Finance

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…

For SMEs and large businesses alike, cash flow is the lifeblood of operations. A company may be profitable on paper but still struggle if cash is tied up in unpaid invoices or poorly managed payables. Efficient accounts payable (AP) and accounts receivable (AR) management ensures that a business has enough…

In today’s fast-evolving Ugandan business landscape, SMEs face numerous challenges, from fluctuating market conditions to increasing operational costs. Making data-driven decisions has become critical for businesses that want to remain competitive, profitable, and sustainable. Central to this approach is financial analysis, which transforms raw financial data into actionable insights that…