Empowering Communities through Inclusive Finance.
De Muro Finance Limited delivers sustainable microfinance solutions to underserved communities — empowering women, smallholder farmers, and entrepreneurs across Mukono and Kayunga Districts.
Loan Products Built for Real Life.
Group Agricultural Loans
Collateral-free group lending for women in micro-agricultural businesses. UGX 500K – 3.5M.
SME & Enterprise Loans
Working capital for micro and SME businesses. UGX 3.5M – 30M.
Salary-Backed Loans
For teachers, health workers and NGO staff. UGX 1.5M – 10M.
How De MFL Works
Apply
Walk into any branch. A Credit Officer assesses your needs within 24 hours.
Appraisal
Loan assessment in 1–3 business days. Group loans are collateral-free.
Disbursement
Funds sent to mobile money or bank account. Start growing immediately.
Growing Toward UGX 5.8 Billion.
De MFL's three-year strategic plan targets sustainable portfolio growth from UGX 2.18B (2025 actual) to UGX 5.81B by December 2028.
| Target | UGX 5.0B |
|---|---|
| Current Equity | UGX 2.93B (58.6%) |
Projected Growth 2026 – 2028.
Based on the De MFL Strategic Business Plan targets. All figures in UGX.
Gross Loan Portfolio (UGX Billions)
| 2025 (Actual) | 2.18B |
|---|---|
| 2026 | 3.74B |
| 2027 | 4.89B |
| 2028 | 5.81B |
Active Borrowers Growth
| 2025 | 1983 |
|---|---|
| 2026 | 2876 |
| 2027 | 3886 |
| 2028 | 4920 |
Funding Our Growth Ambition.
De MFL's growth will be funded through a disciplined mix of retained earnings, external loan capital, and grant financing.
Retained Earnings
Profits are retained until the Gross Loan Portfolio reaches UGX 10 billion, per dividend policy. This provides the primary equity base.
Debt / Loan Capital
External borrowings from commercial and social impact investors, providing leverage for portfolio growth beyond equity capacity.
Grant Financing
Targeted grant proposals to social impact funders, particularly for agricultural, housing, and women-focused lending capacity.
To empower communities by providing sustainable financial solutions that support entrepreneurship, resilience and economic growth.
De MFL Mission StatementBuilt for Uganda's Grassroots Economy.
Women Entrepreneurs
80% of our portfolio serves women at the grassroots level.
Smallholder Farmers
Seasonal credit for agricultural productivity.
Micro & SME Businesses
Working capital and trade financing.
Salaried Professionals
Salary-backed and school fees loans.
Ready to grow your enterprise?
Join over 13,586 households already on the path to financial freedom with De MFL.