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UBA Chairman Tony Elumelu Visits, Inspires and Challenges
Mr. Tony Elumelu is a visionary Pan-African entrepreneur and philanthropist founder of Heirs Holdings; an African Investment Holding Company and the beneficial owner of the United Bank for Africa (UBA). UBA is the 9th largest commercial bank on the African continent with a global presence in New York, London and Paris. The fact that his Heirs Holdings is also present in twenty African countries is a good signal that the Nigerian economist, entrepreneur and philanthropist is a busy man. Nevertheless, Makerere University remained top on the agenda of his four day visit to Uganda.
The endless drizzles that preceded Mr. Elumelu’s visit to Makerere University on 11th April 2018 could only be a sign of the blessings that were to follow. Upon arrival, he was received by the Vice Chancellor Prof. Barnabas Nawangwe and ushered into the Council Room where he met with Members of Central Management and the leadership of the College of Business and Management Sciences (CoBAMS).
Accompanied by the Regional Executive Officer, UBA Eastern Africa Divisional Office, Nairobi-Mr. Manz Denga, UBA Uganda Managing Director-Mr. Johnson Agoreyo and other officials, Mr. Elumelu could not hide his elation at making his maiden visit to Makerere University.
“I am honoured, pleased and happy be with you this afternoon” remarked the gentle speaking Mr. Elumelu, “It is a wonderful experience to be in Makerere University; a well known and one of the foremost Universities in Africa” he added.
He thanked the Vice Chancellor for the warm welcome and commended all Makerere staff for helping to advance research and knowledge not only in Uganda but on the entire African continent. He also thanked the University Leadership for admitting UBA into the Makerere community, noting that “Makerere’s 45,000 student population is a tip that we can do more!”
After signing the visitors’ book and receiving souvenirs of the Makerere neck tie and diary from the Prof. Nawangwe, Mr. Elumelu proceeded to the Main Hall, where he was greeted by thunderous applause from the staff and students who had convened to listen to his talk. “I am greatly humbled and pleased to see that the hall is overflowing and some people are still standing” he remarked good naturedly ”I thank you all for coming and hope that our interaction will be enriching,” he added.
The event took the form of a question and answer session moderated by the day’s emcee, Mr. Peter Igaga. He shared with Mr. Elumelu that a sample of questions from the audience had revealed that capital was an outstanding issue of concern for budding entrepreneurs and asked the UBA Chairman share his views on the topic.
Mr. Elumelu firstly admitted that entrepreneurship is not a simple journey to embark on as it calls for patience and resilience. He then emphasised that; an idea of what one wanted to do and a proper definition of how one wanted to go about doing it formed the basis for attracting capital. “Most billionaires in the world today did not start out with a handful of money. While it is important, do not kill your good ideas just because you don’t have a handful of money to start with.”
He further opined that entrepreneurs need not start big and all that was needed was seed funding to prove one’s concept or idea, which money can be raised from family, friends and a few willing venture capitalists. “Banks should be your last option as you start up” he warned, before adding “Banks by their nature are highly structured organizations and will only give you money to scale up your idea once it is up and running.”
On the culture of saving, Mr. Elumelu noted that this was one of the most important attributes of any successful entrepreneur. He reemphasized the fact that entrepreneurship is a long journey and those who venture into it must be very disciplined and avoid any luxuries and unnecessary expenses that would deplete initial revenue.
“I also advise you to get good mentors” he continued “at the Tony Elumelu Foundation (TEF), we see capital as only one of the factors necessary for one to succeed. We also see training and mentoring as extremely important aspects of entrepreneurship. During our 12week mentorship programme, we ensure that you understand the basics of things such as good bookkeeping so as to prepare yourself for the future.”
Mr. Elumelu added that it was only upon successfully completing the TEF training that entrepreneurs saw their first coin of seed capital, which also comes with mentors. “Our aim is to create entrepreneurs not grant seekers. We want to train people who will be able to support other entrepreneurs in the future.”
Since the setting of this discussion was at the region’s flagship University, the next topic sought clarity on the relevance of education to entrepreneurship, especially as a good number the world’s top billionaires had admitted to dropping out of school to focus on their ideas. Mr. Elumelu tackled this topic by first and foremost admitting that education, awareness and knowledge were all critical for entrepreneurship.
