PEARL is a company limited by shares. PEARL stands for "Promotion of Economic transformation And Realization of sustainable Livelihood". PEARL is a micro-finance institution in Uganda and is an active member of the Association of Microfinance Institutions of Uganda (AMFIU) and AMFIU rates it in category A in terms of its operations, portfolio size and quality, outreach, operational/financial sustainability and other key aspects. Our mission is to become the leading microfinance institution for rural Ugandans; while our vision is all economic active population of Uganda accessing financial services "The long-term objective is to convert Pearl Microfinance into a depository institution and to transform it into one of the preeminent banking services providers in Uganda. PEARL offers tailored loans that are suited to the needs of ordinary Ugandans, particularly the small entrepreneurs who reside in the rural and urban areas. Our mix of products includes group loans, individual loans, as