Ubale Financial Services Limited (UFSL) is a registered Malawian Microcredit Agency incorporated under the Laws of Malawi and having its registered office in Lilongwe ,Malawi, registration number MCA 044/17,that provides tailor made products and high-tech money lending solutions and financial management services to suit the needs of clients. UFSL is capitalized by two Malawian principal investors who have passion in the lending industry and financial management and they would want to live their dream of transforming lives of Malawians using the provision of financial advisory and micro-credit to fellow citizens and provision of financial management technical assistance to local institutions and structures.
We believe that helping people and institutions is a very rare opportunity which UFSL has been entrusted with. Ubale Financial Services Limited has been established to meet the gaps in the micro-finance industry and public financial management for local institutions and structures.
At Ubale Financial Services Limited you have access to a full range of micro-finance products and financial services to meet our customers' financial needs.
Our major aim on the loan services is to provide our customers with considerable micro-loans at reasonable prices and rates, while also keeping our customers informed and active throughout the process while building a relationship.
Core Values
Integrity
Ubale Financial Services Limited's mission is to service low-income clients— women and men—and their families, providing them short term and/or long-term access to financial services, that are client focused, designed to enhance their well-being, and delivered in a manner that is ethical, dignified, transparent, equitable and cost effective. ULL also provides technical assistance on financial management to local institutions and structure.
Quality of Service
Ubale Financial Services Limited believes that our clients deserve fair and efficient Microfinance services. We will provide these services to them in a convenient, participatory and timely manner as possible.e our clients and to uphold core social values.
Our Target
- Construction
- Tourism
- Farm Enterprises
- Retailers
- Manufacturies
- Supplies
Transparency
Ubale Financial Services Limited shall give our clients complete and accurate information and educate them about the terms of financial services offered by us in a manner that is understandable by them.
Fair Practices
Ubale Financial Services Limited is committed to ensure that our services to our clients are not unethical and deceptive. In providing microfinance services including lending, Ubale Loans Limited is committed to fair practices, which balance respect for client's dignity and an understanding of a client's vulnerable situation, with reasonable pursuit of recovery of loans.
Privacy of Client Information
Ubale Financial Services Limited will safeguard personal information of clients, only allowing disclosures and exchange of such information to others who are authorized to see it, with the knowledge and consent of clients.
Integrating Social Values into Operation
Ubale Financial Services Limited believes that high standards of governance, participation, management and reporting are critical to our mission to serve our clients and to uphold core social values