Thank you for this very informative and valuable article on Financial inclusion for Refugees. I work as the Head of Credit for one of the FSPs (UGAFODE Microfinance) and indeed I can testify that the Refugee segment is a very reliable segment to offer micro loans bundled with other non-financial services like financial literacy training and indeed our success has demystified the earlier misconceptions that made FSPs shy away from offering inclusive finance to Refugees. Our low-cost brick and mortar Sales Centre model of establishing financial service outlets within Refugee settlements under the project turned out to very successful and we have now adapted it as our flagship Growth model. The funding and TA support from SIDA and Grameen Credit Gricole were real game changers in enabling UGAFODE to succeed in implementing the blended finance approach. We are eagerly looking forward to Development Partners that are passionate in promoting the approach because it is the real magic wand to achieving real financial inclusion for Refugees and members of their host communities