in Uganda 2018

The findings of the FinScope survey conducted in 2018 show that formal insurance uptake in Uganda is at 1%. Current insurance penetration in Uganda is also estimated at 1%. The low level of formal insurance uptake is attributable to public mistrust, low public awareness and a narrow insurance product range – especially for low income […]