Tugende is a financial services company that addresses the credit gap faced by micro, small, and medium enterprises (MSMEs) in Africa. Operating primarily in Uganda, Tugende provides asset financing to informal sector entrepreneurs, allowing them to own essential productive assets such as motorcycles, which are commonly used as taxis. The company serves clients who typically lack access to traditional banking services, offering them a pathway to asset ownership within 24 months. Tugende's business model includes not only financing but also value-added services such as training, life and medical insurance, and high-quality safety gear. This comprehensive support helps clients increase their economic stability and growth. The company generates revenue through interest and fees associated with its financing products. With over 30,000 clients and a growing presence in new sectors, Tugende is building a long-term ecosystem for MSMEs to thrive.

Keywords: asset financing, MSMEs, Uganda, motorcycle taxis, informal sector, economic growth, training, insurance, safety gear, financial services.