Ensibuuko
Founded
2014 in Kampala, Uganda — Ensibuuko was created to bridge the gap in rural and community financial inclusion by digitizing savings and credit cooperatives, village savings groups, and microfinance institutions across Africa.
Founders & Leadership
Gerald Otim — Founder & CEO
Location
Kampala, Uganda — with platforms and partnerships active across multiple African countries including Malawi, Zambia, Tanzania, Nigeria, Ghana, and Côte d’Ivoire.
Industry
FinTech / Digital Financial Inclusion / Community Finance — offering SaaS and mobile‑enabled digital banking tools for SACCOs, savings groups (VSLAs), microfinance institutions, and community lenders.
Overview
Ensibuuko is a fintech technology company focused on empowering underserved and unbanked populations by providing digital financial infrastructure to grassroots savings and lending organizations. Its core offering—MOBIS, a cloud‑native microfinance platform—helps Savings and Credit Cooperative Societies (SACCOs), Village Savings and Loan Associations (VSLAs), and microfinance lenders automate data, processes, accounting, mobile money integration, and financial services that were historically run on paper. Ensibuuko also partners with mobile network operators and banks (e.g., MTN and Airtel) to enable mobile‑money transactions and has expanded into digital lending, insurance, and financial education services for rural customers.
Core Features & Capabilities
MOBIS Digital Banking Platform: Cloud‑based core banking software for SACCOs, credit unions, and microfinance institutions with savings and loans management, reporting, and member services.
Savings Group Digitization: VSLA & investment clubs can manage savings, loans, and financial records digitally instead of paper‑based systems.
Mobile Money Integration: Seamless integration with MTN Mobile Money and Airtel Money to enable deposits, withdrawals, loan disbursement, and repayments directly via mobile wallets.
Agent & Field Network: A network of Digital Community Entrepreneurs (DCEs) supports uptake, onboarding, training, and financial literacy in rural communities.
Credit Scoring & Digital Loans: Tools and partnerships that support digital loan products and predictive credit assessment for community members.
Partnership Platforms: Works with NGOs (e.g., CARE), banks, telecoms, and development funds to scale rural banking and financial inclusion efforts.
Target Market
Savings & Credit Cooperative Societies (SACCOs) in rural and peri‑urban Africa seeking digital transformation.
Village Savings & Loan Associations (VSLAs) that require digital record‑keeping, transparency, and mobile access.
Underserved Individuals & Rural Communities who lack access to formal banking but participate in community financial groups.
Financial Service Providers & Partners (mobile networks, banks, NGOs) aiming to extend products to last‑mile customers.
Value Proposition
Ensibuuko’s mission is to bank the last mile by transforming traditional, paper‑based community financial systems into efficient, digital platforms that connect rural users to formal financial services. By integrating mobile money, analytics, cloud‑based banking tools, and a field agent network, Ensibuuko enables SACCOs and savings groups to digitally manage savings, provide lending services, improve transparency, reduce costs, and expand access to credit, payments, and insurance. Its focus on local partnerships and community‑centric deployment increases financial inclusion, particularly for women, farmers, and underserved groups — turning informal community finance into scalable, sustainable digital ecosystems across Africa.