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Digital Finance for Energy Access in Uganda
DIGITAL FINANCE FOR ENERGY ACCESS IN UGANDA: PUTTING MOBILE MONEY BIG DATA ANALYTICS TO WORK Mayank Jain, Robin Gravesteijn, Arne Jacobson, Emily Gamble, Nicola Scarrone ABSTRACT Access to clean energy is a basic need that directly supports people’s livelihood, yet more than 30 million Ugandans live without electricity. Pay-as-you-go (PayGo) is a promising and innovative financing solution that can make clean energy affordable for low-income people. However, there remains significant knowledge gaps regarding the digital energy finance market’s size, outreach, growth and impact. This study leverages anonymized mobile money data of PayGo solar energy users in Uganda to gain insight on digital energy financing in Uganda. It also draws from a customer phone survey that assesses solar product adoption and quality of life improvements. We find that the Uganda solar market is growing rapidly and currently has around one million active customers. Around 12 percent of the Ugandan households own a solar home system and there is opportunity for further market expansion, especially in areas with high levels of mobile money penetration. The clean energy market is becoming more inter-connected with the digital finance market. In fact, digital energy financing through PayGo has promoted wider financial inclusion around 110,000 new mobile money customers. Likewise, when Uganda’s implemented a temporary mobile money tax it caused an immediate slow-down in PayGo uptake and new mobile money activations indicating it negatively impacted the country’s access to clean energy and formal finance. The customer survey result indicates that poorer customers seem equally able to purchase larger solar systems as compared to richer customers because of mobile money financing. -
Former DFCU Bank Bosses Charged Over Global Fund Scam
4 NEW VISION, Thursday, April 3, 2014 NATIONAL NEWS Former DFCU Bank bosses charged over Global Fund scam By Edward Anyoli Lule, while employed by Lule through manipulation of 300 sub-recipients and DFCU – a company in which Former Global Global Fund foreign exchange, individuals be audited further Two former managers of DFCU the Government had shares – falsely claiming that it was and that former health minister, Bank have been charged with directed the bank to convert Fund boss Dr. commission fees for soliciting Maj. Gen. Jim Muhwezi and abuse of office, costing the $2m Global Fund money into Global Fund business. his deputies; Mike Mukula Government sh479m. the local currency at an inflated Muhebwa was last Kantuntu, Lule and Kituuma and Alex Kamugisha, be Robert Katuntu, the former foreign exchange rate of Magala (a city lawyer, who is prosecuted. managing director of DFCU sh1,839 per dollar, which was week charged with summoned to appear in court This resulted into the and Godffrey Lule, the bank’s higher than the rate of sh1,815, on April 11) are jointly facing establishment of the anti- former head of treasury, were raising a difference of sh48m. causing financial the charges with Dr. Tiberius corruption division of the yesterday charged before the On another charge, Lule Muhebwa, the former Global High Court in December Anti-Corruption Court chief is accused of fraudulently loss of sh108m Fund project co-ordinator. 2008, which has convicted magistrate. They denied the directing the bank staff to Muhebwa has been charged two suspects; Teddy Cheeye charges and were granted cash convert $1m Global Fund with causing financial loss of the presidential adviser on bail of sh3m each. -
Public Notice
PUBLIC NOTICE PROVISIONAL LIST OF TAXPAYERS EXEMPTED FROM 6% WITHHOLDING TAX FOR JANUARY – JUNE 2016 Section 119 (5) (f) (ii) of the Income Tax Act, Cap. 340 Uganda Revenue Authority hereby notifies the public that the list of taxpayers below, having satisfactorily fulfilled the requirements for this facility; will be exempted from 6% withholding tax for the period 1st January 2016 to 30th June 2016 PROVISIONAL WITHHOLDING TAX LIST FOR THE PERIOD JANUARY - JUNE 2016 SN TIN TAXPAYER NAME 1 1000380928 3R AGRO INDUSTRIES LIMITED 2 1000049868 3-Z FOUNDATION (U) LTD 3 1000024265 ABC CAPITAL BANK LIMITED 4 1000033223 AFRICA POLYSACK INDUSTRIES LIMITED 5 1000482081 AFRICAN FIELD EPIDEMIOLOGY