Country Context

Financial inclusion in Uganda has shown divergent trends of late. According to the 2013 FinScope survey, the proportion of Ugandans using “formal” financial services (excluding mobile money) was essentially unchanged from 2009 when the previous FinScope survey was conducted, despite growth in the number of commercial banks and branches. Use of formal banking also remained skewed towards wealthier and more urban residents, implying that access to and use of potentially useful savings and credit instruments is not yet widespread…Read More

FII Uganda Documents
FII Uganda Documents
FII Uganda Year One Survey - QuestionnaireDownload
FII Uganda Year One Survey - QuickSights ReportDownload
FII Uganda Year One - Agent Experience QuickSights ReportDownload
FII Uganda Year One - Consumer Voices QuickSights ReportDownload
FII Uganda Year One - Digital Pathways to Financial Inclusion Wave ReportDownload
FII Uganda Year Two Wave ReportDownload

Key Metrics

Source: FII Survey of Uganda, conducted September-December 2013; sample size=[3,000]

Mobile Phone
Mobile PhoneTotalMaleFemaleUrbanRural
Own Mobile Phone62%73%52%83%58%
Own or Can Borrow Mobile Phone87%90%85%97%85%
Own Sim Card64%75%54%83%60%
Own or Can Borrow Sim Card87%90%85%96%85%
Bank Accounts
Bank AccountsTotalMaleFemaleUrbanRural
Own Bank Account12%18%6.8%24%9.9%
Own or Have Access to Bank Account14%20%8.4%26%12%
Active Bank Account User (Past 90 Days)9.9%15%5.1%20%8.0%
Mobile Money Use
Mobile Money UseTotalMaleFemaleUrbanRural
Have Ever Used MM43%49%38%70%38%
Active MM User (past 90 days)37%42%32%63%32%
Registered MM User29%34%25%54%25%
Registered Active MM User26%30%22%50%22%
Mobile Money - Specific Uses
Mobile Money - Specific UsesTotalMaleFemaleUrbanRural
Send Money to Others20%25%15%34%17%
Receive Money From Others25%28%23%39%23%
Buy Airtime Top-Ups13%17%9.7%28%10%
Pay School Fee2.4%3.3%1.6%3.1%2.3%
Pay Medical Bill0.7%0.7%0.6%1.6%0.5%
Pay Utility Bill1.5%1.6%1.5%3.5%1.2%
Pay Government Bill (Tax, Fine, or Fee)0.4%0.5%0.4%0.8%0.4%