Inclusive Finance for Refugees & Host Communities
RUFI provides inclusive financial services that help entrepreneurs, farmers, small businesses, refugees and host communities build stronger livelihoods across Uganda and South Sudan.
01.
Affordable Microfinance
We offer flexible and affordable loans that help individuals and small businesses grow and improve their livelihoods.
02.
Financial Inclusion
We expand access to financial services by promoting savings, responsible borrowing, and financial literacy.
03.
Community Empowerment
We support communities to build sustainable income, resilience, and long-term economic growth.
17+
YEARS OF WORKING EXPERIENCE
CALL TO EXPERTS
+256 (782) 227-315
Building Financial Bridges Across Communities
ural Finance Initiative (RUFI) is a cross-border microfinance institution operating in South Sudan since 2008 and Uganda since 2017.
With over 17 years of post-conflict microfinance experience and 8 years of refugee finance experience in Uganda, RUFI is committed to expanding access to inclusive financial services and supporting sustainable livelihoods in the communities it serves.
Mikalal Walker
CEO, Head Director
Financial Inclusion With Experience
Every community has different financial needs. RUFI provides inclusive financial solutions designed to support people, enterprises and communities where access to appropriate financial services can make a meaningful difference.
01.
Women
Supporting women with access to finance, savings and opportunities to strengthen their economic participation.
02.
Entrepreneurs
Access financing and support to establish, strengthen and grow productive businesses.
03.
Farmers
Financial solutions designed to support commercially oriented farmers and agricultural activities.
04.
Refugees & Host Communities
Inclusive financial services supporting livelihoods, self-reliance and economic participation.
05.
SMEs & Community Institutions
Financing solutions for established enterprises and institutions seeking growth, stability and working capital.
Financial Solutions That Create Opportunity
RUFI combines access to finance with savings, financial education, digital solutions and community-based support to help individuals, entrepreneurs and businesses build stronger financial futures.
Flexible loan products designed to support individuals, groups, and small businesses in growing their income and livelihoods
Tailored financial services supporting refugees and cross-border traders operating between South Sudan and Uganda.
Safe and reliable savings solutions that help clients build financial security and plan for the future.
Practical financial education that promotes responsible borrowing, savings, and business management
Have Any Projects For Us ? Contact Us Anytime.
Find the Financing That Fits Your Need
Whether you are starting or expanding a business, farming, managing a savings group or growing an established enterprise, RUFI offers loan products designed around different financial needs.
Loans for low-income entrepreneurs, especially women, who lack collateral for conventional loans.
For entrepreneurs whose capital requirements exceed group loan limits or have graduated from group loans.
For commercially oriented farmers dealing in annual crops, using both group and individual methodology.
Winner – European Microfinance Award 2024
RUFI MFI, Uganda shines at the European Microfinance Awards in Luxembourg.
WHY RUFI
Community-Based
Experienced
Beyond Lending
Cross-Border
- Innovation Driven
Financial inclusion is about more than providing money. RUFI combines financial services, financial literacy, community engagement and enterprise support to help clients build sustainable livelihoods and greater financial resilience
Our Milestones
Financial Services Within Reach
RUFI operates across key towns, refugee settlements and trading centres in Uganda and South Sudan, bringing financial services closer to the communities we serve.
🇺🇬 UGANDA
Koboko Town - Main Branch
📍 Koboko Town, Plot 54, Sakari Road
📞 Contact Branch: +256 778 – 646275
Our Koboko Main branch serves the local community with reliable services and support.
Morobi Refugee Settlement
Konyo Konyo Market, Morobi Refugee Settlement
+256 773 240636
Adjumani Town
Adjumani Branch
Adjumani Town, Adjumani Central Market
+256 781 119184
Bweyale Town:
Bweyale Town, Diika Road
+256783679525
Palabek Refugee Settlement
Paluda Trading Centre, Palabek Refugee Settlement
+256780660941
Rhino Camp
Rhino Camp Branch
Rhino Camp – Ofua 3 T. Centre
+256781911334
🇸🇸 SOUTH SUDAN
Juba, Munuki Branch
Juba, Munuki, St. Kizito/Suk Libya Road
+211923 116668
Bor Town Branch
Marol Market, Bor Town
+211921722213
Yambio Town Branch
Yambio Town, Opposite Yambio FM
+211928105777
Kajo Keji Branch
Wudu Trading Centre
+211927314274
Programmes Creating Real-World Impact
Beyond individual financial services, RUFI participates in programmes designed to expand financial inclusion, strengthen livelihoods and respond to the specific needs of underserved communities.
BUSINESS MANAGING
Refugee Finance Program – Uganda
PLAN IMPLEMENTATION
Post-Conflict Microfinance Program – South Sudan
SAVINGS PROGRAM
Morobi Refugee Settlement Savings Program
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Get a call back
Joining RUFI’s Digital VSLA program has transformed the way I save and manage money. It’s simple, secure, and has brought my community closer. I now feel empowered to make better financial decisions."
We Offer Financial & Superior Services
Extending banking, savings, and money transfer services to underserved and remote communities.
OUR PARTNERS
RUFI works with partners to expand access to financial services, strengthen communities and develop innovative approaches to inclusive finance.
Frequently Asked Questions
Have questions? We’ve got you covered. Here are answers to some of the most common queries about our services
RUFI is a microfinance institution that focuses on empowering individuals, groups, and businesses by sustainably providing inclusive financial services. Serving underserved communities in South Sudan and Uganda, we are committed to our mission of uplifting living standards through innovative financial products and services.
We offer a comprehensive range of financial services designed to empower underserved communities in South Sudan and Uganda. Our services include Group guarantee loans, Individual Loans, Agriculture loans, and VSLA loans.
At RUFI, we offer additional financial services to further support the financial well-being of our clients:
Daily Fixed Savings (DFS): A savings product provided in South Sudan that allows clients to make deposits daily, weekly, or monthly.
Agent Banking: In partnership with Centenary Bank, Equity Bank, and Stanbic Bank in Uganda, we mobilize savings through agent banking services.
Money Transfers/Mobile Money Services: We provide local remittance services and mobile money services with lower transfer fees.
To apply for a loan, you can visit any of our branches, contact our customer service team, or apply online through our website. Our staff will guide you through the application process and help you choose the best loan product for your needs
Yes, we use top-level security measures to protect your data at all times