NETWORK LTD 6 1000134272 AFRICAN FINE COFFEES ASSOCIATION 7 1000034607 AFRICAN QUEEN LIMITED 8 1000025846 APPLIANCE WORLD LIMITED 9 1000317043 BALYA STINT HARDWARE LIMITED 10 1000025663 BANK OF AFRICA - UGANDA LTD 11 1000025701 BANK OF BARODA (U) LIMITED 12 1000028435 BANK OF UGANDA 13 1000027755 BARCLAYS BANK (U) LTD. BAYLOR COLLEGE OF MEDICINE CHILDRENS FOUNDATION 14 1000098610 UGANDA 15 1000026105 BIDCO UGANDA LIMITED 16 1000026050 BOLLORE AFRICA LOGISTICS UGANDA LIMITED 17 1000038228 BRITISH AIRWAYS 18 1000124037 BYANSI FISHERIES LTD 19 1000024548 CENTENARY RURAL DEVELOPMENT BANK LIMITED 20 1000024303 CENTURY BOTTLING CO. LTD. 21 1001017514 CHILDREN AT RISK ACTION NETWORK 22 1000691587 CHIMPANZEE SANCTUARY & WILDLIFE 23 1000028566 CITIBANK UGANDA LIMITED 24 1000026312 CITY OIL (U) LIMITED 25 1000024410 CIVICON LIMITED 26 1000023516 CIVIL AVIATION AUTHORITY -
4.9 Uganda Additional Service Provision Contact List Uganda Additional Service Provision Contact List
4.9 Uganda Additional Service Provision Contact List Uganda Additional Service Provision Contact List Type of Service Company Location(s) Physical Address Email & Website Phone Number (office) Description of Services Provided Supplier of Sunrise Commodities Kampala Plot 163/165, Monteirovincent711@y Mob: +256 712 624 624 Suppliers and millers maize, beans, ahoo.com & Millers Bombo Road, maize flour and Kawempe CSB Supplier Aponye (U) Ltd Kampala Nalukolongo aponyeonline@gmail. +256 414 270 526 Supply and com Mob: +256 772 603 transportation of grains 909 Supplier Premier Commodities Kampala Nalukolongo info@premiercommodit n/a Ltd ies.com Supplier Export Trading Group Kampala Industrial Area info.uganda@etgworld. n/a Supply of grains and oils Namanve com http://www.etgworld. com Supplier Byinzika Enterprises Kampala Plot 3, Johnston [email protected] +256 414 259 519/312 n/a Ltd Street, 277 221 http://www.biyinzika.co. ug/ Fax: +256 414 343 268 Supplier Tiny Mirrors Kampala Plot 17 Old n/a Mob: n/a Masaka Road, +256-712-666453 Nalukolongo industrial area, Fax: +256-414-274777 Kampala Supplier SRS (U) Ltd Kampala n/a n/a +256 41 285 282 +256 n/a 41 505 723 Supplier Diary Kampala n/a n/a n/a n/a Corporation Ltd Supplier MTN Uganda Plot 22 Hanninton Kampala customerservice@mt +256 31 221 2333 Supplier Road n.co.ug Ltd - VSAT Fax: +256 31 221 2233 http://mtn.co.ug/ Supplier Agro ways (U) Ltd Plot 34-60 Jinja http://www.agroways. +256 454 479 381 Supplies/warehousing ug/ Kyabazinga Mob: +256 712 Way, Jinja 404245, +256 782 391354 Supplier Capital Reef- n/a Kampala HK@CAPITALREEF. -
Privacy in Uganda
0 0 0 1 1 0 1 1 0 1 0 0 0 0 0 0 1 0 1 1 0 0 1 1 1 1 0 0 0 1 0 1 0 0 1 1 1 1 1 1 1 0 1 0 0 1 0 1 0 0 0 0 0 1 0 1 1 0 1 0 1 0 0 1 1 0 1 1 1 0 1 1 1 0 1 1 0 0 0 1 0 0 0 0 1 0 1 1 1 0 1 0 0 1 0 1 0 1 0 1 1 1 0 0 0 0 0 0 0 0 0 1 0 ! 0 0 1 1 0 1 1 0 0 0 1 0 1 1 0 ! 0 0 0 0 1 0 1 1 0 1 0 0 0 0 1 1 0 0 1 1 0 0 0 0 0 1 1 1 0 0 0 0 1 1 1 0 0 0 0 1 0 Privacy in Uganda 0 1 1 10 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 An Overview of0 How0 ICT Policies Infringe0 on Online Privacy 0 0 0 0 and Data Protection 0 0 0 0 0 0 0 0 0 @ CIPESA ICT Policy Briefing Series No. 06/15 December 2015 0 100110010010 1010110100 100010 010100 110101 001010 01001 001010 00 110101 00101001 001 01010 0010001 000100010100100 1000010 1010010 110101 00101001 001 010 0 110101 00101001 001 01010 0010001 000100010100100 1000010 101001010 010100 110101 00101001 001 0 1101 001001 001010 100110 010010 1010 110100 10010 0101 1101 001001 001010 100110 010010 1010 110100 10010 01010100 001010 10010 11101 001001 001010 100110 010010 1010 110100 10010 01010100 00 110101 00101001 001 01010 0010001 000100010100100 1000010 1010010 110101 001001 001010 110101 00101001 001 01010 0010001 0001000101 Introduction 00 110101 00101001 001 01010 0010001 000100010100100 1000010 101001010100 001001 100010 001010 11010 00 110101 00101001 001 01010 0010001 000100010100100 1000010 1010010 001001 00101001 001 0 001010 10010 11101 001001 001010 100110 010010 1010 110100 10010 0101010010 0010 00 110101 00101001 001 01010 0010001 000100010100100 1000010 1010 10100 1001 100010 0 00 110101 00101001 001 01010 0010001 000100010100100 1000010 1010010 As of June 2015, Uganda had an internet penetration rate of 37% and there were 64 telephone connections per 100 inhabitants.1 This was made possible by increasing investments in the Information Communication Technologies (ICT) sector by the private sector and – to a lesser extent - the government, proliferation of affordable smart phones and a steady decrease in internet costs enabled by a liberal competitive telecommunication sector. -
