FINCA DRC launched in 2003 while the Democratic Republic of the Congo (DRC) was still suffering from an armed conflict. During its early years the microfinance institution provided small loans to support small business development in the country. During the first three years of operation the institution exclusively operated in Kinshasa and provided village banking loans intended primarily to empower women entrepreneurs.

FINCA DRC steadily expanded to serve a growing Congolese market. In 2006 it began offering individual loans while expanding its operations to Matadi and Katanga regions. The institution now provides a large range of loan products in addition to savings accounts, debit card services, bill payments and money transfer services.

Now a leader in the country’s microfinance sector, FINCA DRC currently serves more than 300,000 clients through a network of 21 branches located in eight regions, more than 1,000 FINCA eXpress banking agents and an expanding mobile banking channel. FINCA eXpress launched in 2011 as a third-party service delivery model that enables clients to access financial services without traveling long distances to the nearest brick-and-mortar branch. In addition to dispensing financial services, FINCA eXpress agents are trained to provide financial literacy training.

CLICK, the institution’s mobile banking channel, launched in 2018 to increase access to branchless banking. Clients are able to use CLICK to manage their FINCA DRC accounts, transfer funds to other account holders and make payments.

FINCA DRC is noted for its unrivaled capacity to provide impactful financial services from various access points located across the country. The institution is fulfilling the FINCA Impact Finance purpose of profitably and responsibly providing innovative and impactful financial services to enable low-income individuals and communities to invest in their futures.

• Savings
• Small Group Loans
• Individual Loans
• Agent Banking
• Money Transfers
• Small and Medium Enterprise Loans
• Mobile Banking

FINCA DR Congo
1286 Ave Tombalbaye
Entrée: au coin Ave Colonel Ebeya–Ave Hopital
BP 13447, Kinshasa 1
+243 8155 58 554

FINCA Jordan launched in 2007 with its head office in Amman. The institution immediately set to work expanding financial inclusion around the country, opening branches in the Al-Hussein and Hitten districts of Amman in 2008. From the beginning, FINCA Jordan has put an emphasis on designing financial products and channels to meet the needs of women in the country.

In 2017, the institution reached a major milestone when it received a microfinance license from the Central Bank of Jordan, the first institution in the country to be licensed under new regulations introduced in 2016.

Now going by the name FINCA Microfinance Jordan, it serves more than 30,000 clients through a network of nine branches and six sub-branches located throughout the country and through growing digital channels. It has a gross loan portfolio of nearly $33 million. The institution offers a range of responsible financial services specializing in individual, group and business loans.

Female clients make up more than 92% of the client base in a country where the average woman is nearly twice as likely than a man to be unbanked. FINCA Jordan reaches many women clients through its Women’s Solidarity Loan, a credit product designed to provide crucial seed capital to women entrepreneurs. It also provides a space for women to come together and share experiences and opportunities—impacting individual women and contributing to a broader social transformation in the country.

FINCA Microfinance Jordan has earned a strong reputation in the country because of its commitment to the well-being of its clients. The institution embodies the FINCA Impact Finance purpose of providing innovative and impactful financial services to enable individuals and communities to invest in their futures.

In 2020, FINCA Microfinance Jordan receive SMART certification, in recognition of its long-standing commitment to robust client protection principles.

• Individual Loans
• Consumer Loans
• Small Group Loans
• Women Entrepreneur Loans
• Small and Medium Enterprise Loans

FINCA Jordan
Office No. 22 & 23 | 4th floor
Durret Khalda Complex No. 324
Khalda | Amman | Jordan
P.O.Box 1559
Amman 11821 Jordan
+962-6-5373070/1

FINCA Kosovo launched in February 2000, less than a year after the end of an armed conflict that cost thousands of lives and displaced more than one million people. With support from USAID, the microfinance institution opened its doors to advance the mission of expanding financial inclusion to help individuals, families and communities recover from the war.

Adapting to the needs of a growing market, FINCA Kosovo expanded its initial offering of agriculture and small business loans to provide a full range of loan products. The institution now offers women entrepreneur loans, home improvement loans, vehicle registration loans and life improvement loans. It currently serves over 20,000 clients from a network of 27 branches and expanding digital banking channels.

