Lending to informal sector Uganda

With over half of Uganda’s GDP anchored in the informal sector, the future of inclusive banking may hinge on one thorny issue: can bibanja—unregistered land—be safely and legally accepted as collateral? Dentons Advocates' Associate Partner, Julius Kyamanywa, explores the legal ambiguities, credit risks, and a path forward.
Julius Kyamanywa is an Associate Partner at Dentons Advocates Uganda and an Advocate of the High Court with over 15 years of multifaceted legal experience.

Credit Underwriting Of Unregistered Land (‘Bibanja’) – A Discourse On The Ambiguous Legal Regime In Uganda

Over 50% of Uganda’s GDP is attributed to the informal sector (UBOS 2024 Census Report). It is therefore inevitable that financial institutions have to tap into it to sell their financial products

 

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