He however sought to create a distinction between two definitions of education; just to get a certificate and to gain a thorough understanding of subject matter, the former being the wrong one. He reaffirmed that education is a critical success factor in understanding ones trade, as it helps to sharpen the brain to better understand concepts. “Nevertheless, what is important is knowing what is critical for success. Discipline, hard work and thinking long term are extremely important factors for success” added Mr. Elumelu.
He urged all entrepreneurs never to let the fear of making mistakes prevent them from daring to try out their ideas. “You will make mistakes” assured Mr. Elumelu. “As a business, we have made some decisions that led us to venture into a partnership with a leading global company but in the end we had to write off US$200million after it didn’t take off as anticipated” he added, much to the hushed amazement of the audience.
Entrepreneurship without the right networks is a precarious journey to embark on. Tackling the question on the role of networks versus net worth, Mr. Elumelu shared that “Networks help you build net worth and net worth can help you extend your reach.” He stressed that it is important to have partnerships but these have to be matched with an alignment of interests. “Misalignment will not help you to build net worth or to succeed” added Mr. Elumelu.
“My net worth is not really important to me because it is just a figure; it is not about how much you have in the bank. What is important however is what you do with your net worth because at the end of the day you move from wanting to survive to changing lives and building a legacy” counseled Mr. Elumelu.
The day’s session would have been incomplete without a few testimonies from TEF beneficiaries. Mr. Joseph Ogwal is the Founder of Agro Supply Uganda Limited and a 2017 TEF Alumnus. His business was started with the aim of supplying smallholder farmers in the Acholi and Lango sub-regions with quality seeds. After completing his training with TEF, Joseph’s business is now able to supply 10,000 farmers with 30metric tonnes of quality planting seed and is projected to supply up to 50metric tonnes by the close of 2018. The company has additionally set its sights on supplying new markets in Rwanda and Tanzania.
Hon. Grace Oburu is the proprietor of Pakoi Mixed Farm in Tororo District and a 2017 TEF Alumna. The former legislator of the 8th Parliament admitted to initially being chastised by her children for applying to a youth entrepreneurship competition. She however persisted and today, does not regret having made that decision, especially as with the help of the seed capital she expects to house 800pigs at her farm by the close of 2018.
“The Operation Wealth Creation has booked all piglets from my farm because I am rearing a good breed, I have offered employment to the previously jobless youth and young men in the community are learning how to make biogas for cooking which is saving the environment” added Hon. Oburu.
Addressing the audience, Prof. Barnabas Nawangwe thanked Mr. Tony Elumelu for putting Makerere University especially the interaction with budding entrepreneurs at the top of his agenda. He noted that Mr. Elumelu was one of the most enterprising entrepreneurs in Africa.
“I want to thank you Mr. Tony Elumelu for being a very generous person by supporting youths in Africa, irrespective of where they come from, so as to emancipate Africa from poverty. We are now past the stage of political emancipation and now is the time for economic emancipation” said Prof. Nawangwe.
He noted that Makerere University has produced some of the region’s top leaders in all spheres of influence including former Presidents such as H.E. Mwalimu Julius Nyerere of Tanzania, H.E. Mwai Kibaki of Kenya, H.E. Milton Obote of Uganda, to mention but a few. Prof. Nawangwe also encouraged Mr. Elumelu to come back again and welcomed partnerships with UBA and TEF aimed at improving entrepreneurship skills among the students.
Article by Public Relations Office
General
Impact Stories: Meet Malvin Akwara, a Mastercard Foundation Scholars Program alumna, who is dedicated to promoting inclusive education
Malvin Akwara obtained a Bachelor of Arts degree in Education, specialising in English Language and Literature, from Makerere University in 2023, with support from the Mastercard Foundation. Since graduating, she has developed a passion for helping young people with disabilities access education at both secondary and university levels.
Who is Malvin Akwara
Malvin was born on 22nd November 1998 in Tororo, Eastern Uganda, into a family of six children (three girls and three boys). Shortly afterwards, the family moved to Kampala, where her father worked as an accountant. In 2009, her father lost his job, marking the beginning of a difficult period for the entire family. When her father who was the only breadwinner lost his job, the family returned to Tororo because they could no longer afford the high cost of living in the city.
