Unlocking sustainable access to capital for women entrepreneurs
Pamoja builds structured pathways from assets to income to creditworthiness, transforming informal businesses into investable enterprises across Uganda.
Women entrepreneurs are excluded from capital
Women entrepreneurs do not lack ambition. They lack structured pathways to capital. Traditional finance asks for proof before lending—collateral, credit history, formal operations. Most women entrepreneurs cannot provide that proof.
The financing gap is not a demand problem. It is a systems design problem. Pamoja builds the ecosystem that turns informal businesses into investable enterprises through our pathway: Assets → Income → Data → Creditworthiness → Capital.
Our Three Strategic Pillars
Structured, scalable pathways to finance
Two flagship multi-year programs reduce perceived lending risk by creating verifiable data and organized portfolios.
Women Financial Inclusion & Productive Assets Initiative
We finance productivity first. Providing solar/hybrid energy systems, sector equipment, and digital tracking to create verifiable financial footprints.
Key Activities
Investor Matchmaking & Capital Brokerage Platform
We aggregate and structure women-led SMEs into investable portfolios, connecting them with impact investors and blended finance opportunities.
Key Activities
Business Support & Market Linkages
Access to capital without support leads to failure. We provide formalization support, financial literacy, and market access to strengthen capital absorption.
Key Activities
Building scalable infrastructure for women's capital access
Our multi-year programs create sustainable pathways that reduce perceived lending risk and increase capital deployment to women-led enterprises.
Women entrepreneurs structured into networks and investment-ready clusters
Businesses provided with productive assets and digital financial infrastructure
Digitally verifiable credit profiles created for capital access
Sustainable women capital access infrastructure established nationwide
Target Beneficiaries
Partner with us to shift capital closer to women entrepreneurs
Co-finance asset pools, support digital infrastructure, fund investment-readiness programs, or provide catalytic risk-sharing capital.
Let's shift capital closer to women entrepreneurs
We invite donors, investors, and corporate partners to join us in building structured pathways to capital for women entrepreneurs in Uganda. Together, we create sustainable impact.
Partnership Opportunities
Choose how you'd like to collaborate with Pamoja to unlock sustainable access to capital.
Co-Finance Asset Pools
Fund solar systems, equipment, and productive assets for 5,000+ women entrepreneurs
Digital Infrastructure
Support credit scoring platforms and digital financial tracking systems
Investment Readiness
Enable business formalization, governance support, and market linkages
Risk-Sharing Capital
Provide catalytic capital to reduce perceived lending risk and unlock blended finance
Together, we can shift capital closer to women entrepreneurs. — Pamoja Strategic Framework 2025–2027
Women to be organized into structured networks
Enterprises to be equipped with productive assets
Capital to be mobilized over 5 years