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Tugende is a for-profit social enterprise founded in 2012 in Uganda that uses asset finance, technology, and a customer-centric model to help informal-sector entrepreneurs (MSMEs) own income-generating assets through lease-to-own financing — motorcycles (boda bodas), taxis, matatus, boat engines, smartphones, and small-business equipment like…
AI/ML credit underwriting engine for credit-invisible MSMEs using alternate data (GST, Account Aggregator, UPI, EPFO). Built with XGBoost and SHAP for explainable, real-time risk assessment. Seamlessly integrates with India's public digital lending rails (ULI & OCEN frameworks).
Abwab.ai is an AI-powered credit intelligence platform for MSME (micro, small, and medium enterprise) lending, used by banks, NBFIs, fintechs, funds, and digital platforms to originate loans, assess credit risk, price, and monitor MSME loan portfolios across the full lending lifecycle.