Built for Uganda.
Built to Last.

Kray MicroFinance is a tier 4 Micro finance that is UMRA -regulated institution dedicated to delivering accessible, affordable financial services to individuals, traders, and small businesses across Uganda.

Our Short story

Kray Microfinance was established in 2012 as a micro-lending institution dedicated to providing accessible financial solutions to underserved micro, small, and medium enterprises (MSMEs) across Uganda. Built on a strong foundation of cashflow-based lending, the institution has consistently empowered small traders, informal businesses, and emerging entrepreneurs with the financial support needed to grow and succeed. Over the years, Kray has evolved into a structured Tier 4 microfinance institution with a diversified portfolio of loan and micro-investment products, serving customers through its branches across the Greater Kampala Metropolitan Area, including City Centre, Kawempe, Nansana, Nateete, and Kyaliwajjala.

A significant milestone in Kray Microfinance's journey came in 2018 when the institution embraced digital transformation and transitioned into a fully digital operating model. This strategic investment in technology enhanced operational efficiency, improved customer experience, and enabled the institution to scale its service delivery through innovative digital channels. Continuing its commitment to innovation, Kray became one of the pioneering Tier 4 microfinance institutions in Uganda to introduce ATM card services and integrate into the national ATM network. Today, Kray cards are accessible through more than 22 commercial bank ATM networks nationwide, providing customers with greater convenience and financial accessibility.

As part of its long-term growth strategy, Kray Microfinance continues to invest in expanding its digital infrastructure and customer access channels, including the deployment of its own ATM machines. With a customer base exceeding 41,000 clients, the institution remains focused on advancing financial inclusion, supporting SME development, and delivering reliable, technology-driven financial services. Guided by innovation, accessibility, and customer-centric values, Kray Microfinance is committed to shaping the future of inclusive finance in Uganda.

Our Mission
To provide preeminent and quality financial services through creating lasting customer relationships serving with character and purpose that brings honor to God.
Our Vision
To become the most reliable, efficient and trusted financial Partner of choice.
Our Promise
Fast, fair, and transparent financial services — with real people, real support, and real results.
41K+
Active Customers
15+
Financial Products
24%
Max Interest p.a.
22+
ATM Networks

Our core values

01

Professionalism

We uphold the highest standards of competence, accountability, and service excellence in every interaction with our customers and stakeholders.

02

Integrity

We conduct our business with honesty, transparency, and fairness, building lasting relationships founded on trust and ethical practices.

03

Innovation

We embrace technology and creative solutions to deliver convenient, efficient, and customer-focused financial services.

04

Teamwork

We believe in collaboration, mutual respect, and shared responsibility, recognizing that collective effort drives sustainable success.

05

Excellence

We are committed to continuous improvement and delivering exceptional value through quality service, operational efficiency, and customer satisfaction.

Leadership

Mr. Raymond Peter Kiwanuka
Mr. Raymond Peter Kiwanuka
Founder & Managing Director
Visionary entrepreneur and financial services leader responsible for the strategic direction, growth, and innovation of Kray Microfinance since its establishment in 2012.
Ms. Ninshaba Eseza
Ms. Ninshaba Eseza
Risk, Legal & Compliance Officer
Oversees risk management, regulatory compliance, and legal affairs, ensuring the institution operates within established governance and regulatory frameworks.
Ms. Ajuna Lillian
Ms. Ajuna Lillian
Human Resource Manager
Leads talent development, employee engagement, and organizational culture initiatives to support a high-performing and customer-focused workforce.
Kabugo Deborah
Reconciliation Officer
Responsible for the accuracy and integrity of financial records, ensuring all transactions are reconciled across branches, accounts, and digital channels in line with internal controls and regulatory requirements.
Miss Peninah Nanfuka
Finance Assistant
Oversees financial planning, reporting, and treasury management, ensuring the institution maintains sound fiscal discipline, liquidity, and compliance with UMRA financial reporting standards.
Miss Namaganda Berna
Operations & Business Performance Manager
Drives operational efficiency and business performance across all branches, overseeing process quality, portfolio health, staff productivity, and the execution of the institution's growth strategy.
Mr. Nimwesiga Derrick
Mr. Nimwesiga Derrick
Product Lead – Business & Personal Loans
Spearheads the design, development, and performance of Kray's business and personal loan portfolio, identifying market opportunities, refining product terms, and ensuring loan products remain competitive, accessible, and aligned to the financial needs of Uganda's traders and employed professionals.
Mr. Drali George
Mr. Drali George
Marketing & Branding Officer
Responsible for brand development, market positioning, customer engagement, and communication strategies that strengthen the institution's visibility and reputation.
Mr. Akugizibwe Christopher
Mr. Akugizibwe Christopher
Product Lead – Asset Financing
Leads the development and management of asset financing products, creating innovative financing solutions that support business growth and asset acquisition.

Want to work with us?

Check our open positions or get in touch with the Kray team.

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