AMFIU Complaint Handling System

East Africa Microfinance Summit 2017 in Kampala PDF  | Print |  E-mail

The 3rd East Africa Microfinance Summit 2017 was successfully held at Hotel Africana, Kampala Uganda. It brought together over 300 microfinance stakeholders to deliberate on Digital Financial Inclusion.

The theme “Digital Financial Inclusion: a Reflection on the Perspectives, Pros and Challenges for Various Stakeholders” was selected in consideration of the fact that both financial are offering digital financial services to the public, but is it really a simple binary choice between technology and tradition?  
The keynote address was made by Bram Peters; Country Technical Specialist, Digital Finance, United Nations Capital Development Fund (UNCDF).  The Keynote address centered on analyzing how traditional microfinance has evolved, advantages and challenges that digital finance presents and whether technology has fulfilled the expectation of enhancing financial inclusion considering the key aspects of product development, regulation/risk management, digital infrastructure and consumer attitudes.

Other presentations were on “Infrastructural considerations for digital finance, status quo and recommendations” by David Cracknell, Global Technical Director, MicroSave. it also included panel discussions on mitigating digital risk through regulation and service providers by Mobile Networks and regulators from central banks of Uganda, Tanzania and SACCO Societies Regulatory Authority (SASRA), Kenya

In addition there were présentations on market conduct and consumer attitudes by  Boubacar Diallo, Senior Advisor,Africa Region, Smart Campaign , Center for Financial Inclusion at Accion, Consumer Attitudes by Luke Gormley, Country Manager, JUMO Uganda and Industry code of conduct by Jean Pierre UWIZEYE, Executive Director, Association of Microfinance Institutions in Rwanda (AMIR).

The summit was graced by Hon. Matia Kasaija, Minister of Finance Planning Economic Development, State minister for Microfinance and the Minister of East African Affairs. This was the 3rd event being organized in East Africa following summits hosted in Kenya and Tanzania in 2015 and 2016 respectively. It was organised the Association of Microfinance institutions of Uganda (AMFIU), and Ministry of Finance Planning and Economic Development.

Microfinance Institutions & SME Expo 2018 PDF  | Print |  E-mail



The Association Of Microfinance Institutions Of Uganda (AMFIU) in collaboration with Uganda Small Scale Industries Association (USSIA) have organised the 1st  Microfinance Institutions & SME Expo to be held in Kampala – Uganda from 16th - 19th August 2018 at UMA show grounds.

The Expo will bring together a broad spectrum of people from Microfinance Institutions & SME sectors.  The Expo has been organised to demonstrate the intertwining approach in service delivery among the two sectors. The Expo will also be open to Service Providers to the Microfinance and SME Sector, entire Banking Industry, and Insurance.  

Conference on Committing to Action: Accelerating Financial Inclusion through Partnership in Uganda PDF  | Print |  E-mail

The Microfinance CEO Working Group (MCWG), the Smart Campaign, and AMFIU sucessfully held a conference on 17 and 18, January 2017  under the theme Committing to Action: Accelerating Financial Inclusion through Partnership in Uganda. It took place at the City Royal Resort Hotel in Kampala, Uganda.

This conference served as a unique opportunity to convene Uganda’s top financial inclusion stakeholders and experts and discuss ways in which we can commit to accelerating financial inclusion and consumer protection in the country.

SACCOS and MFIs undergo training to track clients’ Poverty levels PDF  | Print |  E-mail

Today, global emphasis has shifted to the systematic reporting on the progress microfinance institutions are making towards achieving their social goals. AMFIU has continued to build the capacity of member MFIs to track their social impact through using the Progress out of Poverty Index (PPI) tool. The PPI is a poverty measurement tool that enables organizations with a mission to serve the poor to manage their social performance with as much purpose and structure as they manage other aspects of their performance. The PPI enables organizations working with the poor to measure and analyze clients’ poverty levels in real-time.  It contains 10 questions about a household’s characteristics and asset ownership which are scored to compute the likelihood that the household is living below the poverty line. The PPI for Uganda was created in June 2015 with indicators based on data from the 2012/13 National Household Survey (UNHS) conducted by Uganda Bureau of Statistics. The tool helps in identifying the clients, customers, or employees who are most likely to be poor or vulnerable to poverty, integrating objective poverty data into their assessments for strategic decision-making.

