FINCA Afghanistan launched in 2003 to help the country recover from war and political instability. The institution disbursed its first loans in Herat Province through the group lending model. In 2007, FINCA Afghanistan opened its first branch in Kabul. It disbursed its first individual loans in 2011 and now offers a range of individual loan products while continuing to serve credit groups.

FINCA Afghanistan now serves more than 25,000 clients through a network of 21 branches and growing digital channels. It has a gross loan portfolio of nearly $16 million, making it the second-largest microfinance institution (MFI) in the country.

The institution offers a range of responsible financial services including small- and medium-enterprise (SME) loans, agriculture loans and Sharia-compliant loans, including the Women Murabah Group loan, which finances business activity by women. FINCA Afghanistan was the first MFI in the country to offer Sharia-compliant loan products.

Female clients make up nearly 60% of the client base in a country where only 7% of adult women have a bank account. In March 2018, FINCA Afghanistan opened its Women Special Branch where an all-women clientele is served by an all-women staff. The branch has contributed to financial inclusion by reaching out to women on their terms and creating a space for women entrepreneurs to share experiences and opportunities.

In July 2018, FINCA Afghanistan officially launched digital field automation (DFA), a paperless process that allows clients to open an account or apply for a loan in less than 30 minutes. By equipping customer relationship officers (CROs) with tablets that transmit client data electronically, DFA has led to greater efficiency and speed in serving clients.

Throughout its 14 years of operation FINCA Afghanistan has demonstrated a commitment to serving the people most in need of financial inclusion. In addition to credit, clients receive training on how to manage their finances and grow their businesses. Moreover, the institution’s innovative approach has brought greater efficiency and allowed the institution to reach more people in more regions of the country.

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

FINCA Afghanistan
Kabul, Afghanistan

Hotline

+93 (0) 752-075-019

FINCA Armenia was founded in 1999 as a non-profit organization dedicated to providing financial services to low-income entrepreneurs. Operating from an office in Yerevan with an efficient team of dedicated employees, FINCA Armenia provided small loans to farmers and small business owners. In the years since, the bank has continued to grow while delivering a double bottom-line of commercial profitability and positive social impact.

Adapting to the needs of a growing market, FINCA Armenia has expanded on its initial offering of agriculture and small business loans to provide a range of credit products, including loans for solar energy solutions and car insurance. FINCA Armenia’s loan products are noted for the speed and simplicity of approval as well as transparency and personalized and flexible repayment terms.

In 2006, the Central Bank of Armenia registered and licensed the institution as FINCA Universal Credit Organization Armenia, marking its entry into the for-profit financial services market. In 2018, in accordance with FINCA Impact Finance’s digital transformation strategy, FINCA Armenia began taking active steps to digitize its offering of financial products and services. The institution launched an Online Loan Application (OLA) system enabling clients to apply for loans using a smartphone, computer or tablet, all without visiting a branch.

FINCA Armenia now serves more than 35,000 clients through both digital and traditional banking channels: a network of 38 branches located throughout the country and through its emerging OLA system.

FINCA Armenia has established a leading position in the Armenian market by delivering an unmatched customer experience (CX), integrating digital technologies into its offering while building and maintaining trust-based relationships with clients. Public opinion polls conducted by Gallup International recognized FINCA Armenia as “The Best Credit Organization in Armenia” each year from 2013 to 2016.

• Individual Loans
• Agricultural Loans
• Insurance
• Small and Medium Enterprise Loans
• Solar Loans
• Online Loan Application

FINCA UCO CJSC
Armenia, Yerevan, 0023
2a, Agatangeghos Str.
+374 (010) 54-55-31
Hot Line: 85 75

FINCA Azerbaijan LLC is the leading non-bank microfinance institution in Azerbaijan, operating in the country since 1998 under NBCO license from the Central Bank of Azerbaijan/Financial Markets Supervisory Authority.  FINCA Azerbaijan provides financial services to small business entrepreneurs through it’s broad network of branches across the country, with a special focus on rural and agricultural loans.

• Individual Loans

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 Ecuador was founded in 1993 as a non-profit organization devoted to providing financial services to low-income entrepreneurs. In its early days the bank focused on supporting rural entrepreneurs, providing group loans through the village banking model. Since then, it has expanded to offer a greater range of services while delivering a double bottom line of profitability and positive social impact.

In 2008, the organization became Banco FINCA Ecuador, a full-service bank regulated by the government of Ecuador and authorized to accept deposits. Adapting to the needs of a growing market, FINCA Ecuador now provides individual and group loans as well as savings products and money transfers. The bank currently has a loan portfolio of more than USD 64 million and holds total deposits of roughly USD 45 million.

Banco FINCA Ecuador new serves more than 47,000 clients through 12 branches, a network of banking agents located throughout the country and expanding digital channels. The bank uses its diverse delivery channels to expand financial inclusion to those sections of society that need it most.
More than two-thirds of Banco FINCA Ecuador clients live in rural areas, and roughly 60 percent of borrowers are women. While the bank has evolved over the years, it has continued to serve rural families and communities through group loans, which currently make up more than half the bank’s total loan portfolio.

In April 2018, Banco FINCA Ecuador became the first bank in the country to receive SMART certification, a recognition of its long-standing commitment to robust client protection principles.

• Village Banking Loans
• Small Group Loans
• Individual Loans
• Savings
• Insurance
• Money Transfers
• Agent Banking

Banco FINCA Ecuador
Avenida Amazonas N39 123 y José Arízaga
Ed. Amazonas Plaza Piso 9

+593 2 2461 660

FINCA Georgia began operating in 1998 as a microfinance institution offering financial services to small- and medium-sized business owners. Operating under the slogan “Small Loans Big Changes,” FINCA Georgia opened its first branch in Tbilisi, serving primarily women clients and their families with group loans.

