Disasters don't have to dictate a family's future.
We are challenging the traditional microfinance mindset. Instead of pulling back during times of crisis, we proactively step forward to keep families—and our microfinance institutions—strong.
For too long, the traditional financial sector has viewed refugee populations as "too risky" due to a lack of documented credit history or traditional collateral. We see things differently. We see resilience, drive, and untapped entrepreneurial potential.
Rather than turning away, we step in to provide critical financial inclusion products to those starting over in a new country.
In many of the remote areas where we operate, families live too far below the poverty line for traditional banks to reach them. Savings Groups fill this vital void, bringing financial security directly to the community level.
Climate change has drastically increased exposure to severe natural disasters and pest infestations, rendering traditional risk management less effective. One bad season can wipe out a farm and drive a family deeper into poverty.
By providing tailored agricultural finance and accessible insurance services, we help farmers confidently mitigate risk, protect their yields, and secure their livelihoods against an unpredictable climate.
For smallholder farmers, a single bad season can erase years of hard work. We are minimizing that risk. By pairing sound agricultural practices with robust insurance coverage, we provide the safety net farmers need to weather the storm and keep growing.
In the remote communities we serve, the loss of a breadwinner often leads to a cycle of debt and deepened poverty.
We embed life insurance directly into our loans. Our Microfinance Institutions (MFIs) cover the upfront premium, allowing clients to pay a small, manageable fee over the loan’s lifecycle.
Medical emergencies are a primary driver of global poverty. In rural communities, universal healthcare is an unimaginable luxury and without a safety net, a single injury or illness forces families to liquidate their businesses and take on crippling debt just to survive.
We refuse to let medical emergencies dictate our clients' economic survival.
Climate change waits for no one. When disaster strikes, families need support immediately—not months later. ClimaCash+ is a groundbreaking suite of parametric insurance products designed to trigger payouts based on objective, data-driven weather indicators.
The ClimaCash+ Suite: FloodCash, HeatCash, RainCash, DroughtCash.
How people see and interpret their world changes everything.
What they believe they are capable of; what they believe is feasible in their lives – this is the foundation we invest in first.
Capital creates an opportunity, but knowledge sustains it. Through our integrated training sessions, we equip clients with essential skills in budgeting, savings, and debt management so they can make informed, empowered decisions for their businesses.
For smallholder farmers, a single bad season can erase years of hard work. We are minimizing that risk. By pairing sound agricultural practices with robust insurance coverage, we provide the safety net farmers need to weather the storm and keep growing.
Farmer Managed Natural Regeneration (FMNR) empowers communities who are suffering from the effects of degraded land and climate change. Through FMNR, they regenerate trees on their land to improved soil fertility, more crops, better animal fodder, increased firewood availability, more income and a better quality of life.