In order to increase its reach and better serve its clients, the institution has taken steps to digitize its offering of financial products and services. It launched its Online Loan Application (OLA) system in 2012, an innovation which allows clients to apply for loans using a smartphone, computer or tablet. Clients can also receive support from the organization’s Contact Center. FINCA Kosovo was the first FINCA Impact Finance subsidiary to launch Digital Field Automation (DFA), which utilizes cloud-based tablet software to quickly review loan applications and disburse funds. In 2018, the institution launched Centralized Credit Underwriting to enable faster, more accurate and more efficient credit decisioning.

In addition to providing responsible financial products and services, the institution promotes financial and commercial literacy. It operates a wide-ranging training program aimed at ensuring clients and the wider public have the knowledge and skills needed to make informed financial decisions and effectively manage their businesses.

In 2016 FINCA Kosovo received Smart Certification for its long-standing and sustained commitment to upholding the Smart Campaign’s seven Client Protection Principles for responsible banking, which include: appropriate product design and delivery; prevention of over-indebtedness; transparency; responsible pricing; fair and respectful treatment of clients; privacy of client data; and mechanisms for complaint resolution.

• Individual Loans
• Consumer Loans
• Home Improvement Loans
• Agricultural Loans
• Women Entrepreneur Loans
• Online Loan Application
• Life Improvement Loans

FINCA Malawi launched in 1994 in Chiradzulu. From the beginning, the institution focused on supporting small business development through the village banking model. The institution continued to grow, developing individual loans, savings and insurance products designed for the needs of the domestic market.

FINCA Malawi became a fully-licensed microfinance institution in 2010 and first started accepting deposits in 2016—the first MFI in the country to do so. With its headquarters now in Blantyre, the institution serves clients throughout the country through branches and branchless banking channels.

The diversity of its delivery channels allows FINCA Malawi to expand financial inclusion to those who need it most. The institution currently serves more than 70,000 clients through a network of 23 branches and banking agents and through an expanding mobile channel. Agency and mobile banking now account for the vast majority of the institution’s total transactions.

FINCA Malawi launched agency banking in 2017 with FINCA eXpress, a third-party service delivery model. FINCA eXpress agents are located where clients live and work, allowing them to access finance without traveling to a branch. In addition to providing financial services, FINCA eXpress agents are trained to deliver financial literacy training.

In 2018, the institution expanded its digital offering with the launch of FINCA Mobile. The service allows clients to access their accounts, transfer funds, pay bills and purchase mobile airtime—accessible by both smartphone app and USSD short code.

FINCA Malawi is a leader in the microfinance market for its capacity to reach people with impactful financial services. The institution is fulfilling the FINCA Impact Finance purpose of profitably and responsibly providing innovative and impactful financial services to enable low-income individuals and communities to invest in their futures.

• Individual Loans
• Small Group Loans
• Village Bank Loans
• Savings
• Insurance
• Small and Medium Enterprise Loans

FINCA Limited
Henderson Street
Private Bag 382
Blantyre, Malawi
+265 (0)-1-824-544

FINCA Nigeria launched in 2014 with its headquarters in Imo State. From the beginning, the microfinance institution focused on providing loans to support small business development in the country, especially in the agriculture sector. It also launched group and individual loan products and savings accounts during its first year of operation.

FINCA Nigeria has steadily evolved to serve the needs of a growing national market. It expanded from its base in Imo State to new operations in Orlu and Mbaise and now has clients throughout Nigeria. The institution currently offers a range of credit and savings products—in addition to credit and savings products, it now provides money transfers and micro-insurance.

Diverse delivery channels allow FINCA Nigeria to expand financial inclusion to those who need it most. The institution currently serves more than 28,000 clients through a network of five branches and one sales office and through expanding agent banking and mobile banking networks.

FINCA Nigeria launched agency banking in 2016 through FINCA eXpress, a third-party service delivery model. FINCA eXpress agents are located where clients live and work, enabling them to access financial services without traveling long distances to the nearest branch. In addition to dispensing financial services, FINCA eXpress agents are trained to provide financial literacy training.

In 2019 the institution is implementing a mobile banking solution to reach more people with responsible finance. The solution is being developed for both USSD and app-based mobile users.

