Financial services structured around everyday business and household needs.
Universal Microfinance combines customer-centered lending, practical savings products, investment options, and business advisory support to help customers manage growth, liquidity, and planning.
Value Flow Model
Loans, savings, investments, and advisory services
Loans
Flexible credit for personal and business activity.
UMF provides seven kinds of loans with competitive rates, flexible repayment structures, and delivery suited to active customer operations.
- Trade finance / working capital
- Contract financing
- Business asset acquisition
- Port clearing loans
- Personal loans
- Group working capital
- Scheme and transport union loans
Savings & Susu
Savings products designed to fit different customer lifestyles.
UMF encourages disciplined saving through products that range from interest-bearing savings accounts to doorstep susu collection.
Nhyehyeepa Savings
Interest-bearing account with minimum opening balance and no withdrawal charges.
Universal Savings
Low withdrawal charges and service support at the customer’s doorstep.
Universal Kids Plan & Special Susu
Products intended for long-term saving discipline and fixed daily contributions.
Investments
Investment opportunities for customers seeking steady growth.
UMF offers both short-term and long-term investment options for customers seeking secure growth.
Discuss investment optionsBusiness Advisory
Practical guidance for growth, restructuring, and planning.
UMF provides business advisory support for planning, restructuring, and growth decisions.
Speak with UMF