Institutional Background
ENCOT traces its roots to Enterprise Support and Community Development Trust, established in 2006 to respond to community enterprise and development needs in Masindi.
Our Institutional Journey
From community roots to inclusive microfinance.
ENCOT’s development reflects a long-term commitment to financial inclusion, rural enterprise and responsible institutional growth.
Nature of Business
ENCOT Microfinance Limited provides inclusive financial services to micro and small-enterprise communities through a sustainable and responsible approach.
Institutional Relationship
ENCOT Microfinance Limited operates as the microfinance arm, while ENCOT Foundation Limited continues complementary non-financial rural enterprise-development work.
Regulatory Position
ENCOT operates as a Tier IV microfinance institution regulated and supervised by the Ministry of Finance, Planning and Economic Development.
Institutional development since 2006.
A concise overview of ENCOT’s development from community roots to its current strategic direction.
Community roots
Enterprise Support and Community Development Trust was established in Masindi to respond to community enterprise and development needs.
Microfinance services develop
Financial services expanded 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.
Institutional development
The strategic period focused on market growth, product improvement and stronger institutional capacity.
Green, Inclusive and Impactful Finance
The current strategic direction prioritises financial inclusion, digital transformation and responsible institutional growth.
Strategic Direction 2026–2030
Green, Inclusive and Impactful Finance.
ENCOT’s five-year strategic direction focuses on deeper financial inclusion, stronger customer centricity, digital transformation and institutional development toward readiness for transformation into a Microfinance Deposit-taking Institution by 2030, subject to applicable regulatory requirements and approvals.