Financial access connected to everyday progress.
ENCOT works with customers, groups and entrepreneurs through responsible financial services and practical support.
Green, Inclusive and Impactful Finance
Expanding financial access for underserved communities.
ENCOT Microfinance Limited provides inclusive financial services and enterprise-development support for micro and small-enterprise communities in Uganda.
Serving communities since 2006
Tier IV Financial Institution
Regulated and supervised by the Ministry of Finance, Planning and Economic Development (MoFPED)
Since 2006
Growing from a community initiative into a regulated Tier IV
financial institution serving entrepreneurs and communities.
About ENCOT Microfinance
Inclusive finance built around communities and enterprise growth.
ENCOT Microfinance Limited was established as the microfinance arm of the Enterprise Support and Community Development Trust. ENCOT Foundation continues complementary non-financial rural development work alongside the institution.
Guided by the 2026–2030 Strategic Plan, ENCOT is working to deepen financial inclusion, expand digitally enabled services and strengthen its readiness for future institutional growth.
Developing practical financial and enterprise solutions for changing customer needs.
Delivering services responsibly, transparently and with accountability.
Serving customers, colleagues and communities with dignity and understanding.
Promoting clear communication, ethical conduct and equitable treatment.
Serving communities since 2006.
From a community-based organisation to a regulated microfinance institution with a clear strategic direction.
Founded as ENCOT CBO
Registered as a community-based organisation under Masindi District Local Government and established to respond to community enterprise and development needs.
Microfinance operations begin
Group lending was introduced for rural micro-entrepreneurs, expanding access to practical and affordable credit.
Restructured under the Tier IV framework
ENCOT Microfinance Limited became the regulated microfinance arm, while ENCOT Foundation continued the non-financial development work.
First strategic plan
A focused plan supported market growth, product improvement and stronger institutional capacity.
Green, Inclusive and Impactful Finance
The five-year strategic direction prioritises deeper inclusion, digital transformation and progress toward MDI readiness.
A financial solution for different customer needs.
From group lending and agribusiness to education, working capital and housing support, ENCOT products are organised around how customers and rural enterprises operate.
Group Loans
Finance designed for organised groups and shared enterprise activity.
Explore this loan categoryEducation Finance
Support for education-related costs, institutions and education suppliers.
Explore this loan categoryAgribusiness Loans
Finance for agricultural production, processing, trade and harvesting.
Explore this loan categoryWorking Capital Loans
Practical finance for business operations, income needs and rent obligations.
Explore this loan categoryHouse Improvement Loans
Financing supporting eligible housing construction needs.
Explore this loan categoryDigital Loans
Loan access through approved online channels.
Explore this loan categoryStaff Loan
The staff lending category identified in ENCOT’s approved product information.
Explore this loan categoryWe invest in business capacity, not only finance.
ENCOT’s enterprise-development areas support practical skills, stronger business systems, market readiness and sustainable growth.
Business Development Services
Business planning, financial literacy, cash-flow management and tax-compliance support.
Entrepreneurship Academy
Business start-up, formalisation, growth, expansion and digital entrepreneurship.
Agribusiness Programme
Climate-smart farming, post-harvest handling, value addition and contract farming.
Women Enterprise Development
Entrepreneurship clubs, leadership training, digital-finance adoption and networking.
Youth Enterprise Development
Business ideation, start-up financing, ICT enterprise support and skills development.
Green Enterprise Financing
Support for solar energy, clean cooking, water harvesting and climate-smart enterprise.
Digital Business Support
Mobile money, digital bookkeeping, e-commerce and loan-readiness support.
SME Incubation
Mentorship, market linkages, investment readiness and business diagnostics.
Value Chain Financing
Finance and enterprise support across dairy, coffee, maize, fish farming and poultry.
Our 2030 strategic goal
Building a digitally enabled and impact-driven institution.
The 2026–2030 Strategic Plan guides ENCOT’s work to deepen inclusion, strengthen digital service delivery and progress toward readiness for transformation into a licensed Microfinance Deposit-taking Institution.
1
Tier IV MFI status
Operating within the applicable regulatory framework.
2
Ministry of Finance, Planning and Economic Development (MoFPED)
Regulatory oversight under the applicable Tier IV microfinance framework.
3
Digital transformation
Expanding digitally enabled customer access and institutional systems.
4
MDI readiness by 2030
A strategic ambition subject to regulatory requirements and approval.
Governance and Leadership
Strategic oversight and accountable leadership.
Governance and Leadership
Strategic oversight and accountable service
Institutional leadership
Strong governance supporting responsible financial services.
The Board provides strategic and governance oversight while management implements approved institutional plans through executive leadership, departmental management and operational teams.
Strategic direction
Risk and compliance oversight
Responsible institutional growth
Customer and community focus
Since 2006
Serving rural entrepreneurs and communities
Tier IV
Microfinance institution status
Regulated
Ministry of Finance, Planning and Economic Development (MoFPED)
2030
Strategic horizon for institutional transformation
Finance with purpose.
Beyond credit, ENCOT supports responsible practices and community-focused initiatives that strengthen inclusion, enterprise resilience and sustainable development.
Financial Literacy
Budgeting, savings, responsible borrowing and digital-finance awareness.
Women’s Empowerment
Tailored products, leadership training and savings-group support for women entrepreneurs.
Agricultural Development
Climate-smart farming, value-chain finance and crop-diversification support.
Environmental Sustainability
Tree planting, paperless services, energy efficiency and responsible waste practices.
Governance and Ethics
Responsible lending, anti-fraud standards, consumer protection and client-data privacy.
Digital Inclusion
Expanding digital financial access and practical cybersecurity awareness.
Stories of growth, resilience and progress.
See how ENCOT customers are strengthening businesses, homes and livelihoods through access to appropriate financial services.
From Hawking to Wholesale: Mr. Kasirye Edward’s Enterprise Growth Journey
From selling clothes as a hawker to operating an established wholesale business in Masindi, Edward’s journey shows how working-capital finance and financial-literacy sup…
Read storyBuilding Dreams, One Brick at a Time: Sylvia’s Journey to a Better Future
Through housing finance and professional guidance from ENCOT Microfinance, Sylvia moved closer to her long-held goal of providing her family with a safe, spacious and pe…
Read storyWorking with institutions that strengthen inclusive finance.
ENCOT works with local and international institutions supporting credit, technical assistance, capacity building and industry development.
Housing Finance Bank
Housing Finance Bank
REG
Ministry of Finance, Planning and Economic Development (MoFPED)
ENCOT Microfinance Limited operates within Uganda’s applicable Tier IV microfinance regulatory framework.
Talk to ENCOT about your financial or enterprise needs.
Apply online, visit a branch or send an enquiry for guidance on the most appropriate next step.