The State of Financial Inclusion in Uganda: An Analysis of the 2019/20 Uganda National Household Survey Findings

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    In today’s increasingly connected world, access to useful and affordable financial products and services that meet the needs of individuals and businesses is a critical factor to their survival, growth, and sustainability. Since the early 2000s, financial inclusion has been a constant focus of global development stakeholders and a “stated goal for both public and private sector actors.”

    In 2013, the Bill & Melinda Gates Foundation (BMGF) launched the Financial Inclusion Insights (FII) programme to track the progress of financial inclusion in Uganda and seven other countries in Africa and Asia. In 2019, BMGF handed over FII initiatives to local stakeholders to ensure ownership and buy-in from in-country private and public agencies, better integration of FII data in the decision-making process, and long-term sustainability of FII research and action.

    To leverage a large-scale population study and link FII metrics with other household and individual-level statistics, a set of FII questions was included in the Uganda National Household Survey (UNHS) carried out by the Uganda Bureau of Statistics (UBoS) from September 2019 to November 2020. This report offers the first-round of analysis of FII data collected via a harmonization with the UNHS. The findings presented in this report are comparable with the FII 2017 and FinScope 2018 survey results in Uganda.

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