Early Education
At the age of three, Malvin began her early childhood education at Clever Junior School in Kitintale, a Kampala suburb, where she attended Nursery School through Primary Three. Here, life was quite good, and she enjoyed being dropped off and picked up by her father, as was typical of most Kampala middle-class families. Unfortunately, it was not long before life took a different twist when her father lost his job and the family moved back to Tororo. In Tororo, she joined Morukebu Primary School, where she sat for her Primary Seven Leaving Examinations. Unlike her experience of a reasonably good life at school in Kampala, she had to walk long distances to and from school (14 kilometres each way) with her siblings, because her father could no longer afford to take them. The family had taken to subsistence farming to earn a living. The family worked together on the farm to grow food for home consumption and to sell some to pay school fees.
Pursuing Secondary Education
With her hard-earned 15 points from the Primary Leaving Examinations, Malvin embarked on her journey towards secondary education. She attended St. John’s Wakitaka in Jinja for her O-level from 2013 to 2016. However, in 2015, just before sitting her Uganda Certificate of Education (UCE) examinations, her father passed away due to peptic ulcers. His death devastated the already struggling family, and life became even harder. Left in the care of her single mother, with no steady source of income, Malvin and her siblings’ prospects looked bleak. Her father’s passing significantly affected her final results; she scored 39 points, which was poor compared to her earlier performance. With support from her paternal uncle, she later joined Budini Boarding Secondary School in Kaliro district, where she scored 14 points in History, Economics, Literature, and Divinity in 2018. By then, her other siblings had dropped out of school due to lack of fees, as their mother could not afford to keep them in school. To make matters worse, family disputes arose when her father’s relatives evicted her mother from the family land, leaving them homeless and with only enough land to grow food for their own consumption.
Pursuing University Education
With 14 points in her 2018 Uganda Advanced Certificate of Education (UACE) examinations, Malvin was hopeful about pursuing her university education with the support of her paternal uncle, who had helped her through A-level. Unfortunately, that hope was short-lived when her uncle shared the difficult news that he could not afford to send her to university because he needed to support his own children financially. The news was a significant setback to her dreams of being the first girl in her family to attend university. Unable to join a university at that time, Malvin embarked on a journey to find small jobs to support her mother and help the family.
It was during her job search that she came to Kampala to work for a family as a house help, mainly caring for her boss’ mother, who was in her sickbed at Kiruddu Hospital. During the three months she spent in the hospital as a caretaker, she learnt about the Mastercard Foundation Scholars Program at Makerere University through one of the family’s children, who was studying there.
Joining the Mastercard Foundation Scholars Program at Makerere University
Armed with the necessary information about the Mastercard Foundation Scholars Program at Makerere University, Malvin applied in 2019 and was delighted to be selected. Soon after, she was given the opportunity to pursue a Bachelor’s degree in Education, specialising in English Language and Literature. While at university, Malvin did not forget her family back home in Tororo. She allocated part of her stipend to support her mother and to ensure her siblings returned to school. During her second year at university in 2020, the global COVID-19 pandemic struck the world, bringing everything to a halt, including education at the university.
When Malvin was grounded at home, just as all her colleagues were, she didn’t let the misery that came with COVID-19 break her down; instead, she used it as an opportunity to support people in her community who were facing social and economic barriers to opportunities. Using her little savings, she started a piggery project to help single mothers in her community by giving them piglets to rear, multiply, and distribute to others experiencing similar challenges.
The piggery project helped several single mothers send their children to school. It is through this piggery project that Malvin came across Omukaga Samuel, a young person living with a disability who had been out of school because his parents could not afford to pay his school fees. With support from the piggery project, Malvin worked together with Samuel’s parents to help their son return to school. This experience with Omukaga Samuel ignited Malvin’s passion for supporting learners living with disabilities to access education.
Life After Makerere University
Upon graduating in 2023, Malvin immediately found a position teaching English Language and Literature at Elite High School, one of Kampala’s top secondary schools. At this school, Malvin has grown into a professional teacher, career advisor, and mentor to many young people both within and outside the school.
Through mentorship, she has focused on supporting young people living with disabilities to return to school by helping them secure bursaries for secondary education and apply for scholarships to access university. For example, she assisted Omukaga Samuel in applying for the Mastercard Foundation Scholars Program at Makerere University, where he is currently pursuing a Bachelor’s degree in Adult and Community Education, as well as Patricia Namiwanda, who is presently studying for a Master’s degree in Human Rights at Makerere University, all thanks to the Mastercard Foundation Scholars Program.
