About Us

Executive Summary

Who we are?

In May 2016, the Tier IV Microfinance Institutions and Money lenders Act was passed by the Parliament to effectively govern the spectrum of Tier IV financial institutions and Money Lenders with the objective of protecting the savings the depositors, limiting predatory lending and unethical practices, and building confidence in the system to promote financial inclusion.

UMRA is expected to promote a sound and sustainable non-bank financial institution’s sector (savings and credit cooperatives, village saving and loan associations, non-deposit taking microfinance institutions and moneylenders) to enhance financial inclusion, financial stability, and financial consumer protection among the clients.

UMRA also seeks to protect interests of members and beneficiaries of tier 4 microfinance institutions including the promotion of transparency and accountability by applying both prudential and non-prudential standards, promote stability and integrity of the financial sector through ensuring stability and security of Tier 4 microfinance institutions and other functions


“To be a world-class regulator by promoting stability of the microfinance sector to achieve financial inclusion.”


“To support the sustainable growth of Tier 4 Microfinance Institutions and Money lenders through effective regulation, licensing and supervision.”


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Years of service delivery


The Authority has received cumulatively 1473 applications from institutions and issued licenses since the year 2018 under the Tier 4 microfinance institutions and money lenders Act, 2016 after fulfilling the licensing requirements.

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Licensed Institutions
We regulate MFIs for social economic development of all.
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5 stars reviews
We strive for quality service delivery to all our stakeholders.
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Team members
We believe in the collective effort of working as a team.
Client’s testimonials

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