0
PAR reduction achieved
0
Institutions served
0
SMEs trained
0
Compliance readiness

Default Risk Reduction

MFIs, SACCOs, Digital Lenders

Reduce PAR from 17%+ to under 5% with ROI-driven credit strategies.

Entry Point: Free PAR Health Check
PAR analysis
PAR Deep Dive
Portfolio at Risk analytics & early warning triggers
collections
Collections Optimization
Recovery strategies & digital follow-up systems
risk
Credit Scoring Models
AI-driven underwriting & risk segmentation
Start Free Health Check

Asset Finance Optimization

BodaBoda, Vehicle, Equipment

Design profitable asset products using proven Tugende model & process audits.

Entry Point: Process Audit
boda
BodaBoda Loan Structuring
Repayment alignment with cashflow cycles
asset
Portfolio Profitability
Margin analysis & product redesign
audit
Operational Audit
End-to-end workflow efficiency
Optimize Assets →

Digital Lending Compliance

UMRA 2025 Readiness

Navigate Uganda's regulatory landscape with compliance playbooks.

Entry Point: Regulatory Playbook
compliance
UMRA Gap Assessment
Full readiness checklist & roadmap
policy
Policy Drafting
AML, KYC & data protection frameworks
training
Staff Compliance Training
Interactive workshops for teams
Ensure Compliance

SACCO Transformation

Governance, Digital, Operations

Modernize SACCOs & VSLAs: digital core & member growth.

Entry Point: Governance Diagnostic
governance
Board Effectiveness
Governance audits & strategic planning
digital
Digital Core Upgrade
Core banking & member app integration
loan
Loan Book Health
PAR reduction & growth strategies
Transform SACCO

SME Business Growth

Marketing, Pricing, Cash flow

Fix revenue engines & build consistent client acquisition.

Entry Point: Revenue diagnostic
marketing
Digital Marketing Audit
SEO, social media & funnel optimization
pricing
Pricing Strategy
Value-based pricing & margin growth
cashflow
Cashflow Forecasting
Working capital & liquidity planning
Boost Revenue

Financial Literacy Programs

B2B · B2C · Schools

Budgeting, debt management, institutional risk training.

Entry Point: Custom curriculum
b2b
B2B Staff Training
For MFIs, banks, SACCOs on risk behavior
community
Community Programs
VSLA groups, informal sector workshops
youth
Youth & Schools
Financial literacy camps & curriculum
Empower Communities

UPANZI SOLUTIONS

Local expertise · Global standards · Kampala, Uganda

Founded in May 2024, we combine deep East African market insight with world-class consulting methodologies. Our unfair advantage comes from Tugende's asset finance model and operational experience in Uganda's financial sector.

  • Unfair advantage: Tugende asset finance playbook
  • Local roots: Ground-level Ugandan MFIs, SACCOs, fintechs
  • Regulatory foresight: UMRA 2025 & BOU compliance
Partner with us →
team consulting

Success Stories

Real impact across East Africa's financial ecosystem

MFI Risk Overhaul
📊 Kampala MFI Risk Overhaul

Reduced PAR from 22% to 9% in 6 months, boosted collections by 34%.

Risk FrameworkCollections Audit
View case
Asset Finance
🏍️ Asset Finance Revamp

Improved product design, reduced default rate by 27% using Tugende insights.

Asset StructuringRepayment Innovation
Read story
Compliance
⚖️ Digital Lender UMRA Prep

Full compliance playbook & licensing support, passed regulatory stress test.

Compliance AuditPlaybook Dev
Explore

Let's build resilience

Book free 30-min diagnostic or send inquiry — we respond within 24h.

Kampala, Uganda
deogratiousaina@gmail.com
+256 788322049 / +256 755020009

Request consultation