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Every business that extends credit—whether it’s a bank, microfinance institution, SACCO, or small enterprise—eventually faces the challenge of non-performing loans (NPLs). In Uganda, where access to credit is a lifeline for SMEs, farmers, and individuals, loan defaults can quickly erode trust between lenders and borrowers. But here’s the dilemma: while…

Introduction: The Growing Payroll Burden for Ugandan Businesses Payroll is the lifeline of any organization. It’s not just about paying salaries—it’s about ensuring accuracy, compliance, and employee trust. In Uganda, payroll management has become increasingly complex. With multiple statutory requirements such as: … many businesses—especially small and medium enterprises (SMEs)—struggle…