Sandra Attermo, Founder and managing director

Sandra is an economist from Sweden who loves traveling and adventures but hates winter and snow. She holds a master’s degree in International Economics from the Stockholm School of Economics and has also studied Political Science. After her graduation, Sandra worked one year as a management consultant. That was enough for Sandra to realize that life is too short to be spent on working and she booked a one-way ticket to Uganda where she joined CML as a volunteer. At CML, Moses introduced Sandra to the idea of Lenders Without Borders. Together, they developed the concept further and by the end, Sandra became a Ugandan business owner herself. Now, Sandra divides her time between Sweden where she is a credit analyst and Uganda where she escapes winters and learns more about microfinance. In the future, Sandra wishes to pursue a PhD in economics and continue to work with development economics.

Moses Nsereko Kayongo, Founder

Moses holds a degree in Business Administration - Management Information Systems from Bugema University and a Diploma in Resource Mobilization and Management from Uganda Management Institute.  His experience with microfinance spans nine years and involves the development of two fully-fledged microfinance organization; Advance Uganda Microfinance Ltd and Community Microfinance Ltd (CML), of which he is still the managing director in the latter.  Moses has also founded two other organizations that support and enhance the work of CML; Microfinance Volunteers, a community organization that links international and local volunteers to local health, education and microfinance organizations; and Think Big Consult Ltd, a consulting firm that helps local entrepreneurs succeed with their business-related challenges. Moses is married with two children. He loves volunteering and is currently helping youth under an organization called Uganda Youth Business and Innovation center.

William (Bill) Batko, International Advisor

Bill Batko is President of William Batko Consulting, a boutique consulting arm for the international development finance community.  He has significant expertise and experience in all aspects of development finance, including lending operations, financial analysis, financial management, underwriting, portfolio management, organizational financing and community development financial institutions.  He has worked primarily in the US, along with engagements in Africa (Angola and Uganda), Asia (Tajikistan) and Eastern Europe (Albania and Ukraine). Bill has assisted numerous micro funds in capitalization analysis, capitalization implementation, strategic and business planning, and in developing and implementing loan policy and procedure manuals. He has also helped to develop the capacity of hundreds of cooperative and nonprofit community development organizations in a range of areas including strategic and business planning, single family and multi-family finance and development, financial management, and resource development. Bill visited and volunteered with Community Microfinance in 2015. Since he is now mostly retired, he is happy to spend time volunteering for Community Microfinance and other worthwhile efforts.



Be a lender without borders

Uganda is a country full of potential ready to be unleashed. Take the opportunity to do socially beneficial investments with a competitive interest rate.