Insights

Notes from the Baikal team.

Field reports, product updates, and the occasional opinion on what it takes to lend responsibly in Uganda.

Why we finance boda riders first

The economics of putting a working bike under a Kampala rider — and why it remains the single highest-leverage loan we can make.

What we learned financing the first 180+ electric boda bikes — on charging, range, battery economics, and what riders actually care about.