Malvin has also used her resources to build a decent house for her mother, where she now lives with her siblings in Manafwa District, Eastern Uganda, restoring hope after the family lost their home due to land disputes.
Impact on the Community
As the first-generation girl to achieve a university education, Malvin has inspired many young girls in her home district of Tororo to pursue further studies and has continued to support them through peer mentorship. Although she works and resides in Kampala, she travels home every Friday to meet and mentor young girls in secondary schools, encouraging them to stay in school and avoid early marriage, which remains a significant challenge for many young girls in Tororo and across Eastern Uganda.
In addition, her piggery project has expanded across the entire district, improving the economic well-being of many participants in her community.
Looking into the Future
Malvin is optimistic about a bright future ahead, judging by the progress she has made in her life. She is currently pursuing her Master’s degree in Education with a specialization in Languages at Makerere University. She aspires to specialise in curriculum development and work with the National Curriculum Development Centre (NCDC) to design an inclusive curriculum that will help young people living with disabilities access meaningful education in Uganda. She also envisions building a school in her community that will specifically support young people living with disabilities to attain inclusive, quality education.
Message to Fellow Young Women
Malvin urges young women not to despair or give up in the face of difficult situations.
“I urge my fellow young women not to give up or despair when faced with difficult situations. They should always challenge themselves to emerge stronger from such circumstances.” Malvin shares.
Words of Gratitude
Malvin expressed gratitude to the Mastercard Foundation for the support that enabled her to attain a quality university education at Makerere University.
“If it were not for the Mastercard Foundation Scholars Program, I wouldn’t have attained a university education. I am therefore grateful and humbled for the opportunity extended to me and other Mastercard Foundation Scholars through this life-changing program.” Malvin remarked.
Malvin further urged the Mastercard Foundation Scholars Program team at Makerere University and other Mastercard Foundation partners to reach out to distant areas so that more young people facing social and economic barriers can also access university education.
Bernard Buteera is the Principal Communications Officer for Mastercard Foundation Scholars Program at Makerere University.
The 3rd Board of Trustees of the Makerere University Endowment Fund (MakEF) has been officially inaugurated in a ceremony presided over by Mrs. Lorna Magara, Chairperson of the University Council on 23rd October 2025, and moderated by the Secretary to the Board, Mr. Emmanuel Kitamirike
In her address, Mrs. Magara commended the outgoing board, led by Dr. Margaret J. Kigozi, for their remarkable stewardship that saw the Fund grow from UGX 8.66 billion in 2021 to UGX 14.54 billion in 2025. She underscored the Endowment Fund’s vital role in ensuring the University’s financial sustainability amidst fluctuating public funding, reaffirming the Council’s commitment to providing policy and institutional support. Mrs. Magara further urged the incoming Board to uphold transparency, strengthen alumni engagement, and pursue innovative investment strategies to expand the Fund’s impact as Makerere continues to build for the future.
Board composition
The newly inaugurated 3rd Board of Trustees (2025–2029) brings together a team of distinguished professionals whose expertise spans business, academia, finance, governance, and social advocacy. Notably, some members have been reappointed in recognition of their exceptional service and contribution to the Fund’s growth during the previous term. The Board is chaired by Dr. Margaret J. Kigozi, a seasoned business leader and former Executive Director of the Uganda Investment Authority (UIA). She is joined by accomplished members including Ms. Jennifer Mwijukye, CEO and founder of Unifreight Cargo Handling Limited; Mr. Ninsiima John Chris, Director of Programmes at NUDIPU and member of the Makerere University Council; Mr. Kenneth Mugambe, former Director of Budget at the Ministry of Finance; Prof. Buyinza Mukadasi, Makerere University’s Academic Registrar and Professor of Forestry Resource Economics; and Mr. Sam Ayesiga, a governance and investment expert with vast experience across Africa. Their diverse backgrounds and renewed commitment are expected to steer the Fund toward even greater stability, innovation, and impact in the years ahead.
