About Us
A proposed community microfinance business based in Kyengera, Wakiso District, Uganda.
Responsible credit for women and small businesses
NOWERA FINANCIAL SERVICES LIMITED is a proposed microfinance business based in Kyengera, Wakiso District, Uganda. Our purpose is to improve access to responsible credit for women, informal traders, micro-enterprises, and organised women's groups.
We believe that access to suitable working capital can help small businesses purchase stock, improve their services, expand productive activities, and strengthen household incomes.
Our business model combines individual credit assessment with community-based mobilisation, regular client follow-up, transparent loan agreements, and disciplined financial management.
Our Vision
To become a trusted community microfinance institution that enables women and low-income households to strengthen their businesses, income, and financial stability.
Our Mission
To provide accessible, transparent, and responsible microcredit that supports productive economic activities while protecting clients and maintaining a sustainable financial institution.
Our Core Values
Integrity and transparency
We aim to communicate financial terms clearly and maintain accurate records of all transactions.
Client respect
We treat clients with dignity and handle their personal information confidentially.
Women's empowerment
We prioritise financial opportunities for women and women-led income-generating activities.
Accountability
We value responsible decision-making, professional conduct, and proper financial controls.
Community development
We seek to contribute to stronger small businesses and more financially stable communities.
Our Strategic Objectives
Over the planning period, NOWERA aims to:
Establish a well-managed operation
A microfinance operation in Kyengera and nearby communities.
Provide appropriately sized credit
To women and small businesses.
Develop sustainable lending practices
While protecting capital and liquidity.
Build community relationships
With women's groups, community leaders, and business networks.
Improve repayment performance
Through careful assessment and regular monitoring.
Introduce stronger digital record-keeping
As operations develop.
Expand only when ready
When portfolio quality, liquidity, staffing, and regulatory compliance support growth.