Client over indebtedness remains a big challenge among MFIs-study PDF  | Print |  E-mail

Research is a vital activity of AMFIU and the organization tries to generate relevant, up-to-date and meaningful information to support sector growth.  Recently, AMFIU published a report on a study on client over-indebtedness among microfinance institutions that are not regulated. The topic was the major study area demanded by members of AMFIU during the member satisfaction survey. The problem has been viewed as escalating in the sector.

Building Capacity of Institutions in Mainstreaming HIV in their Operations PDF  | Print |  E-mail

AMFIU in collaboration with GIZ recently organized a refresher training workshop for HIV peer educators. This follows a survey conducted among AMFIU members regarding the implementation of HIV-related activities in their institutions. The workshop brought together focal persons for HIV-related questions and the people, who could fill that position in the future.

Minister of State for Microfinance meets AMFIU members PDF  | Print |  E-mail

AMFIU hosted the Minister of State for Microfinance, Hon. Kyeyune Haruna Kasolo, at AMFIU office. During the visit the minister met AMFIU members to sensitize them about the Tier 4 Microfinance Institutions and Money Lenders Act 2016 that was signed by the President. In his address he cautioned microfinance institutions and SACCOs from over charging their clients. “Some of you have opted to cheat your own clients by charging high interest rates and other charges that are not declared at the time of borrowing”


Quarterly Industry Information Exchange (IIE) meeting on Financial and Energy Diaries PDF  | Print |  E-mail

The second quarter’s Industry Information Exchange (IIE)  meeting was held on Thursday  16th June 2016 Imperial Royale Hotel, Kampala beginning at 2:00PM and will focus on Financial and Energy Diaries.

The Association of Microfinance Institutions of Uganda (AMFIU), Financial Sector Deepening Project Uganda (FSDU), and the United Nations Capital Development Fund are supporting a research on Financial and Energy Diaries to provide in-depth information about consumers’ financial and energy behavior.


Quarterly Microfinance Industry Information Exchange Meeting PDF  | Print |  E-mail

AMFIU together with FSD Uganda, organized the Quarterly Microfinance Industry Information Exchange (IIE) Meeting on Friday 12th February 2016.

The meeting is jointly sponsored by AMFIU and FSD Uganda, focused on using information technology to improve efficiency and FACTS Uganda (Financial Access Commerce & Trade Services) on a €750 million development finance initiative aimed to provide loans to under-served small businesses (SMEs), primarily in the agricultural sector.


The microfinance industry information exchange meeting for 3rd quarter was held on 7th August 2015 at Metropole Hotel in Kampala and it attracted 120 participants.There were 3 presentations focusing on taxation and Tier 4 regulation.

The first presentation was on taxation of MFI/SACCOs and was made by Chillanyang Cyprian, Assistant Commissioner Uganda Revenue Authority. He represented Mr. Moses Kaggwa, the Commissioner Tax policy in the Ministry of Finance. The presentation focused mainly on the taxes that are collected from MFI/SACCOs namely VAT, domestic taxes, income tax, stamp duty & excise duty and the tips for being tax complaint.

The second presentation focused on the Impact of Taxation on SACCOs and implications of the President’s  pronouncement of exception of SACCOs. It was made by Patrick Sserubula, Manager, Institute Of Cooperatives – UCA.

Lastly, there was a presentation on the progress of tier 4 regulation. The presentation was made by Mr. Nelson Mutatina, Financial Services Department-Ministry of Finance Planning and Economic Development.

The participants had discussion regarding the topics and agreed on issues for follow up. Taxation is one of the issues that has greatly crippled the performance of SACCOs and in some cases institutions have closed business. Similarly, the Tier 4 bill is soon going to be enacted but the sector still faces the challenge of understanding how the proposed regulation is going to affect their operations.

The presentations can be downloaded below



The meeting was sponsored by FSDU

We welcome suggestions for the next meeting on 26th October 2015.