FINCA Nigeria is noted for its unrivaled capacity to provide impactful financial services from access points throughout Nigeria. The institution is fulfilling the FINCA Impact Finance purpose of profitably and responsibly providing innovative and impactful financial services to enable low-income individuals and communities to invest in their futures.

Meet Omang Oto, FINCA Nigeria client

• Small Group Loans
• Individual Loans
• Agriculture Loans
• Insurance
• Savings
• Agent Banking
• Mobile Banking
• Money Transfers

FINCA Microfinance Bank Limited
20 Wetheral Road
Owerri, Imo State

+234 701 777 1072

FINCA Microfinance Bank Limited first launched in 2008 as “Kashf Microfinance Bank”, providing microfinance services from 13 branches in Pakistan. Founded on the principle that all people should have access to financial services, the bank set about providing microcredit to low-income borrowers with no collateral requirements—providing entrepreneurs with capital to expand their businesses. The bank also provided convenient deposit services, offering competitive interest rates to both individual and corporate depositors.

FINCA acquired the organization in 2013, using its wealth of experience and robust business operations to spur growth. Now part of the FINCA Impact Finance global network, FINCA Microfinance Bank Limited is licensed and regulated by the State Bank of Pakistan and has a loan portfolio of more than PKR 19 billion and holds deposits of roughly PKR 21 billion. The bank’s loan portfolio has grown at a rate of 64% over the past five years, with growth driven by a range of products and services, including individual loans for both low income and higher-volume borrowers. Clients are spread across economic sectors such as agriculture, livestock, trade and services.

The bank now serves more than 850,000 clients through a network of branches (120 branches in 108 cities) and ATMs (more than 14,000 across the country) as well as through digital banking channels (debit cards, mobile e-wallets and online banking).

In 2017, FINCA Microfinance Bank Limited became the first microfinance bank in Pakistan to receive SMART certification, a recognition of its long-standing commitment to robust client protection principles. The company’s loans have created an estimated 150,000 new jobs and helped sustain the living standards of roughly two million households across Pakistan.

• Savings
• Individual Loans
• Agricultural Loans
• Remittances
• Small and Medium Enterprise Loans
• Mobile Banking
• Money Transfers

FINCA Pakistan
36-B, Khayaban-e-Iqbal
XX Block, DHA Phase-III
Lahore, Pakistan
+92-42-35222852-3

FINCA MICROFINANCE BANK formed its first Village Bank in Mwanza in 1998, bringing its model of group lending to Tanzania. In the years since, over a million customers have gained access to responsible financial products including credit, savings and money transfers.

In January 2013, FINCA Microfinance Bank began offering savings products to the public. This followed a historical event where FINCA became the first MFI to be granted a license by the Bank of Tanzania, allowing the institution to accept deposits from the public and to carry out banking services as a microfinance institution. The issuance of a license by the Central Bank was an important step toward financial inclusion in the country as it helped to bring tens of thousands of Tanzanians, mainly from rural areas, into the formal banking sector.

Today, the breadth and reach of our responsible financial services continues to grow and evolve to meet new needs and new opportunities. FINCA Microfinance Bank has gone beyond traditional microfinance by leveraging the power of new technology, such as mobile phones and agent banking, to make banking more affordable and accessible. 56% of FINCA’s customers now transact through one of the 140 agents and 23% transact via mobile financial services. FINCA Microfinance Bank is the only bank that offers an opportunity for customer to open a Savings Account within five minutes using special tablets through the Bank’s remarkable innovation known as Digital Field Automation (DFA).

As we look towards the future, FINCA Microfinance Bank will continue to improve our services. We are re-engineering and streamlining our credit and customer service processes to lower costs and to make it easier for clients to do business with us. We are fostering a culture of innovation, where all employees are encouraged to lead change.

FINCA believes that the future of expanding access to responsible financial services lies in both technological innovations and delivering an exceptional customer experience.

• Village Bank Loans
• Small Group Loans
• Individual Loans
• Youth / Education Loans
• Savings
• Insurance
• Agent Banking
• Mobile Banking

FINCA Microfinance Bank
Morogoro Road, Magomeni Mwembechai
P.O Box 78783 – Dar Es Salaam

+255 (22) 2172452/3

FINCA Uganda launched in 1992 to support small business development through the village banking model. Primarily serving rural communities, clients were able to obtain credit to expand their businesses through membership in a credit group.

