Phela
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For HR Managers in Uganda

Your employees
are broke
by Day 10.

Not because of what you pay them. Because of how the lending system works around them. Phela fixes the structure, at zero cost and zero liability to your company.

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From 63 Ugandan HR Managers

The data says what you already know.

We asked HR managers across Uganda about employee financial stress. Three numbers stood out.

1 in 2
HR managers report mid-month brokeness, unending advances, or employees trapped in debt spirals as their biggest monthly workplace pain.
Phela HR Financial Stress Survey, Uganda 2026
51%
Have already lost a good employee to a financial problem their company could not solve in the last 12 months.
Phela HR Financial Stress Survey, Uganda 2026
68%
Have nothing standing between them and a solution like this. Many just have not seen it yet.
Phela HR Financial Stress Survey, Uganda 2026
In Their Own Words

They described it before we could.

Direct quotes from HR managers who filled in our survey. Read them and see if any of this sounds familiar.

"Employees start complaining of brokeness two weeks into payment and then looking forward to the next pay day."
HR Manager, 50-person company, Uganda
"Salary is paid at month end and the money all goes out for debts. They start begging or foregoing meals. It affects their productivity and pains me."
HR Manager, 100-person company, Uganda
"Watching employees wait for salary and count down to it days before the actual payment date."
HR Manager, 200-person company, Uganda
"Multiple borrowing and borrowing from moneylenders at exorbitant rates."
HR Manager, 500-person company, Uganda
The Phela Fix

Two root causes. One rail.

The broke by the 15th cycle has two root causes: employees borrowing too much, and employees borrowing from exploitative places. Phela was built to close both.

Root Cause 1
Employees borrow more than they can repay.
Our system pulls in all available debt records to see exactly how indebted an employee already is. Based on that, employees can only borrow up to 33% of their net salary. If existing debt already eats into that 33%, they cannot borrow more.

That kills the cycle of over-indebtedness at the source.
Root Cause 2
Employees borrow from the wrong places.
We partner with banks to give employees responsible credit at 0% to 2% interest. Right now, you cannot walk into a bank and borrow 100,000 shillings at 2%. With Phela, you can.

That is what kills the other side of the cycle: the part that sends people to loan sharks because banks will not serve them small amounts.
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How It Works

Deducted at source. Before the salary is touched.

Phela sits between your payroll and the bank. Repayments are deducted automatically before any salary is distributed. Zero manual work. Zero liability to your company.

1
Payroll runs
Your normal payroll cycle kicks off. Nothing changes on your end.
2
Phela deducts
Loan repayments are automatically deducted at source, before any salary reaches any account. Phela comes with a free payroll for those using excel. No switching if you have a system, we integrate
3
Bank is repaid. Employee receives the balance.
Clean. Automated. The loan is settled before the money can be spent.
Zero Employer Liability
All lending liability sits with the employee and the lender.
Phela does not make the employer a guarantor, a co-signer, or a party to any loan. If an employee leaves, the debt follows them. If the company closes, the lender carries the risk. Your only role is facilitating the payroll deduction. That is it.
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20 minutes to see if this fits.

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