Digitalization of Village Savings and Loans Associations (VSLAs) in Uganda

  • March 25, 2021

  • Publications, guides and communication materials


Village Savings and Loans Associations (VSLAs) are savings groups that are self-managed by the members. The core objectives of these groups are to provide a safe environment for members to save money through purchase of shares, and access small loans.

This case study is presented by UNCDF partner Ensibuuko Tech Limited, a Ugandan Financial Technologies company (FinTech) established in 2014 that enables digital access of affordable and relevant financial services to unbanked communities.

Over the years, Ensibuuko has built a successful business in digitalizing Savings and Credit Co-operatives (SACCOs) through a microfinance platform (Mobis), and established a thriving ecosystem of services for SACCOs including integration to mobile money systems and other payment platforms.

In 2017, taking into account the opportunities presented by VSLAs as well as the existing needs for digitalization, Ensibuuko, with the support of the USAID Feed the Future, expanded their portfolio to include Village Savings and Loan Associations (VSLAs). Ensibuuko adopted a Human Centered Design methodology to build a unique set of tools for VSLAs.

Download the case study to learn more.

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