Adapting to the needs of a growing market, FINCA Uganda has continued to expand and improve its offering. It became licensed to take deposits in 2004, the first microfinance organization in Uganda to do so. Also in 2004, the organization launched individual lending and by 2018 individual borrowers accounted for nearly half of its total loan portfolio.

FINCA Uganda now has a loan portfolio of roughly USD 27 million and total deposits of more than USD 20 million. It offers a wide range of products and services. Clients can choose from loan products including village banking, business, agriculture, solar and education loans. The institution also offers savings products for businesses and individuals that allow depositors to earn high interest rates. Moreover, FINCA Uganda clients benefit from money transfer services and 24/7 access to funds via the FINCA Access card, which is accepted at more than 500 ATM locations around the country.

FINCA Uganda now serves nearly 100,000 clients from a network of 27 branches located in various regions and from branchless channels including mobile banking and ATM machines. The institution’s vast geographic reach means clients can conduct their banking without having to travel long distances. In 2016 FINCA Uganda further digitized its operations by launching credit scoring, a method of analyzing loan applications that enables faster loan processing times and more efficient outcomes for clients.

Throughout 25 years of operations, FINCA Uganda has fulfilled the FINCA Impact Finance purpose of profitably and responsibly providing innovative and impactful financial services to enable low-income individuals and communities to invest in their futures.

• Savings
• Individual Loans
• Village Bank Loans
• Youth / Education Loan
• Renewable Energy Loans
• Agriculture Loan
• Remittances
• Insurance
• Small and Medium Enterprise Loans

FINCA Uganda
Plot 11 A, Acacia Avenue, Kololo
Post Office Box 24450
Kampala, Uganda
+256 312227800

FINCA first opened its doors in Zambia in 2001. Since launching a single office offering village banking loans in Lusaka, FINCA Zambia has grown into a full-fledged microfinance institution (MFI) serving more than 17,000 clients with financial services including credit, savings, payments and money transfers. FINCA Zambia is composed of 14 branches spanning Lusaka and the Central, Southern, Eastern and Copperbelt provinces.

FINCA Zambia is committed to expanding access to responsible financial services for micro-, medium- and small-scale entrepreneurs. Our products are tailored to the needs and aspirations of our customers, following from our customer-centric approach to product and service development.

In addition to traditional banking services, financial education is key to our product and service offering. In 2012, the Bank of Zambia issued FINCA Zambia a license to take deposits. This milestone allowed us to extend our reach and become a one-stop banking solution.

Our clients can now manage savings, credit, payments and remittances all in one place. In 2015, we became the first MFI in Zambia to venture into agent banking when we launched “FINCA Express”, our third-party agent-banking model.

Today, FINCA Zambia offers agent banking from 70 locations across the country. We now process more than 70% of our client transactions via FINCA Express. Our banking agents use biometric identification at the point-of-sale, another first in Zambia that makes banking both more convenient and more secure.

This innovation allows customers to bank closer to their businesses and homes—eliminating the need to travel long distances to visit a brick-and-mortar bank branch. FINCA Zambia is focused on digital innovation, strategic partnerships and trust-based customer relationships as the key pillars of our future success.

• Village Bank Loans
• Small Group Loans
• Individual Loans
• Savings
• Insurance
• Small and Medium Enterprise Loans

Plot No. 609 Zambezi Road, Roma
2nd Floor, Suite 201-210, Foxdale Court,
P.O Box 50061 Ridgeway, Lusaka

+260 966 200 580

FINCA Impact Finance’s network of 16 community-based microfinance institutions and banks offer innovative, responsible and impactful financial services to increasingly large numbers of low-income clients.

1201 15th Street, NW, 8th Floor
Washington, DC 20005
+1 (202) 682-1510
info@FINCAImpact.com

Vazha-Pshavela Ave. 71, 0186, Tbilisi, Georgia
3rd floor, office 17 and office 20

Calzada Roosevelt 22-43 zona 11, Edificio Tikal Futura, Nivel 19
Oficina 19 D Torre Luna
Guatemala, Guatemala 01011

De entree 99-197, 1101 HE
Amsterdam, The Netherlands