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Soft loans designed around real financial needs
From individual needs, agricultural activities and small businesses to education, housing and emergencies, Self Made Rural Initiative offers different micro-credit products for people in rural and peri-urban Uganda.
Repayment: weekly, bi-weekly or monthly or seasonally depending on the loan.
Loan amounts across all loan types: UGX 100,000 – UGX 50,000,000
2.8% monthly interest rate
Women Group Loans
We know that many women in Uganda face extra challenges when it comes to getting money for their businesses or farms. That is why we created Women Group Loans. Women come together in small groups, support one another, and can access credit without needing land titles or heavy collateral. The repayment terms are flexible and the interest is kept very low. Whether you are just starting a small business, expanding your market stall, or supporting your family, we welcome you and walk with you every step of the way.
School Fees Loans
Good education is important, yet many families struggle to pay school fees when the term begins. This loan helps parents and guardians enroll their children (or themselves) for studies when the only challenge is money. We understand how heavy school fees can feel, and we are here to ease that burden.
Agricultural Loans
Farming is at the heart of rural Uganda. This loan is designed for farmers who need financing for seeds, tools, livestock, improved farming methods, or other seasonal needs. Repayment can be arranged around the farming cycle, giving you the flexibility to focus on growing your crops and building your income. Our goal is simple: help you invest in your farm, increase productivity and earn more from the land you work hard on.
Individual Loans
This loan is for one person who has a clear goal – improving a business, supporting the family, or taking an important step in life. With flexible repayment that matches your situation, many people have used it to slowly break free from the cycle of poverty and move forward with dignity.
Group Loans
When people organise themselves with a common goal – whether traders, farmers, or community members – but still find it hard to get credit from banks, this loan is for them. The group works together, supports one another, and moves toward their economic goals with clear and fair terms.
Salary Loans
Even when you receive a salary every month, it can still be hard to move forward or buy the things that matter. This loan is designed for salary earners who want to build assets, improve their home, or start a small side activity. It helps you take steady steps toward a more secure future.
Emergency Loans
Life sometimes brings sudden problems – sickness, loss, or unexpected needs. This loan is there to help you handle those difficult moments quickly and fairly, without falling into the hands of high-interest money lenders.
Housing Loans
A proper house brings more than shelter. It brings pride, security, and peace of mind. This loan helps families build or improve their home so they can have a solid foundation for a better life.
Entrepreneurship Loans
Many people in rural areas are enterprising and full of good business ideas, yet they cannot get funding from banks. This loan is made for those daring individuals who want to start or grow their own businesses. With flexible repayment schedules, it gives them the capital they need to turn their ideas into reality. These are people who say: “We aren’t job seekers, we are employers and we shall create jobs for others.”
Entrepreneurship Loans
Many people in rural areas are enterprising and full of good business ideas, yet they cannot get funding from banks. This loan is made for those daring individuals who want to start or grow their own businesses. With flexible repayment schedules, it gives them the capital they need to turn their ideas into reality. These are people who say: “We aren’t job seekers, we are employers and we shall create jobs for others.”
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THIS REQUEST IS NOT A LOAN APPLICATION. It simply lets us know that you’d like to talk with us. Your loan application will be made in person with our team.