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Restructuring· Apr 21, 2026 · 7 min read
Loan Restructuring in Uganda: How It Works
What restructuring actually changes — tenor, instalments, fees — and why lenders often prefer it to default.
Restructuring rewrites the terms of an existing loan so the borrower can realistically pay. Usually that means a longer tenor, lower instalments, sometimes a fee waiver.
Lenders agree because a paying borrower is worth more than a defaulted one. With a counsellor, the negotiation moves from conflict to a workable agreement.