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Our story
It Started With a Farmer
In Kiboga, we saw how limited access to fair financing could leave a farmer with very few choices.
The farmer had taken a loan from a money lender at the beginning of the farming season. At harvest, he was forced to sell his entire produce to the lender at a price far below its value.
With high and unclear interest and little room to negotiate, the farmer had become trapped by the very financing that was supposed to help him.
Why we exist
Self Made Rural Initiative Limited was created in response to this reality – to provide affordable, sustainable and accessible micro-credit to people who are often left with few fair financing options.
Today, our work extends beyond lending. We are building an organization focused on creating opportunities, strengthening communities and supporting people through finance, education and partnerships.
Our purpose
Expanding access & creating opportunity
We exist to help people in rural and peri-urban communities access the finance and knowledge they need to create income, strengthen their livelihoods and build better opportunities for themselves and their families.
Our Vision
To champion poverty eradication in rural areas through microcredit and financial education.
Our Mission
To provide affordable, sustainable and accessible microcredit and financial education to underserved communities, enabling people to engage in income-generating activities and contribute to economic development.
SM Rural Initiative Founder
Joshua L
Our focus
More than microcredit
Self Made Rural Initiative Limited is growing beyond lending to create opportunities through finance, education, community support and investment. Each area reflects our commitment to making a practical difference in the communities we serve.
Watch our story
Soft Loans
We provide affordable financing for farming, business, education and other important needs, helping people pursue opportunities and strengthen their livelihoods.
Free Financial Education
We provide free financial education training to help people develop the knowledge and skills to make informed financial decisions, manage their finances and use financing wisely.
Education Support
Through donations and education-focused initiatives, we support opportunities for people and communities who may need additional support to pursue education.
Investment Partnerships
We are developing opportunities to work with investors who want to participate in the company’s growth while contributing to a broader mission of expanding financial access and opportunity.
The people behind
Meet Our Team
Get to know the team working behind the scenes and in the communities we serve to make our financing services accessible, professional and responsive to our customers’ needs.
Director
Kay Guzman
HR Manager
Alexandra Nakabu
Trust & Credibility
A responsible financial partner
We are committed to providing financial services responsibly, with the standards, oversight and partnerships that give our customers greater confidence in the organization they choose to work with.
UMRA
We are licensed by the Uganda Microfinance Regulatory Authority (UMRA), operating under official regulation and accountability.
LICENSED
PRUDENTIAL
Client loans are assured against accident, death and disability. This protects families when the unexpected happens.