For further information please contact AMFIU

Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it Tel: 0414259176


National Microfinance Conference 2015 PDF  | Print |  E-mail

The National Microfinance Conference 2015 was successfully held on 29th – 30th January 2015 at Hotel Africana, Kampala. In 2012, AMFIU and the Government of Uganda, through the Microfinance department of the Ministry of finance, Planning and Economic Development agreed to jointly host the annual conference every two years, in effect taking it beyond targeting AMFIU members to focusing on all the sector shareholders. This has given the conference a national character and provides an opportunity for all stakeholders to participate in deliberating the national focus. The themes and sub-themes over the last 4 years demonstrate a big commitment, share important topics and events that shape the microfinance industry in Uganda and beyond.


In effect the Ministry of finance, Planning and Economic Development, Financial Services department and AMFIU organised a National Microfinance Conference slated for 29th – 30th January 2015 at Hotel Africana, Kampala. The theme for this year is 'Financial Inclusion in a Regulated  East African Community Environment '.

Deliberations revolved around the following objectives;

  1. Defining financial inclusion, and explaining what it really means from different perspectives in the East African context and how to harmonize the different policies and regulatory frameworks to enhance financial inclusion in the region
  2. Sharing experiences on how implementation of the policies/regulatory frameworks has enhanced or stifled financial inclusion in the region.
  3. How to coordinate the various financial inclusion initiatives in the region and keep track on the progress in this area
  4. Forging away forward on how to enhance financial inclusion at the East African regional level.

The presentations for the 2 days will soon be available here.

Download the Provisional Conference Programme

Nominate Clients for the Best Microentrepreneur of the Year Awards PDF  | Print |  E-mail

The Association of microfinance institutions of Uganda in collaboration with citibank is receiving applications for clients or members of SACCOs and microfinance institutions to compete for this year’s best Microentrepreneur Awards. Over 70 million Uganda shillings will be awarded to a number of successful Microentrepreneurs to be selected through a competitive process of a panel of High Profile people.

Download the detailed information about the awards here

Applications can be downloaded here and then submitted through the Microfinance Institutions (MFIs)/ SACCO to AMFIU by 10th April 2015.

The awards are organised by AMFIU to promote the effective role that microfinance plays in poverty alleviation and the extraordinary contributions that individual microentrepreneurs have made to the economic stability of their families as well as their communities in Uganda.


Microfinance Industry Information Exchange meeting on Tier 4 Regulation and Challenges of Transformation PDF  | Print |  E-mail

AMFIU has organized a microfinance Industry Information Exchange meeting to focus on the recently passed regulation principles for Tier 4 institutions and the opportunities and challenges of transformation. This meeting will take place on 30th August 2013 at Fairway Hotel.

During the last AMFIU conference, the Minister of Finance Hon. Maria Kiwanuka announced during that cabinet had passed the regulation principles for Tier 4 institutions.  What does this mean to the microfinance sector? Secondly since the MDI act 2003 was enacted, there are few institutions that have transformed. What are the opportunities and challenges of transformation? As microfinance stakeholders, these are pertinent issues that need to be discussed broadly.

It is against this background that AMFIU has organized a microfinance industry Information exchange meeting on Friday 30th August 2013 at Fairway Hotel to further discuss the above issues.

This letter therefore serves to invite you to participate in this half day meeting on Friday 30th August 2013 at Fairway Hotel starting at 2:00PM.

There will be a networking cocktail after the meeting.

Participation is through registeration on email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it or 0312 265540 by Thursday 29-08-2013

The programme can be downloaded here


Presentations at the AMFIU annual Conference 2013 PDF  | Print |  E-mail

The presentations for the AMFIU annual conference 2013 can be downloaded here

aBi Trust's Presentation to AMFIU

AMFIU ALES_2013 06 21


Industry Report

Integrated risk management framework


Managing Governance Risk in MFIs


Overview of Risk Management

Overview of Agriculture Finance risks



Informal Information Exchange meeting on Housing Microfinance PDF  | Print |  E-mail

AMFIU has again organized an Informal Information Exchange meeting to focus on Housing Microfinance on 5th April 2013 at 2pm at the Lion Centre, Sheraton Kampala Hotel.