Uganda at 50: the Past, the Present and the Future
UGANDA AT 50: THE PAST, THE PRESENT AND THE FUTURE A Synthesis Report of the Proceedings of the “Uganda @ 50 in Four Hours” Dialogue Organised by ACODE, 93.3 Kfm and NTV Uganda at the Sheraton Hotel - Kampala – October 3, 2012 Naomi Kabarungi-Wabyona ACODE Policy Dialogue Report Series, No. 17, 2013 UGANDA AT 50: THE PAST, THE PRESENT AND THE FUTURE A Synthesis Report of the Proceedings of the “Uganda @ 50 in Four Hours” Dialogue Organised by ACODE, 93.3 Kfm and NTV Uganda at the Sheraton Hotel - Kampala – October 3, 2012 Naomi Kabarungi-Wabyona ACODE Policy Dialogue Report Series, No. 17, 2013 ii A Synthesis Report of the Proceedings of the “Uganda @ 50 in Four Hours” Dialogue 2012 Published by ACODE P.O. Box 29836, Kampala - UGANDA Email: [email protected], [email protected] Website: http://www.acode-u.org Citation: Kabarungi, N. (2013). Uganda at 50: The Past, the Present and the Future. A Synthesis Report of the Proceedings of the “Uganda @ 50 in Four Hours” Dialogue. ACODE Policy Dialogue Report Series, No.17, 2013. Kampala. © ACODE 2013 All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means – electronic, mechanical, photocopying, recording or otherwise without prior permission of the publisher. ACODE policy work is supported by generous donations from bilateral donors and charitable foundations. The reproduction or use of this publication for academic or charitable purpose or for purposes of informing public policy is exempted from this restriction. ISBN 978 9970 34 009 5 Cover Photo: A Cross section of participants attending the Uganda @50 in 4 Hours Dialogue held on October 3, 2012 at Sheraton Hotel in Kampala. -
Mobile Money Use in Uganda: a Preliminary Study
Mobile Money Use in Uganda: A Preliminary Study Ali NDIWALANA1/3, Olga MORAWCZYNSKI2, Oliver POPOV1/4 1Mid Sweden University, Sundsvall, Sweden 2Applab, Grameen Foundation, Kampala, Uganda 3Makerere University, Kampala, Uganda 4Stockholm University, Stockholm, Sweden Abstract: As mobile phones proliferate in the developing world and Mobile Network Operators (MNOs) look for ways to diversify from voice and SMS, mobile money has emerged as an opportunity. While currently used mainly for money transfers, mobile money advocates are enthusiastic about its capability to transform the financial fabric of society, particularly for the poor. We report on a study of mobile money users in Uganda across 3 MNOs. Besides understanding current usage of mobile money, we explore different daily financial transactions of respondents. We investigate the relative importance of these transactions, their frequency, and methods of payment used. Satisfaction with current payment methods and strength of intention to use mobile money if offered for these transactions are captured. The goal is to identify potential new ways to use mobile money in Uganda. 1. Introduction As mobile phones proliferate around the developing world, new services are emerging as mobile network operators (MNOs) diversify services to compliment voice and SMS in a progressively competitive environment where the goal is improving customer retention and reducing churn (Mendes, Alampay et al. 2007). A prominent emerging service is mobile money—a term used to loosely refer to money stored using the SIM (subscriber identity module) as an identifier as opposed to an account number in the conventional banking sense. A notational equivalent in value is then kept on the SIM within the mobile phone, which is also used to transmit payment instructions. -
Resume: PRICILLA CHESAMIY
