About Kuula.

A Kampala-based lender serving salaried professionals, traders, riders and growing businesses.

Our story.

Kuula Microfinance Company Limited was registered with the Uganda Registration Services Bureau on 5 May 2026. We are based at Taabu Courts, Kisingiri Road, Mengo, Kampala.

"Kuula" is Luganda for "to grow." The name reflects what we are here to do: help people grow financially.

We were founded because teachers, health workers, traders, boda riders and contractors are regularly shut out of credit that fits their situation. Banks need land titles most people do not have. Mobile apps charge rates that do not make sense. Kuula closes that gap with four products built around how people actually earn.

Mission

To be the most trusted lender for salaried professionals, traders and small businesses in Uganda, starting in Kampala.

Vision

To become a Tier III deposit-taking microfinance institution by Year 5 to 7, subject to UMRA approval and capital requirements.

Our principles.

  • 01We respect borrowers as serious people with real financial needs, not charity cases.
  • 02We are honest about costs. Every borrower sees the full cost before signing.
  • 03We lend against real income: a salary, a trading business, an asset or a confirmed contract.
  • 04We are Ugandan. Built in Kampala, regulated in Uganda, accountable to the people we serve.
  • 05Repayment opens the door to a larger next loan. We grow with people who manage credit well.

Where we operate.

We operate from Taabu Courts, Kisingiri Road, Mengo, Kampala, serving clients in Kampala and the surrounding areas.

We focus on depth before breadth. Local knowledge is what lets us make honest credit decisions without requiring land collateral.

Roadmap.

  • Year 1-2Build the loan book in Kampala. Earn UMRA Tier IV licence.
  • Year 3-4Expand within Uganda based on proven performance.
  • Year 5-7Apply for Tier III deposit-taking microfinance status.
  • Year 15-25Commercial bank ambitions, subject to track record.

These are stated ambitions, not promises. Each stage depends on execution, regulation and capital.

Regulatory standing.

Incorporated under the Uganda Companies Act, 2012 and registered with URSB as a monetary intermediation business. Applying for a Tier IV money lender licence with UMRA. All personal data handled under the Data Protection and Privacy Act, 2019.

We do not take deposits or offer savings accounts.

URSB No.
80034879228612
TIN
1058061488
UMRA Licence
Application in progress
Office
Taabu Courts, Kisingiri Road, Mengo, Kampala

Leadership.

Mwanje Jolem

Founder and Director

Founder and Director of Kuula Microfinance. Background in public health, with a systems-thinking approach to building financial services that serve Uganda's workers and small businesses honestly.