The demand for housing microfinance is increasing yet many microfinance institutions are grappling with developing such a product.  In view of this, the Centre for Innovation in Shelter and Finance, Habitat for Humanity International, Africa and the Middle East Area Office will be launching a programme in Uganda to facilitate financial services providers to develop housing microfinance products.

The IIE meeting has therefore been organized to get an insight about this upcoming project and share experience on the performance of microfinance housing products.

There wil be a networking cocktail after the meeting.

Participation is free of charge but through registeration.

Call Telephone (256) 414 259176 or (256) 312 265540. You can write to This e-mail address is being protected from spambots. You need JavaScript enabled to view it by 2nd April 2013.

Informal Information Exchange and Networking PDF  | Print |  E-mail

AMFIU has organised a half day Microfinance Informal Information Exchange meeting to be held on Tuesday, 26th February 2013 Fairway Hotel starting at 2.00PM. The meeting will focus mainly on new mobile phone technologies that are transforming banking and microfinance in the East African Region and beyond.

There will be a presentation on ELMA, an e-commerce platform that can used by Banks, MDIs, MFIs and SACCOs. As you are already aware Centenary Bank has just launched its Centemobile, which is powered by ELMA.

Participation is through registeration on email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it or 0312 265540 by Friday 22nd February 2013

The Minister of State Microfinance, launches Citi Microentrepreneurship Awards 2012 PDF  | Print |  E-mail

Citi awards application: Click here to download

Flier with more information: Click here to download

Today the Minister of State Microfinance, Caroline Okao Amali, launched the 2012 Citi Microentrepreneurship awards  2012 at the Citi Bank Office. The programme aims at promoting the effective role that microfinance plays in poverty alleviation and is organized in collaboration with AMFIU. The programme that started in 2006 in Uganda has seen over 129 entrepreneurs take home awards.

According to Chinedu Ikwudinma, Citibank MD, Citi Foundation is committing $75,000 towards the micro entrepreneurship awards in Uganda. He further said that the 2012 awards are taking place in 28 countries including Uganda.

The goal of the program is to promote micro entrepreneurs and increase awareness of their financial services needs, in what is broadly known as microfinance. More importantly the aim of this initiative is to put the spotlight on local micro entrepreneurs who are helping to lift the economic fortunes of their communities, generating greater opportunities to bring capital into their developing economies.


Informal Information Exchange and Networking, Fairway Hotel, 15th November 2012 PDF  | Print |  E-mail

AMFIU will hold a half day microfinance informal information exchange meeting for stakeholders on Thursday, 15th November 2012 at Fairway Hotel starting at 2.00pm. This will be followed by a networking cocktail.

The meeting will mainly focus on 2 issues namely;

  • The Proposed amendments in the Credit Reference Bureau and how it will affect the microfinance industry
  • Developing gender sensitive products: dissemination of findings from the Mountain of the Moon and GIZ gender sensitive product development project.

All stakeholders are invited to participate by registering with This e-mail address is being protected from spambots. You need JavaScript enabled to view it by 12th November 2012. Participation is free of charge.


Agri-Finance Marketplace at Mayor’s Garden, Lira, 1st November 2012 PDF  | Print |  E-mail

Agri-Finance Marketplace, Mayor’s Garden, Lira,  On 1st November 2012

On 1st November 2012 there will be an Agri-Finance Marketplace that will be held in Mayor’s Garden, Lira. The Marketplace aims to bring together Farmers and Finance Service Providers from the Northern Region of Uganda for better information sharing, dialogue and interaction.

Farmers will have the opportunity to know better the existing financial services for farming. They will have face to face inquiries and discussions with the financial institutions that have presence in the Northern Region to share questions and demands and give evidence of their capacities for accessing financial services.

Finance service providers will have the opportunity to exhibit in an attractive way their products to facilitate information sharing and match making with interested clients. Other providers like traders and input dealers will share their own financial services to farmers and their relationships with the finance institutions.

