Our Partners


ENCOT is a social impact MFI that works to alleviate the plight of the poor by enabling access to affordable financial services. Reaching out to poor rural farmer communities has many challenges that need synergy from different players. In its work, ENCOT is currently blessed with the generous support of the following partners:


HIVOS - HIVOS is a Dutch international development organization guided by humanist values. HIVOS’ work is geared towards a free, fair and sustainable world – where both women and men – have equal access to opportunities and resources for development and can participate actively and equally in decision-making processes that determine their lives, their society and their future. HIVOS is a major funder of ENCOT’s strategic plan 2012 – 2016. HIVOS has already extended a seed capital grant support of up to EUR 320,000 in the last three years to enable ENCOT attend to various institutional and on-lending capacity issues. This has enabled further outreach to more communities previously neglected. http://www.hivos.org/


GCAMF - Founded in Luxembourg by Crédit Agricole SA, a French retail bank, and Grameen Trust, a nonprofit microfinance organization affiliated with Grameen Bank of Bangladesh. Grameen Credit Agricole Microfinance Foundation (GCAMF) provides financial services to microfinance institutions (MFIs) and social business projects in the world. In July 2014 ENCOT signed a 3 years EUR 302,300 Technical Assistance (TA) and Loan Funding agreement with GCAMF. This support package has boost ENCOT’s on-lending capacity and provided an array of key organizational development solutions in; financial reporting, risk management, MIS, processes re-engineering, corporate governance, and social performance management.


aBi Trust - The Agricultural Business Initiative Trust (aBi) is a multi-donor entity jointly founded by the Governments of Denmark and Uganda and other Development Partners. The Trust supports agribusiness development in the private sector in Uganda. ENCOT has been in partnership with aBi Trust since 2012. Partnership with aBi Trust  has been along an array of Capacity Issues ranging; most especially in the area of product development, staff training, branch network expansion (Hoima and Kibaale Branch), and critical on-lending capacity support through provision of a line of credit (Whole sale fund). http://abitrust.com/


Habitat For Humanity Uganda (HFHU) – HFHU is an affiliate of Habitat For Humanity international. In 2010/2011 HFHU supported ENCOT with the Financial Literacy project in the districts of Masindi and Kiryandongo.  This was followed up with the Housing Microloan Product development process. In Dec 2013 HFHU provided ENCOT line of credit worth UGX 300,000,000 to enable boost the organization’s on-lending capacity in Home improvement Loans. www.habitat.ug


Oikocredit – is a worldwide cooperative and social investor, providing funding to the microfinance sector, fair trade organizations, cooperatives and small to medium enterprises. ENCOT has partnered with Oikocredit Since 2014 as a credit line recipient. This has enabled ENCOT reach out to more farmer communities in the region. www.oikocredit.org


Stromme Microfinance East Africa Limited (SMF EA Ltd) - Operating in the greater East Africa Region, SMF EA Ltd works to alleviate poverty through microfinance interventions. ENCOT has been partnering with SMF EA Ltd since 2014 through a wholesale fund facility and capacity building. www.stromme.org