Kampala, Uganda
Over 25 years spanning microfinance, rural financial institutions, MSME finance, and climate adaptation finance. Practitioner, academic, and independent consultant working across Uganda and the wider East and West African region.
PhD holder in Business Administration and Sustainability. Certified Expert in Climate Adaptation Finance (Frankfurt School). Practitioner background in credit, banking, and programme management before moving into technical advisory and academic roles. Current work bridges field-level finance practice, institutional research, and higher education.
Academic
Makerere University Business School — Faculty of Commerce. Teaching microfinance, financial inclusion, and banking. Research Fellow, Climate Finance & Sustainability Centre.
Consulting
Technical advisory in rural finance, inclusive finance, climate adaptation finance, and MSME development. Current and recent engagements with IFAD across East Africa and MENA.
Research
Published on financial inclusion, financial literacy, cooperative governance, and rural finance. Active research on blended finance for domestic capital mobilisation in Uganda.
Teaching
ICT University — teaching and mentoring at PhD level in research methods and academic writing.
Consulting
Independent technical consultant with a focus on rural finance, financial inclusion, and climate adaptation finance. Recent and current engagements have been primarily with IFAD — covering East Africa and the MENA region (Algeria, Egypt, Jordan, Morocco, Sudan, Tunisia). Work spans partner financial institution assessments, market analysis, capacity-building programme design, and impact evaluation. Led an OECD-DAC-framed impact evaluation of a remittance-linked financial inclusion initiative in 2025. Earlier, supported IFAD's LACF/STAR project in Liberia, working with cooperatives, farmer organisations, and MSMEs on access-to-finance constraints.
Academia
Part-time lecturer at Makerere University Business School (MUBS) since 2021, teaching in the Faculty of Commerce — courses include Microfinance Reporting Systems, Financial Inclusion, and Commercial Banking. Also teaches research methods and academic writing at PhD level at ICT University. Research Fellow at the MUBS Climate Finance and Sustainability Centre, currently leading primary research on blended finance for domestic capital mobilisation in Uganda under the CC Facility Learning Hub.
Earlier Career
Over a decade of operational experience in financial institutions before moving into advisory and academic work. Managed IFAD-funded financial inclusion programmes at the Ministry of Finance Uganda (PROFIRA and RFSP), overseeing institutional strengthening across 750+ rural financial institutions, 310 SACCOs, and 1,000+ savings groups. Prior roles included credit officer at The Cooperative Bank, banking officer and stockbroker at Bank of Baroda, and programme officer for a UNDP SME support initiative covering 11 districts across Uganda.
Latest from my work — publications, projects, commentary.
June 2025
Impact evaluation of remittance-linked financial inclusion initiative
Completed a full independent impact evaluation applying OECD-DAC criteria for FRIENDS Consult / IFAD. Oversaw fieldwork, evidence synthesis, and final reporting.
2025
New publication: Prudential regulation and survival of financial cooperatives in Uganda
Co-authored with F. Yosa and M. Musa. Published in ORSEA Journal, 15(1). Examines how regulatory frameworks and board governance shape SACCO survival in Uganda.
2025
Ongoing research: Blended finance for domestic capital mobilisation
Leading RQ2 of a primary research project at the MUBS Climate Finance and Sustainability Centre under the CC Facility Learning Hub. Focus on constraints facing institutional investors in Uganda.
For consulting enquiries, research collaboration, or academic correspondence.