During the discussion forum, finance service providers will share their challenges and opportunities with farmers and look for appropriate products for mutual benefit. Additionally, the government bodies that are committed to support Agri-business will bring in their own experiences on finance for farming and discover new opportunities for their farmers in their sub-counties, districts and region at large.

You can book space by 25th October 2012

For further information

Ms. Sharon Againe, APF Uganda Network Assistant Facilitator, Kampala
This e-mail address is being protected from spambots. You need JavaScript enabled to view it and tel.0779791780,

Mr. Aroma Patrick, Event Coordinator, Lira
This e-mail address is being protected from spambots. You need JavaScript enabled to view it and tel.0782658458

Agricultural Finance Workshop, Hotel Pan Afric, Lira on 31st of October 2012 PDF  | Print |  E-mail

APF, GIZ, AMFIU and partners of APF have organised the first joint Agricultural Finance workshop that will be held in Lira at Hotel Pan Afric on 31st of October 2012.

The workshop will precede the Agri-Profocus Market Place/ Exhibition that will take place on 1st November. The workshop aims to bring together Farmers, Finance Service Providers and other actors of the financial sector from the Northern Region of Uganda to share and discuss important developments and innovations in the agricultural finance sub sector in Uganda.

2012 Annual Conference and the 1st African SPM Conference PDF  | Print |  E-mail

The 2012 Annual Conference and the 1st African SPM Conference from 27/09/2012 to 02/10/2012, Kampala (Uganda)

The Africa Microfinance Network (AFMIN) will organize its 11th Annual Conference and the 1st African SPM Conference in Kampala, Uganda, from September 27th to 02 October, 2012

For details and registration click here

The Citi Micro entrepreneurship awards 2011 around the corner PDF  | Print |  E-mail

The Citigroup Foundation will once again support the 2011 Microentrepreneur Awards that is organised by AMFIU to promote the effective role that microfinance plays in poverty alleviation and the extraordinary contributions that individual microentrepreneurs have made to the economic stability of their families as well as their communities in Uganda.

The theme for this year is Entrepreneur Creativity & self sustainability. This is the 5th Citi Microentrepreneurs Award since 2006.

Microfinance institutions can send in applications for their two best clients who may also include a Woman or a person with disability taking into consideration the selection criteria that can be downloaded here.

Clearly provide a history or tracking of the client’s borrowing/saving, business growth, employment creation, sustainability, financial discipline, family impact and innovation/ creativity. Attach pictures/ photos for the entrepreneur’s business activity.

Forms can be downloaded from here

Meet Mr. Lukuta Simon Peter, Platinum winner 2010


BRAC Wins the Social Performance Management Award PDF  | Print |  E-mail

The Association of microfinance Association of Uganda has been trying to bring MFIs back to the drawing board by encouraging them to become socially accountable and relevant to their clients through social performance management (SPM). SPM is about making an organization's social mission a reality. It involves taking the steps to deliberately manage and achieve desired social results.

AMFIU has been creating awareness and promoting social performance management among its members and the microfinance industry in Uganda and has had a positive response from the practitioners on this issue.

It is in this regard that AMFIU organized an award ceremony to recognize microfinance institutions that have made an effort in introducing and implementing SPM in their organizations. The award ceremony took take place on 27th September 2011 at Serena Hotel and BRAC Uganda emerged the overall Gold Winner.

The award was received by Khondoker Ariful Islam, the Country Representative of BRAC Uganda. In his remarks, he retaliated BRAC’s achievements as based upon their role as a learning organization and the coordinated program management system, monitoring, auditing and research departments that strives to learn everything about microfinance programs - including what works, as well as what doesn’t. He further said that each branch has a review committee that visits and talks to their members to see their progress. He emphasized that this kind of operation has given them confidence to serve their clients.

