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Growth for SMEs: Grace Semakula recommends strategic liquidity!
Grace Semakula from SBG Securities explains how SMEs can grow through cash management and unit trusts in the October Masterclass.
Growth for SMEs: Grace Semakula recommends strategic liquidity!
In a lively masterclass hosted by Stanbic Business Incubator Limited (SBIL) on October 10, 2025, Grace Semakula, CEO of SBG Securities shared valuable insights with entrepreneurs in Uganda. Her tip: Companies should pursue a two-pronged strategy to ensure long-term growth. This includes disciplined cash management and investment in unit trusts, which are considered effective tools for risk mitigation and business growth. These messages were clearly articulated in the event's agenda, which highlighted the benefits of investing in unit trusts for small and medium-sized enterprises (SMEs) and individual investors. PMLDaily reported that Semakula urged entrepreneurs to immediately build a cash buffer, which it described as the "cheapest and most flexible form of financing."
In an economically unpredictable time, it is important for SMEs to plan for long-term financial stability. SBIL CEO Catherine Poran reinforced this argument by emphasizing the urgency of a diversified financial approach to support growth and risk management. Semakula also cited the COVID-19 pandemic and associated challenges as an example of the need to maintain strong liquidity to weather crises and reposition. Watchdog Uganda reported on their suggestions that entrepreneurs should build cash buffers during good times to be prepared for unexpected setbacks.
Strategic liquidity planning is key
Good liquidity planning is essential for companies to maintain their own operations without the risk of financial bottlenecks. Experts recommend regularly analyzing your own financial situation in order to exploit potential and minimize risks. Gravenfeld highlights that the ability to meet short-term commitments plays a crucial role.
In addition to precise liquidity planning, it is important to find the right balance between liquidity and investments. Entrepreneurs should analyze the structured deposits and withdrawals in order to promote stability. Through systematic planning, companies can react quickly to market changes and thus remain flexible.
- Risikominimierung: Vorhersehen und Vermeiden finanzieller Engpässe.
- Flexibilität: Schnelle Reaktion auf wechselnde Marktbedingungen.
- Finanzielle Stabilität: Schafft Vertrauen bei Investoren und Kreditgebern.
Both Semakula and Poran agree that a diversified financing approach strengthens business resilience. In an age of uncertainty, SMEs should question their business models and find innovative ways to secure their liquidity in order to successfully master the challenges of the future.