About ENCOT Microfinance
Inclusive finance for communities and enterprises.
ENCOT Microfinance Limited provides financial services to micro and small-enterprise communities in Uganda, with a focus on accessibility, sustainability and responsible growth.
ENCOT
Building financial access from strong community roots.
Our Institution
From community-based beginnings to a Tier IV microfinance institution.
ENCOT traces its roots to Enterprise Support and Community Development Trust, established in 2006 to respond to community enterprise and development needs.
Following an institutional transition, ENCOT Microfinance Limited became the microfinance arm, while ENCOT Foundation Limited continued complementary non-financial rural enterprise-development work.
Today, ENCOT focuses on inclusive financial services for rural micro-entrepreneurs, community groups and small enterprises, guided by responsible service and sustainable institutional growth.
Inclusive financial services delivered sustainably.
Provide inclusive financial services to micro and small enterprise communities in Uganda in a sustainable approach.
Accessible and sustainable finance for rural communities.
Affordable, accessible and sustainable financial services for low-income rural communities in Uganda.
Principles that guide how ENCOT serves.
Our values shape customer service, institutional conduct and responsible growth.
Innovation & Creativity
Developing practical financial and enterprise solutions for changing customer needs.
Professionalism & Integrity
Delivering services responsibly, transparently and with accountability.
Humility & Respect
Serving customers, colleagues and communities with dignity and understanding.
Fairness & Honesty
Promoting clear communication, ethical conduct and equitable treatment.
Institutional development rooted in financial inclusion.
ENCOT's development reflects the separation of microfinance and non-financial development roles, continued service to communities and a long-term institutional growth agenda.
Community roots
ENCOT began as Enterprise Support and Community Development Trust, established to respond to community enterprise and development needs in Masindi.
Microfinance services expand
Financial services developed around rural micro-entrepreneurs, community groups and small enterprises.
Microfinance and development roles separated
ENCOT Microfinance Limited became the microfinance arm, while ENCOT Foundation Limited continued complementary non-financial rural enterprise-development work.
Green, Inclusive and Impactful Finance
The current strategic direction focuses on financial inclusion, digital transformation, responsible growth and progress toward MDI readiness.
Strategic Direction 2026–2030
Green, Inclusive and Impactful Finance.
The five-year Strategic Plan guides ENCOT's work to deepen financial inclusion, strengthen customer centricity, expand digitally enabled services and progress toward readiness for transformation into a Microfinance Deposit-taking Institution by 2030, subject to applicable regulatory requirements and approvals.
Financial inclusion
Customer centricity
Digital transformation
Responsible institutional growth
Explore ENCOT's institutional leadership.
Separate pages provide the detailed Board, Management and organizational structure information.
Board of Directors
Governance and strategic oversight of the institution.
View BoardManagement Team
Executive and departmental leadership responsible for institutional operations.
View ManagementOrganizational Structure
See how governance, leadership and operational functions are organized.
View StructureExplore ENCOT financial services.
View available loan products or contact ENCOT for guidance on the services that may fit your needs.