Impact you can measure.

We don't just talk about financial inclusion. We track it, report it, and let our numbers speak.

Live metrics.

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Active borrowers

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Groups served

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Markets, stages, clusters

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Disbursed to date (UGX)

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Women borrowers

—%

On-time repayment rate

Reporting begins after our first quarter of operations.

Our women-inclusion commitment.

Kuula is open to all small business owners — and committed to keeping women a majority of our book.

Why? Because women small business owners face the deepest credit exclusion in Uganda, while consistently demonstrating the strongest repayment performance in group lending. Serving them well is both the right thing to do and the right business decision.

Our internal target: 65%+ women borrowers, every quarter, reported to our board and to our investors.

Our segment focus.

We focus on three customer segments because we believe specialization beats generalization in microfinance.

Market vendors

The foundational segment. Predictable daily cashflow, location-anchored, deeply embedded in their markets.

Boda boda riders

Organized through stages with elected chairmen, high cashflow predictability, often shut out of bank credit.

Kiosk and salon owners

Operating in residential clusters, serving neighborhood customers, naturally embedded in community trust networks.

How we measure success.

  • Portfolio at Risk (PAR30)Under 8% by Year 2
  • Borrower retention70%+ graduate Tier 1 to Tier 2
  • Average ticket growth2x within 18 months
  • Women borrowers65%+ maintained continuously
  • Geographic reach1 market in Year 1 → 12 by Year 3

Stories.

After our first six months of operations, we will publish 2–3 short stories from real borrowers here — who they are, what business they run, what changed with the loan, and what they plan next. We will only ever publish names or photos with written permission.