Simple. Affordable. Reliable. Sustainable.
Accesible Soft Loans for Rural & Peri-Urban Communities
Access the financing you need for your farm, business, education, home or other important goals – with a 2.8% monthly interest rate and flexible repayment options.
Receive free financial education to help you make informed decisions and use your financing wisely.
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Who we serve
Created for people banks often leave out
If you find it difficult to qualify for a bank loan, you are welcome here. We work with everyday Ugandans in the village – not only people with titled land.
School fees
Pay school fees on time without selling land or waiting on a bank that will not listen.
Farmers
Buy seed, tools, or livestock when the season is right — not when a distant office says so.
Small businesses
Restock the stall, the boda, or the kiosk with a loan sized for real village business.
Entrepreneurs
Rural business owners who need capital to grow their shops, stalls and income-generating activities.
Women
Women often locked out of formal credit, yet determined to grow businesses and support their households.
Young people
Ambitious youth ready to start businesses and create jobs instead of waiting for employment.
Loan features
The outstanding benefits of our microcredit
We combine practical loan features with clear terms to give you a borrowing experience that works around real financial needs.
Affordable
Financing designed to support productive needs without making access to credit unnecessarily burdensome.
Accesible
Access between UGX 100k - UGX 50M, depending on the type of loan and your individual circumstances.
Protected
Your loan is assured against unforeseen events such as accident, death or disability.
Convenient
Receive your funds and make repayments through convenient mobile money and banking channels.
Flexible
Choose repayment options that suit your income, including weekly, bi-weekly, monthly, seasonal or annual payments.
Fast
Once approved, funds can be disbursed within 24–72 hours, depending on the loan type.
Why Self Made Rural Initiative Limited
A partner, not a trap
Access to finance can change what is possible.
Many hardworking people have the potential to succeed but lack access to the financing they need. A farmer may have a good harvest ahead but no money to prepare for the season. A market trader may have customers but not enough working capital. A young entrepreneur may have an idea and the determination to make it work, but no affordable source of startup funding.
That is why we exist.
We provide soft, accessible and affordable micro-credit designed around the realities of people living and working in rural and peri-urban communities.
“A loan can give you the opportunity to move forward. Financial knowledge helps you make sure that opportunity works for you…”
~ Alexandra K
Our working process
A simple process, with support at every step
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Tell us what you need
Contact us through WhatsApp or through the form to discuss your financing needs.
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Meet With Us
Meet with the SMRI team in person and discuss your situation, needs and suitable loan option.
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Submit Your Application
Complete the loan application and provide the required information and documents, including a National ID and, where applicable, a guarantor or group membership.
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Complete Financial Training
Attend the required free financial education before receiving the loan, covering responsible borrowing, managing the funds and using them wisely.
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Loan Assessment & Approval
Our team reviews your application and assesses whether the loan meets its lending requirements.
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Receive the funds
Once approved, the funds are sent directly to your mobile money account or bank account, depending on the arrangement.
More than money
Free financial education
Every loan is preceded by free financial training designed to help you make informed decisions, manage your finances responsibly and use your financing wisely.
Our practical and relatable training helps you learn how to:
- Build income-generating activities
- Invest wisely
- Reduce financial risks
- Handle loaned money wisely
- Plan and invest for the future
- Borrow responsibly
- Save for your goals
- Earn and spend responsibly
A loan can give you the opportunity to move forward. Financial knowledge helps you make sure that opportunity works for you.
Client voices
Hear from those who know us best
Behind our work are real experiences, challenges overcome and steps taken forward.
Parent - Mukono
I had no land title the bank would accept. Twegatte took our farmers’ group. Seed went in the ground on time.
Farmer - Lira
The training showed me how to separate shop money from home money. The loan was the start. The advice kept me standing.
Trader - Mbarara
Start here
Request a Call Back
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. Fill in the form and we will contact you shortly.
The loan
All about our way of money lending
Sized for school fees, a season of farming, or stock for a small shop. Not a bank product dressed up for town.
The school was sending my children home. The group loan paid fees that week. We repaid from my stall, together.