Opportunities Unlimited

Affordable, accessible and sustainable financial services for low-income rural communities in Uganda.

ENCOT Microfinance delivers affordable, accessible and sustainable financial services that empower rural households, small businesses and community groups across Uganda.

10Branch contacts
6Partner logos included
8Management photos included
Agriculture support
Agriculture supportFinancial solutions that strengthen rural livelihoods.
Sanitation project support
Sanitation financeSupport for water, housing, and sanitation improvements.
Client testimonial
Real impact storiesClient-centered service with visible community results.
Management leadership
Strong leadershipExperienced management driving growth and service delivery.
Board leadership
Trusted governanceProfessional oversight that strengthens confidence and accountability.
Affordable finance Flexible support for households, groups and small businesses.
Rural outreach Serving communities through branches and field-based engagement.
Client protection Focused on responsible service, transparency and trust.
Growth support Finance, enterprise development and social impact working together.

Our Activities

The live site highlights three main activity areas. This theme keeps them but presents them in a cleaner, more premium and mobile-friendly way.

Microfinance

Microfinance

Financially inclusive communities through carefully crafted group-based methodologies and practical credit services.

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Micro Enterprise Development

Micro Enterprise Development

Training, advisory support, and practical business skills that help clients manage and grow micro-enterprises.

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Social Responsibility

Social Responsibility

Community transformation beyond credit through partnerships and support for wider social needs.

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Get to know us

We work together with you

ENCOT states that it binds itself to the international protocol on the protection of microfinance clients and aims to protect clients from potentially harmful financial products and poor business practices.

  • Innovation and Creativity
  • Professionalism & Integrity
  • Humility & Respect
  • Fairness & Honesty
Improve sanitation facilities Client story

Projects

The current website presents project areas around financial access, sanitation, and agricultural systems. This theme keeps that structure with real available images.

Improve access to financial services

Improve access to financial services

Flexible finance solutions designed to support individuals, families, and small businesses.

Improve sanitation facilities

Improve Sanitation Facilities

Support for water and sanitation facilities including water harvesting tanks, drilled or piped water, plumbing works and sewerage solutions.

Strengthen agricultural systems

Strengthen Agricultural Systems

Agro enterprise and agri-production support from production to market.

Client confidence

The ENCOT Experience

Enjoy the professional, corporate and personal customer service, with flexible, affordable and customized loan facilities to support business needs.

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Client story image
I greatly appreciate Encot for their support towards my family.

Kadri Seboki
Peasant

Our Partners

Our institutional partnerships strengthen financial inclusion, enterprise development and community transformation.

Grameen Crédit Agricole Microfinance Foundation

Grameen Crédit Agricole Microfinance Foundation

aBi Trust

aBi Trust

AMFIU

AMFIU

MSC Affordable Finance

MSC Affordable Finance

Housing Finance Bank

Housing Finance Bank

PW

PW

Grameen Crédit Agricole Microfinance Foundation

Grameen Crédit Agricole Microfinance Foundation

aBi Trust

aBi Trust

AMFIU

AMFIU

MSC Affordable Finance

MSC Affordable Finance

Housing Finance Bank

Housing Finance Bank

PW

PW

Management Team

Meet the leadership team driving operations, partnerships, compliance, technology and client growth.

Mr. Akugizibwe Patrick
Leadership

Mr. Akugizibwe Patrick

Acting Chief Executive Officer

Mr. Tomanya William
Leadership

Mr. Tomanya William

Head of Credit

Mr. Bijik George
Leadership

Mr. Bijik George

Head of Legal

Ms. Atuhura Sylivia
Leadership

Ms. Atuhura Sylivia

Head of Human Resources and Administration

Mr. Kerunga Rodgers Kerods
Leadership

Mr. Kerunga Rodgers Kerods

ICT Manager

Mr. Mutyaba Ivan
Leadership

Mr. Mutyaba Ivan

Risk and Compliance Manager

Mr. Kato Paul Kiggundu
Leadership

Mr. Kato Paul Kiggundu

Internal Audit Manager

Mr. Karuhanga Solomon
Leadership

Mr. Karuhanga Solomon

Partnerships and Development Manager

Head Office Location

Visit Our Head Office

Find ENCOT Microfinance Limited at Plot 88, Masindi Port Road, Masindi, Uganda. This map block gives the homepage a clearer physical location and helps visitors get directions quickly.

ENCOT Head Office

Address: Plot 88, Masindi Port Road, Masindi, Uganda

Phone: +256 0393224462

Email: info@encot.org

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Need some help? Talk to us here.

Plot 88, Masindi Port Road, Masindi, Uganda · +256 0393224462 · info@encot.org

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