Uganda hosts one of the largest refugee populations in the world with approximately 1.1 million refugees settled in urban centres and 28 refugee settlements across the country. And while the number of adult Ugandans accessing formal financial services continues to grow, primarily driven by mobile money services, the figures are much lower in refugee settlement communities. According to FinScope 2018, overall financial inclusion stood at 78% for adult men and 77% for adult females in Uganda. In contrast, only 13% of refugees surveyed in Bidi Bidi Refugee Settlement recently were able to access formal credit, with most of them depending on informal groups, which have their limitations, to meet their financial needs.