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NPL Recovery· Apr 7, 2026 · 8 min read
NPL Recovery in Uganda: Beyond Collections
Why structured restructuring outperforms collections-only paths for Uganda's banks, MFIs and SACCOs.
The conventional NPL playbook moves from delinquency to collections to legal action. Each step destroys value — for the borrower, for the lender, and for the credit system.
A restructuring layer sits between distress and write-off. Institutions that adopt it report measurably higher recovery rates — in our portfolio data, around 3.2× over collections-only.