Representing the Vice Chancellor, Deputy Vice Chancellor for Academic Affairs, Prof. Sarah Ssali, commended the outgoing Board of Trustees of the Makerere University Endowment Fund for their exceptional service marked by growth, innovation, and accountability. She noted that the growth of the fund to UGX 14 billion is a clear testament to strategic vision, prudent management, and confidence in Makerere University’s long-term sustainability. Prof. Ssali praised the Board for initiatives that have united thousands of alumni, staff, and partners, notably through the Makerere Run, which has supported disability inclusion and empowerment.
She also recognized the introduction of the MakAdvance digital platform as a milestone in promoting efficiency and transparency. She welcomed the incoming Board, and challenged the new team to grow the Fund beyond UGX 25 billion through deeper engagement, innovative fundraising, and stronger partnerships. She reaffirmed Management’s commitment to supporting the Fund within robust governance frameworks that inspire stakeholder confidence, emphasizing the shared vision of building a financially resilient Makerere University.
During the handover ceremony, Dr. Margaret J. Kigozi, the Chairperson, reflected on the remarkable progress achieved under the 2021–2025 term, noting the Fund’s growth from UGX 8.66 billion to UGX 14.54 billion — a 68% increase despite global economic challenges. She highlighted key milestones including the institutionalization of the Makerere Run, establishment of the Makerere Gift and Souvenir Shop, launch of The Legacy e-newsletter, and the creation of the Jawaher Fund for the Advancement of Women’s Education, supported by NAMA Establishment in the UAE. Dr. Kigozi expressed gratitude to the outgoing Trustees and reaffirmed her commitment, alongside the new Board, to advance transformative projects such as the construction of the Makerere University Students’ Centre and development of the Makindye land. She emphasized that the Fund’s goal remains to build a financially sustainable Makerere University capable of supporting innovation, research, and academic excellence for generations to come.
At the inauguration, the Deputy Vice Chancellor in charge of Finance and Administration, Prof. Winston Tumps Ireeta underscored the Fund’s central role in ensuring Makerere’s financial sustainability and institutional legacy. He described the Endowment Fund as a cornerstone of the University’s vision—an instrument through which Makerere secures its future, strengthens its independence, and sustains strategic investments in teaching, research, and innovation. He extended heartfelt appreciation to the outgoing Board, chaired by Dr. Margaret J. Kigozi, for their dedicated service and strong leadership that fortified the Fund’s governance, fundraising, and asset management.
Welcoming the new Board, he congratulated the members on their appointment and urged them to continue expanding and mobilizing resources with integrity and innovation. He reaffirmed his office’s commitment to providing administrative and financial support to ensure that the Fund thrives beyond annual budgetary constraints, contributing meaningfully to Makerere’s vision of becoming a research-led, financially resilient, and globally respected institution.
The Makerere University Endowment Fund (MakEF) was established to secure the University’s financial sustainability by mobilizing, investing, and managing resources to support its core functions of teaching, research, and innovation. Originating from donations made as early as the 1930s, the Fund has evolved into a strategic vehicle that aims to reduce dependence on public funding. It is governed by a Board of Trustees appointed by the University Council, responsible for overseeing investments and resource mobilization. Through initiatives like alumni engagement, digital giving, and events such as the Makerere Run, the Fund continues to grow and strengthen Makerere’s vision of being a research-led and financially resilient institution.
The Makerere University Retirement Benefits Scheme (MURBS) Board of Trustees on 23rd October 2025 during the 15th Annual General Meeting declared an interest on 13.56% on Members balances for the Financial Year 2024/2025. Held in the Main Hall for the first time since the Main Building’s reconstruction, the AGM was a chance for the Board of Trustees led by Dr. Michael Kizito to showcase the dedication, strategic initiatives and resilience that had enabled the fund to grow by 16.2% from UGX 409.2 billion as at 30th June 2024 to UGX 475.5 billion as at 30th June 2025.
MURBS asset classes and contributions
Some of these strategic initiatives included investing 86.4% of MURBS’ portfolio in long-term Ugandan Government Bonds. This decision was in line with the Uganda Retirement Benefits Regulatory Authority (URBRA)’s approved waiver, allowing investment of up to 90% in this asset class. Investments in other asset classes included Unit Trusts (10.3%), Real Estate (3.19%), as well as Equities and Fixed Deposits at 0.08% each.