Resume: PRICILLA CHESAMIY Personal Information Application Title APPLICATION FOR A BANKING ASSISTANT IN DIAMOND TRUST BANK First Name PRICILLA Middle Name N/A Last Name CHESAMIY Email Address [email protected] Cell Nationality Uganda Gender Female Category Banking/ Finance Sub Category Private Banking Job Type Full-Time Highest Education University Total Experience 3 Year Date of Birth 01-01-1970 Work Phone 0787662387 Home Phone 0701282573 Date you can start 01-01-1970 Driving License No License No. Searchable Yes I am Available Yes Address Address Address Kapchorwa, uganda City Kampala State N/A Country Uganda Address Address Naguru City Kampala State N/A Country Uganda Institutes Institute Kampala International University City Kampala State N/A Country Uganda Address Kansanga Gabaroad Certificate Name Bachelors in Business Administration Study Area Accounting and Finance Option Employers Employer Employer Crane Bank/DFCU Bank Position Banking Assistant Responsibilities Clearing Cheques and issuing of Bankers Cheques. Issuing Account balance and statements to customers. Handling ATM Card renewal and replacement. Receiving RTGS, TTS, EFTS and Salary transfers. Issuing payment reference to students of Kyambogo Univers Pay Upon Leaving N/A Supervisor N/A From Date 19-02-2021 To Date 19-02-2021 Leave Reason N/A City N/A State N/A Country N/A Phone N/A Address N/A Skills Skills EFTS, RTGS, TTS and Salary Transfers. Accounts/Cheque receivables. Customer care with high intergrity. Flexibility. Leadership, Teamwork and Good Communication -
Mapping Uganda's Social Impact Investment Landscape
MAPPING UGANDA’S SOCIAL IMPACT INVESTMENT LANDSCAPE Joseph Kibombo Balikuddembe | Josephine Kaleebi This research is produced as part of the Platform for Uganda Green Growth (PLUG) research series KONRAD ADENAUER STIFTUNG UGANDA ACTADE Plot. 51A Prince Charles Drive, Kololo Plot 2, Agape Close | Ntinda, P.O. Box 647, Kampala/Uganda Kigoowa on Kiwatule Road T: +256-393-262011/2 P.O.BOX, 16452, Kampala Uganda www.kas.de/Uganda T: +256 414 664 616 www. actade.org Mapping SII in Uganda – Study Report November 2019 i DISCLAIMER Copyright ©KAS2020. Process maps, project plans, investigation results, opinions and supporting documentation to this document contain proprietary confidential information some or all of which may be legally privileged and/or subject to the provisions of privacy legislation. It is intended solely for the addressee. If you are not the intended recipient, you must not read, use, disclose, copy, print or disseminate the information contained within this document. Any views expressed are those of the authors. The electronic version of this document has been scanned for viruses and all reasonable precautions have been taken to ensure that no viruses are present. The authors do not accept responsibility for any loss or damage arising from the use of this document. Please notify the authors immediately by email if this document has been wrongly addressed or delivered. In giving these opinions, the authors do not accept or assume responsibility for any other purpose or to any other person to whom this report is shown or into whose hands it may come save where expressly agreed by the prior written consent of the author This document has been prepared solely for the KAS and ACTADE. -
Gender and Innovation for Climate-Smart Agriculture
EXGeAMINnderING aWOMnd iEnN’Snovatio ACCESSn TfOor climDIGITAate-sLm PLartAT agricFORMSu lture Assessment of gender-responsiveness of RAN’s agricultural-focused Innovations Working Paper No. 260 CGIAR Research Program on Climate Change, Agriculture and Food Security (CCAFS) 2019 A case of Mobile Broadband in Uganda A Report Compiled and Prepared by Peace Oliver Amuge, Ednah Karamagi & Moses Owiny for and on behalf of The collaboration betweenRESEARCH PROGRAM and ON Climate Change, Agriculture and Food Security CCAFS List of Acronyms APC : Association for Progressive Communications FGD : Focus Group Discussion ICT : Information Communication Technology KBPS : KiloBytes Per Second KII : Key Informant Interview MoICT : Ministry of Information Communication and Technology MTN : Mobile Telephone Network NIITA-U : The National Information Technology Authority Uganda RCDF : Rural Communications Development Fund WOUGNET : Women of Uganda Network Source of Picture: Girls head: https://www.kissclipart.com/african-girl-icon-png-clipart-computer-icons-clip-kqvozw/download- clipart.html Digital Platform: http://files.websitebuilder.prositehosting.co.uk/fasthosts487/image/digitalplatforms2.png Page | i A collaboration between and Definition of Key Words Digital Platform : Refers to the software or hardware of a website allowing for the interaction of its usersi. For example, in