Diaspora-backed micro-lending
Uhuru turns Zimbabwe's diaspora remittances into productive micro-loans of USD 50–500 for the informal sector — no collateral, no bank account, no paperwork queues. Everything happens on WhatsApp.
Two ways in
The same remittance flow works for both the family receiving it at home and the relative sending it from abroad.
Receive regular remittances? You may already qualify for a USD 50–500 loan — scored on your inflow history, not collateral. Apply on WhatsApp.
The money you already send builds your family's credit. Optionally guarantee a loan from abroad — one tap — for a lower fee and a higher limit.
How it works
Say hello to the Uhuru number and register in minutes — just your phone and national ID.
Send your last 6 months of receipts (Mukuru, WorldRemit, Western Union and others). They're used only to understand your inflow.
We score how regularly money arrives — not payslips. You see exactly how much you qualify for and the flat fee upfront.
Approved loans disburse straight to your wallet — spend via EcoCash, bank transfer or merchant payments.
Repayments sync to the dates money usually arrives, and every on-time payment builds your formal credit history.
Expected impact
Year 1 target — informal MSMEs, vendors, smallholder farmers and households.
Stable diaspora-backed capital deployed into the productive sector.
Serving a population currently excluded from formal financial services.
Financial inclusion, MSME support, FX retention and economic resilience.
Regulation & trust
Lending launches under our Credit-Only MFI licence. Be first in line — whether you borrow at home or send from abroad.
