Financial Strength.
Social Impact.
At De MFL, we believe rigorous financial discipline is the prerequisite for sustainable social impact. Explore our 2026–2028 operational trajectories.
See our Success Stories & Testimonials arrow_forwardSuccess Stories & Testimonials.
Community Transformation
Our interventions go beyond simply extending credit. By combining financial literacy training with our flexible loan products, we spark measurable growth in local commerce, fortify agricultural stability, and build profound community resilience across the region.
Owino Rodgers
"Strategic investments that transformed his farming business."
In the rural district of Mukono, Nagojje Sub County, lived a hardworking farmer named Owino Rodgers, who depended on small-scale sugarcane Growing to support his family. For years, Owino struggled with low yields due to limited access to quality inputs, his incomes were unstable, and he often found it difficult to fend his family.
The metamorphosis of events was when Owino accessed a credit facility from De Muro Finance Limited of UGX 1,000,000, and made strategic investments that transformed his farming business. He purchased high-quality sugarcane seedlings, which significantly improved the yield per acre, expanded his farmland from 2 acres to 5 acres, applied organic fertilizers and acquired labor for routine shamba weeding ensuring his crops remained healthy year-round.
Owino often attended agricultural training sessions organized by the lender, where he learned modern farming techniques, including proper spacing, pest control, and soil fertility management. This knowledge helped him reduce losses and increase productivity.
Owino has secured a harvesting permit from SCOUL a nearby sugar processing factory, guaranteeing a ready market and better prices and his able to repay his loan timely, built a permanent house, cleared school fees for his children and also purchased a motorcycle to ease transportation to the shamba.
Today, Owino is not only financially stable but also employs several people from the community in his shamba contributing to local economic growth, and also put up a retail shop for his wife. His story is a clear example of how access to affordable financing by De muro finance ltd, combined with proper planning and hard work, can transform smallholder farmers into successful agribusiness entrepreneurs.
Nabuduwa Viola
"From a struggling backyard farmer to a successful poultry entrepreneur."
In the district of Mukono, Katoogo village Nama subcounty, lives a determined woman named Nabuduwa Viola, a mother of four who relied on small backyard farming to sustain her family. Viola kept a few local chickens that roamed freely around her home. While they provided occasional eggs, the income was too little to meet her family’s growing needs.
Life was difficult—school fees were often unpaid, and feeding her children consistently was a challenge. Viola knew she had potential to grow her poultry business, but lack of capital held her back.
Her breakthrough came when she joined De Muro Finance Limited and later secured a UGX 1,000,000 loan which she invested wisely:
- She constructed a proper poultry house to safely rear more birds.
- She purchased 200 improved layer chicks known for high egg production.
- She bought quality feeds and vaccines to ensure the health and productivity of her birds.
Within five months, birds began laying eggs. At first, she collected about 5 trays per day, which she sold to local shops, schools, and neighbors. As production increased, she built strong relationships with regular buyers, ensuring a steady market.
In an effort to expand her business, Viola opened up an egg collection center where other farmers bring their eggs for sale. She reinvested in her business by increasing the number of birds and expanding her poultry house. She has also diversified and operates a retail shop with beverages alongside the poultry business.
Today, Viola produces over 20 trays of eggs daily and supplies several retailers in her area. She has become financially independent and now employs two workers to help manage the poultry farm. Viola’s journey from a struggling backyard farmer to a successful poultry entrepreneur is a powerful example of how access to finance, combined with knowledge and discipline, can transform livelihoods. Her story continues to inspire many women in her community.
Nalumansi Betty
"Even small businesses can grow into sustainable sources of income."
In the lakeside community of Mukono District, Katoogo village, Nama Sub County, there is Nalumansi Betty, a single mother of three, who struggles to make ends meet. After her husband passed away, she became the sole provider for her family. Nalumansi operated a beverage business in a kiosk. With the implementation of the TRADE ORDER LAW, her kiosk was demolished, she lost everything, and was forcefully returned to the village.
With little education and no formal employment, she turned to selling silver fish (mukene), a common but highly competitive business on a very small scale. She could only afford to buy a few kilograms of silver fish, which limited her profits. Often, she sold out quickly but lacked enough capital to restock in larger quantities. On bad days, she even missed meals so her children could eat.
Her turning point came when she joined De Muro Finance women group and later qualified for a UGX 500,000 loan from the institution. With the loan, Nalumansi made smart business decisions:
- She began buying silver fish in bulk directly from fishermen, which reduced her costs.
- She invested in better drying and storage equipment to improve quality and reduce spoilage.
- She expanded her market by supplying retailers instead of only selling at the local market.
Nalumansis’ business has grown significantly, daily profits have increased, has gained a reputation for selling clean, high-quality mukene, able to repay her loan on time without stress.
Nalumansi has improved her family’s living conditions, pays school fees for her children, and today, she is a respected businesswoman in her community. Her story continues to inspire many other women to believe that even small businesses can grow into sustainable sources of income with De Muro Finance women group loan.
Financial Trajectory.
De MFL operates under strict efficiency mandates, capping administrative expenses while driving top-line growth to maintain an Operating Self-Sufficiency ratio above 200%.
Operating Income vs Costs
Values in UGX Billions| Year | Income | Costs |
|---|---|---|
| 2025 (Act) | 0.99B | 0.60B |
| 2026 (Proj) | 1.54B | 0.87B |
| 2027 (Proj) | 2.07B | 1.05B |
| 2028 (Proj) | 2.47B | 1.17B |
Net Profit Before Tax Trajectory
Values in UGX Millions| 2025 | 385M |
|---|---|
| 2026 | 662M |
| 2027 | 1,023M |
| 2028 | 1,302M |
Branch Network Timeline.
Strategic growth focusing on deep geographic penetration rather than rapid, thin expansion.
Mukono Branch
HeadquartersEstablishment of the institution and rollout of initial Group Agricultural methodologies.
Kayunga Branch
ExpansionStrategic opening to serve the deep agricultural belts of Kayunga District, hitting operational sustainability within 12 months.
Target Branch 3
Strategic GoalPlanned opening of a third location to capture adjacent agricultural corridors.
Invest in Communities.
Speak with our leadership team about social investment opportunities and partnership grants.
Target Client Metrics.
Outreach Goals