Empower your financial journey: Education, Microfinance and Consulting.

We believe in a comprehensive approach to financial inclusion.

"We empower our clients with business development tools and financing that will enable them to start and sustain their entrepreneurial journey."

Our Services
Financial Education

We empower individuals, women, youth and other special groups with tools and knowledge to make informed financial  decisions.


We offer innovative, tailored, and digital microfinance solutions for our clients to enable them complete a transformational journey with us.


We support and advise individuals, households, SMEs, and other organsations to formulate financial strategy, conduct research, training and connect them to growth opportunities.

Why Financial Literacy Matters

Financial literacy is the ability to make informed and effective decisions about your money. It is about gaining the knowledge and skills to navigate the entire spectrum of financial choices you'll encounter throughout your life. From basic budgeting to investing for the future, financial literacy is the key to taking control of your financial destiny.

At Penda, we spend most of the time un-earthing the components of our daily lives that impact these decisions, and how we can make change. We focus on the simple things in our lives to make a great Impact.

Penda Capital's Digital Fiancial Literacy Platform

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Our Commitment to Financial Literacy

At Penda Capital, we are committed to promoting and enhancing financial literacy in the communities we serve. We firmly believe that access to quality financial education is a fundamental right, and we're here to help you build the knowledge and confidence you need to achieve your financial goals.

What We Offer

Educational Resources

Workshops and Seminars

One-on-One Counselling

Community Engagement

Our Values

Financial Inclusion

We aim to provide access to financial services to underserved and marginalized populations, including those without access to traditional banking systems. We believe that everyone, regardless of their income or social status, should have the opportunity to access financial services.  

Financial Education

We offer financial literacy and education programs to our existing and prospective clients, helping them make informed financial decisions and manage their money effectively. We focus on empowering women and Youth, by giving them control over their finances and helping them build financial skills and knowledge.


Innovation is at the heart of our approach to financial inclusion. We constantly seek new ways to improve our services, enhance the client experience, and expand our reach. We encourage our team members to think outside the box, challenge the status quo, and embrace technology.


Diversity is not just a buzzword for us; it's a fundamental principle that guides our actions and decisions. We recognize that diverse perspectives, backgrounds, and experiences enrich our organization and enable us to better understand and serve the diverse needs of our clients.

Client Testimonials

"Before I came to Penda Capital, my target markets were university students, however with the counsel, I got from Andrew Muhwezi, Founder of Penda Capital, I realized that the urban women, and newlyweds would be the ideal fit for Bel Deluxe. This was a good road map for me, I could now know how much I can spend and invest on each set of sleep wear whether it is an individual or family package to avoid under pricing."

belinda ESAETE
ceo, bel deluxe

One-on-One Counselling

At Penda Capital, our highly trained financial management mentors work with clients to set achievable goals, create individualized action plans, and build wealth for the future.

Our mentors also serve as an accountability partner to help you monitor your progress towards reaching your set goals. Let’s work together!

Personal Finance Session Survey

The survey covers a mixture of attitudes and knowledge as well as capturing behavior relating to topics such as money management, and planning for short term and longer term financial goals.

It is specifically designed to be applicable across people of different age, education and income levels as well as markets with different levels of financial inclusion.

Our Partners

Latest Blog Posts

A number of people wish to live a debt-free life and yet every passing day, they sink deeper and deeper into debt. It might appear impossible, but we have seen people succeed in living their entire lives without any debt.
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