• INR
  • GBP
  • CAD
  • USD
  • AUD
  • EUR
  • JPY


Philo’s core mission is to empower customers in their everyday, while supporting female entrepreneurship. A portion of proceeds goes toward providing business loans to intrepid women who wouldn’t otherwise have access to funds. Upon repayment, each loan gets reinvested into another proactive recipient, creating a cycle of giving and growing.

A B O U T   M I C R O B A N K E R

Microbanker is a non-profit organization that provides business loans to women entrepreneurs in Uganda. The loans are made available to women who would not otherwise have access to credit through traditional banking institutions due to their remote location, or other restrictions. 

Microbanker believes that providing access to microfinance services could improve the economic resilience, independence and freedom of Ugandan women and their households. In addition to providing financial loans, Microbanker also provides training in basic financial literacy, ensuring that every applicant is poised for success.  

A B O U T   M I C R O F I N A N C I N G

Microfinance is about providing financial services to low-income or disenfranchised households. It is an approach to poverty alleviation that aims to empower individuals by providing the necessary resources to finance income-producing activities, build assets, stabilize consumption, and insulate against risk.

Unlike in traditional banking, Microfinance institutions tailor their services to meet the diverse financial needs of low-income families. Furthermore, they do not operate like traditional banks, using methodologies such as group lending, and pre-loan savings requirements to evaluate a client’s credit worthiness. As a result, Microfinance can provide business capital to individuals who may not otherwise qualify for traditional lending, granting them the opportunity to break the cycle of poverty.

S O M E   O F   O U R   L O A N   R E C I P I E N T S

Get to know some of the women who have benefited from our giveback program, and how microfinancing has impacted their livelihoods.

R O B I N A   N A M B I 

Robina is 67 years old, and works to help support her 7 children and 6 grandchildren.  She has used her loan to hire two people who assist her in tending to her sizable garden, where she grows maize, beans and matooke. She also allocated some of her loan toward purchasing supplies such as soap, cooking oil, and sugar, which she sells at her small retail store. ​ 

Robina is proud to have never missed a repayment on her loan. According to her, the funds have enabled her to make a living; allowing her to scale her business, and improve its robustness.

R O S E M A R Y   K I V I I R I 

Rosemary is a 40 year old mother of 4. Her husband works as a fisherman, and Rosemary works part-time as a school teacher. 

Rosemary has used her loan to help supplement her household income. In addition to teaching, her loan has allowed her to raise pigs, operate a hair salon, and tend a garden - all of which provide additional income.

Rosemary explains that she is grateful for her loan, because the interest rate is much more favorable than that of a bank loan. As a result, she is able to retain more of her earnings.

S A R A H   N A S S U N A​

Sarah is 34 years old, and is a single mother to 3 children.

Sarah has used her loan to support her fish selling business. She owns a wooden boat and nets that are used for catching Nile Perch in Lake Victoria. Sarah also runs a hair salon, and generates additional income by selling soft drinks.

As a result of her profitable businesses, Sarah is able to send all three of her children to school, and provide security for their future. She says she has no problem making her loan payments, adding that she does not have to take a lot of money out of her business to do so.

# D E S I G N E D F O R C H A N G E