AMFIU Annual Microfinance Conference Presentations PDF  | Print |  E-mail

The following presentations were made during the Annual Micro-Finance conference:

Key note address
Micro Finance policy and regulation in Uganda, enhancing or hampering growth?
Interactive session by Alexander Forbes
Interactive session by Crystal Clear
Interactive session by Micro-Justice
Implementation of poverty scorecard, Experience from Brac Uganda
Social Perfomance for MFIs, Social Performance Task Force

AMFIU Annual Microfinance Conference PDF  | Print |  E-mail


AMFIU Annual Microfinance Conference & AGM

6th and 8th May 2010- Imperial Botanical .Hotel, Entebbe , Uganda


Building Sustainable Microfinance

Institutions in a Competitive Environment”

Conference Program PDF  | Print |  E-mail

Draft Program of the AMFIU Annual Microfinance Conference (AAMC)

6th – 7th May 2010

Theme: Building Sustainable Microfinance Institutions in a Competitive Environment

E-Bulletin PDF  | Print |  E-mail

After every 2 months, AMFIU sends out an electronic newsletter (The e-Bulletin) to members and partners. The aim is to keep them updated on the network activities and any new developments in the industry. Below are the latest issues.

Informal Information Exchange PDF  | Print |  E-mail
Outreach of Microfinance from urban and semi-urban to rural and remote areas of Uganda is the most contentious issue of industry. At the first IIE of 2007, two very different presentations were given, yet they tackle the same theme: Outreach of Microfinance. The first presentation took the avenue of technology. SEVAK solutions is a company with the mission to apply the opportunities of modern Information and Communication Technologies (ICT) to Microfinance consumers.
AMFIU news roundup PDF  | Print |  E-mail
The Capacity Building SEEP/AMFIU Grant
In a continued effort to develop and expand a professional human resource base in the microfinance industry, AMFIU in partnership with the SEEP Network secured a grant to sponsor microfinance senior and middle level managers (AMFIU members only) on a cost-sharing Scholarship basis for a diploma in microfinance.
The Local Rating service for the Microfinance industry in Uganda PDF  | Print |  E-mail
The Rating service in Uganda is a new concept that is slowly spreading within the microfinance industry. The spread of the microfinance services in Uganda has correspondingly brought about various challenges to the microfinance sector; the challenges faced by Microfinance Institutions (MFIs) tend to differ from institution to institution.
The 2006 Citigroup Micro-entrepreneurship Awards Program PDF  | Print |  E-mail
The 2006 Microentrepreneurship Awards program, which Citigroup has implemented in partnership with Association of Microfinance Institutions in Uganda (AMFIU) and ACCION, has been a resounding success. More than 70 microentrepreneurs applied to the program through over 40 MFIs and SACCOs, and 11 microentrepreneurs will be taking home awards.
Summary of ratings PDF  | Print |  E-mail
As you may know, a group of stakeholders, including SUFFICE, FSDU, AMFIU, MSC Ltd, GTZ/Sida and Rural SPEED have created a local rating fund to make ratings available to smaller MFIs, including SACCOs, in Uganda. The local rating fund subsidizes up to 85% of the cost of the ratings.
Economic indicators for 2006 PDF  | Print |  E-mail
Check out the economic indicators for 2006 below:
AMFIU's 10 year celebration PDF  | Print |  E-mail
Over 150 guests celebrate AMFIU's 10th anniversary in Jinja. The day was May 3rd 2006. The place was Jinja Nile Resort Hotel. Attendance was a cross-section of over 150 important people. Excitement filled the place. Each year since 1996 AMFIU has been gathering for annual workshop and Annual General Meeting (the author is one of the privileged few who have attended all the annual functions of AMFIU). This year, It was a time to reflect on the birth and growth of a microfinance industry with so many achievements just in ten years!

Advertise With Us

A growing number of people come daily to the AMFIU website to access information about micro-finance in Uganda. This has put us in the privileged position of being able to reach the masses on behalf of our friends and sponsors. Therefore, if you would also like your organization's voice to be heard, click here become an advertiser.

Become A Partner

With each passing year, our workload here at AMFIU increases. We would not be able to manage everything that we do if it was not for the help of our dedicated and faithful partners. We urge whoever feels they can contribute to micro-finance in Uganda to partner with us. Click here to view all our other partners.

Contact AMFIU Today

Plot 679, Wamala Rd
AMFIU House, Najjanankumbi
P.O Box 26056
Kampala, Uganda.
Tel: (256) 414 259176(256) 414 259176, 393 265540
Fax: (256-414)254420