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Shivani Siroya is the founder and chief executive officer of Tala, a smartphone lending app. She founded the app [1] in 2011 to offer instant credit scores to people in underrepresented markets such as Kenya, Tanzania, India, and the Philippines. [2] [3] The app also acts as a lender and has granted more than $225M [4] in microloans as of 2018. [5]
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The company is currently operating in Kenya, Nigeria, Ghana, Uganda and South Africa. [ 4 ] M-KOPA uses a financing model based on daily repayments, providing affordable smartphones integrated with financial services that fit with the cash flow of underseved individuals who earn their income on a daily basis.
The Uganda Microfinance Regulatory Authority (UMRA) is a government agency responsible for the licensing, supervision and regulation of Tier-4 micro finance institutions, money lenders, savings cooperatives and any money-lending institution with capital of less than USh500 million (US$140,000).
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Centenary Bank Uganda Limited, a large commercial bank in Uganda; Centenary Technology Services Limited (Cente-Tech), an information and communications company, responsible for the ICT functions within the group. [14] Centenary Foundation, a non-government non-profit organisation, charged with promoting and executing the group's social programs.