Uganda commonly used ones are: Twitter, Wikipedia, Facebook, Instagram, Amazon, Kikuu, Jumia and OLX. Such platforms bring together different groups of users; with a common meeting point being the internet. More, they facilitate exchange between multiple groups - for example end users and producers - who don’t necessarily know each other. They are often key sources of networking. A Digital Platform is worth nothing without its community. Mobile Broadband: This is a form of mobile internet that supports speeds of more than 256 kbps Mobile Internet : Mobile Internet is a way of getting online when you are on the move via portable devices such as mobile phones, tablets and personal computers. -
MTN Launches Internet Solutions for Small & Growing
For Immediate Release: MTN launches Internet Solutions for Small & Growing Businesses Customized solutions address every business type The internet solutions address the needs of the market MTN Uganda guarantees 24/7 reliability and service support Kampala, Uganda – Monday, 11th March 2019: Time is money, especially in the business world where any minute lost can cause massive losses to the bottom-line. Think of a missed deadline, a delayed email or a file that just cannot upload. With more and more enterprises searching for internet speed and ‘always-on’ connectivity, MTN Uganda has launched a new reliable and affordable internet solution for start-up and growing businesses such as pharmacies, schools, restaurants, supermarkets, salons, videography or home offices. According to Sophia Mukasa, MTN Uganda Senior Manager Enterprise Products and Marketing, there is growing need for custom-made Internet solutions that respond to different needs, “Through continuous customer engagement, we have come up with services aimed at SMEs seeking reliable but affordable internet connectivity to their customers, suppliers, staff and systems.” The MTN SME internet solution offers small businesses unlimited access to the Internet with 24/7 service support and no need for data bundle top ups. It is available in the urban and out of town areas within the MTN Fiber and LTE coverage footprint across the country. In 2015, Uganda was ranked as the most entrepreneurial country with an entrepreneurship rate of 28% of its population involved in a business venture. Some of these businesses have grown and so have their internet needs: “The economy has been growing steadily and so have Ugandan businesses. -
Increasing Access to Finance in Uganda Intro
DEVELOPMENT IMPACT CASE STUDY DFCU BANK INCREASING ACCESS TO FINANCE IN UGANDA INTRO ABOUT NORFUND Norfund is Norway’s Development Finance Institution and our mandate is to support the building of sustainable businesses in poor countries, thereby contributing to economic growth and poverty reduction. Norfund’s strategy is to invest in the sectors and countries in which we can have the greatest impact; where the private sector is weak and access to capital is scarce. We concentrate our investments in sectors that are important drivers of development: Clean Energy, Financial Institutions, and Food and Agribusiness. FINANCIAL INSTITUTIONS Financial institutions contribute to economic growth by promoting access to finance, encouraging enterprise growth and innovation. Access to finance tends to lead to higher employment growth, especially among micro, small, and medium enterprises, and also helps to reduce poverty.1 DEVELOPMENT RATIONALE Financial institutions need access to debt and equity for extending loans to clients. Capital helps finance business development, enables banks to develop products and increase their market reach. One of the targets of the Sustain- able Development Goals set by the United Nations is to “strengthen the capacity of domestic financial institutions to encourage and expand access INVESTMENT for all to banking, insurance and financial services”. Access to finance is often NEED more of a constraint for small companies than for large companies. According to the IFC, more than 200 million micro- to medium-sized enterprises in developing economies lack access to affordable financial services and credit. 2 Norfund invests in banks, micro finance providers, and other financial institutions that target SMEs, the retail market and clients that have not previously had access to financial services.