Microfinance & Credit Services
Accessible loans tailored to individuals, households, micro-entrepreneurs, small businesses and rural communities.
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ENCOT Services
Finance, enterprise and livelihood support.
ENCOT Microfinance provides inclusive financial services and enterprise-development support to individuals, households, community groups and growing enterprises, particularly underserved and rural communities.
Our Service Mandate
Financial access connected to enterprise development.
ENCOT combines credit, enterprise support, financial education and community inclusion to help customers strengthen livelihoods, businesses and long-term economic resilience.
Practical support across eight connected areas.
Explore the main areas through which ENCOT supports customers, enterprises and communities.
Agricultural Finance
Financing for smallholder farmers and agriculture-related enterprises across production and value-chain activities.
Explore Agricultural FinanceMicro & Small Enterprise Financing
Working-capital and business-development financing supporting income-generating activities and enterprise growth.
Explore Business FinanceGroup & Community-Based Lending
Financing designed for organised groups and community-based customers pursuing shared economic activities.
Explore Group FinanceEnterprise Development Services
Business training, mentorship and practical support designed to strengthen enterprise performance and readiness for growth.
Enterprise DevelopmentFinancial Literacy & Client Education
Practical support for budgeting, financial management, savings and responsible borrowing.
Contact ENCOTCommunity Development & Financial Inclusion
Programmes and financial access aimed at improving livelihoods and extending services to underserved communities.
Financial InclusionBusiness & Livelihood Support
Practical support helping households and entrepreneurs establish, expand and sustain income-generating activities.
View Enterprise SupportClear guidance from enquiry to the next step.
Identify Your Need
Explore services and loan products or contact ENCOT for guidance on the option closest to your needs.
Receive Guidance
ENCOT provides information on the relevant service, product and current requirements.
Take the Next Step
Proceed with the appropriate application, enquiry or enterprise-support process.
Looking for the right financial service?
Explore ENCOT loan products, begin a preliminary application or contact our team for guidance.