Additional contributors to the fund growth included the remittances from the Sponsor, Makerere University, which grew by 6.4% from UGX 34.4 billion to UGX 36.6 billion. Of particular significance were remittances from staff on projects amounting to UGX 4.59 billion, attracting the Chairperson’s commendation.
“MURBS Trustees appreciate the Sponsor’s compliance and are grateful for the engagements so far to settle historical debts” enthused Dr. Kizito, before adding “We equally recognize Principal Investigators, Accountants and College Principals who remitted to MURBS retirement contributions for their staff on contract and under different projects.” Thirteen new projects were registered by MURBS during the last quarter of FY 2024/2025, bringing the total number of projects remitting staff benefits to the Scheme to 174.
Membership and savings
As such, the number of MURBS Members actively contributing to the scheme grew from 3,137 last year to 3,368 as at 30th June 2025. Of these, the majority i.e. 1,648 (48.93%) had savings below UGX 50 million, followed by 524 (15.56%) with savings between UGX 500 and 550 million. The minority i.e. 1 (0.03%) member has the highest savings between UGX 650 and 700 million, followed by 2 (0.06%) with savings between UGX 600 and 650 million.
Retirement of staff is a normal practice and as such, MURBS paid benefits worth UGX 21.7 billion last financial year. As alarming as this figure was, the Chairperson reassured members that the rise in benefits paid is a normal trend “because it corresponds to rise in the value of individual holdings for members.
“Our retirement benefits packages now include partial withdrawals after retirement, annuity arrangement with reputable industry partners, and Mid-Term Access,” explained Dr. Kizito.
Milestones registered
MURBS registered a number of achievements during the last financial year in its bid to ensure transformative growth. These included completion of a benchmarking process that will see the procurement and introduction of a modern Management Information System (MIS) to strengthen operational efficiency. The Chairperson equally announced that the MURBS Mobile App had been developed and is ready for deployment. The App, he added, will “dramatically enhance the member experience by offering instant access to benefit calculators, account information, and real-time statements.”
Other milestones highlighted by Dr. Kizito included the implementation of Document Management System (DMS) for efficient records management, and the acquisition of new office premises to accommodate the scheme’s growth and offer more member-focused services. On this note, the Chairperson appreciated the Makerere University Council and Management for their support in ensuring that MURBS continues to deliver “an enabling environment that promotes productivity, accessibility, and efficiency for both members and staff.”
Sector Regulator applauds MURBS Trustees
Speaking on behalf of URBRA, Mr. Mark Lotukei commended MURBS Trustees on leveraging sector rules to ensure that members receive the best return on investment for their benefits. “From this year’s presentation, your funds were invested more than 80% in government securities, which shows that your trustees were proactive enough to take advantage of shifts in the marketplace” he commended.
Mr. Lotukei urged MURBS members to use the platform provided by the AGM to not only question the Trustees decisions but also improve their own awareness of how scheme business is conducted. He equally encouraged members to make the most of the regular free online trainings provided by URBRA. “Those two hours could change a lot in terms of enabling you to plan better for your retirement”.
A pledge to continue delivering value
True to Mr. Lotukei’s encouragement, the AGM was concluded with a lively question and answer session, where members thoroughly probed the Trustees on various issues presented in the annual report. In addition to the Chairperson, other Trustees namely; the Board Secretary – CPA Francesca Angida Mugyema and Members – Mr. Joseph Ikarokok, Dr. Elizabeth Nansubuga, Mr. George Bamugemereire, and CPA Edna Rugumayo were on hand to provide responses, while Trustee Dr. Deus Kamunyu Muhwezi moderated the session.
In addition to Trustees, the Board’s co-opted experts include; CPA David Ssenoga, Dr. Saul Nsubuga, Mr. Alan Lwetabe, and Mr. Paul Kuteesa. The Board of Trustees is supported in the daily running of Scheme business by the Secretariat that is made up of; Ms. Susan Khaitsa, Ms. Juliet Nabukeera, Ms. Julian Marembo, Mr. Marvin Kakumba, Ms. Rhonah Asingwiire, Ms. Rebecca Nairuba, and Ms. Doreen Namono.
In closing, the Chairperson reassured Members of the MURBS’ Trustees unwavering commitment to continue focusing on optimizing operations, enhancing revenue streams through alternative investments, and delivering value to stakeholders.
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