Most organizations don’t grow because they don’t change. They tweak processes, play with new products, or shift people around, but real transformation? Rare. UGAFODE Microfinance Ltd, however, didn’t just grow, it tripled its size, doubled its loan book, expanded into refugee settlements, and became a leader in financial inclusion. And no, this didn’t happen because of luck or market conditions. It was engineered. Back in 2021, UGAFODE was just a decent microfinance institution facing critical challenges. With UGX 84 billion in total assets, a loan portfolio of UGX 56 billion, and deposits at UGX 32 billion, most of which was…