In the 2015 World Bank Doing Business Report SSA was reported to have accounted for the largest number of regulatory reforms, making it easier to do business in the past year. Over the past decade Africa has increasingly been earmarked as a profitable investment destination by international investors.
This means that nationwide, 62% of Ugandans are not served by any financial institution or groups (formal, semiformal or informal). Further, the disparity between urban and rural access to financial services is so wide with urban access at 48% compared to rural access at 35%. This would suggest that more than 12 million adults in rural areas do not have access to financial services.