In 2015, FINCA Georgia became FINCA Bank Georgia, a full-service commercial bank. One of 20 banks and microfinance institutions making up FINCA Impact Finance’s global network, it now serves more than 100,000 clients through a network of 36 branches located in all regions of the country; a 24/7 call center; and expanding mobile banking and online banking channels.

FINCA Bank Georgia has been able to evolve to improve efficiency and better serve its customers due to its commitment to continuous innovation. The bank partners with third-party service providers to improve its offering of financial products and services.

It also performs cutting-edge internal research to better understand and meet the needs of its clients. These features have helped the bank maintain a leading position in the Georgian financial sector.

FINCA Bank Georgia delivers a positive social impact by bringing financial inclusion to those who need it most. Seventy-nine percent of the bank’s clients live in rural areas where access to responsible and convenient financial services is restricted by logistical factors. Over 80,000 people earn their livelihoods from businesses financed by FINCA Bank Georgia.

The bank delivers value to the clients, families and communities it serves by: acting as a local, trusted banking partner in communities throughout Georgia; reaching historically-underserved groups in both urban and rural areas; providing opportunities for entrepreneurs to improve their lives and their communities; and reaching increasing numbers of people through digital channels such as mobile and online banking.

• Individual Loans
• Consumer Loans
• Agriculture Loans
• Flexible Credit Products
• Deposits
• Remittances
• Small and Medium Enterprise Loans
• Online Banking

Telephone
+995 32 207410
+995 32 207411|
+995 32 207412

• Village Bank Loans
• Individual Loans
• Flexible Credit Products
• Remittances
• Insurance
• Small and Medium Enterprise Loans

FINCA Guatemala
3ra Ave. 10-35 zona 9
(+502) 2225-9494

FINCA Haiti S.A. reaches more than 45,000 customers and is one of FINCA’s longest-running operations. In 2017, FINCA began issuing loans via mobile, the first microfinance institution to do this in the country.  Traditional bricks-and-mortar branch banking, which FINCA has offered in Haiti for years, has long presented major physical and logistical limits to lending to Haitians, who mostly live in geographically dispersed, rural communities.  In partnership with Digicel, the largest mobile network operator in Haiti, FINCA can now enable a fast-growing number of Haitians to borrow up to the equivalent of a few hundred dollars using rapid, fully digital transfers through their mobile phone accounts.

• Village Bank Loans
• Individual Loans
• Agriculture Loans
• Remittances
• Mobile Banking
• Small and Medium Enterprise Loans

Finca Haiti

26, Rue Métellus
Pétionville, Port-au-Prince
Haiti

Founded in 1989, Financiera FINCA Honduras is a non-banking financial institution licensed to accept savings deposits. It serves both rural and urban areas of the country through 21 branches. FINCA Honduras offers Village Banking, local currency loans, individual, small group, and agricultural loans, voluntary savings products for adults and children, as well as money transfers services and insurance.

• Village Bank Loans
• Small Group Loans
• Individual Loans
• Consumer Loan
• Renewable Energy Loans
• Agriculture Loans
• Home Improvement Loans
• Small and Medium Enterprise Loans
• Savings
• Remittances
• Insurance

Financiera FINCA Honduras
Col. Tepeyac, Ave. Las Minitas
Edificio Discovery, 11101
Tegucigalpa, Honduras
+504 2235-8191

FINCA Kyrgyzstan launched in 1995 as a microfinance institution dedicated to promoting small business development, primarily serving women borrowers through the group lending model. The institution’s first credit group was formed in Chui province.

Adapting to the needs of a growing market, FINCA Kyrgyzstan expanded its offering, disbursing its first individual loans in 1998. While the organization continues to provide
group loans, the vast majority of borrowers now access individual loans.

FINCA Kyrgyzstan became FINCA Bank Kyrgyzstan in 2015, a fully-licensed bank authorized to accept client deposits. Continuing to expand its offering of financial products and services, the bank now offers money transfer services and savings products in addition to a wide range of group and individual loans. FINCA Bank Kyrgyzstan now has a gross loan
portfolio of roughly USD 95 million and holds total deposits of roughly USD 45 million.

FINCA Bank Kyrgyzstan serves more than 100,000 clients through both traditional and digital channels: a network of 70 branches located throughout the country; expanding mobile and online banking channels; cash-in terminals located in numerous locations; and digital payments. The bank’s vast geographic reach and expanding digital channels allows clients to conduct their banking without having to travel long distances. In addition to providing responsible financial products and services, FINCA Bank Kyrgyzstan provides
financial literacy training activities to ensure that individuals, families and communities throughout the country have the knowledge to make sound financial decisions.

In 2014 the bank received Smart Certification for its long-standing and sustained commitment to upholding the Smart Campaign’s seven client protection principles for responsible
banking.

• Individual Loans
• Small Group Loans
• Renewable Energy Loans
• Agriculture Loans
• Small and Medium Enterprise Loans
• Savings
• Remittances
• Home Improvement Loan
• Online Banking
• Mobile Banking
• Cash-In Terminals
• POS Payments

CJSC “FINCA Bank”
93/2 Shopokov Street
Bishkek, 720021
Kyrgyz Republic
+996-312-440-440

FINCA Tajikistan was founded in 2003 as a non-profit organization devoted to expanding financial inclusion to low-income entrepreneurs. Operated by a team of dedicated employees, FINCA Tajikistan first specialized in providing agricultural loans to rural borrowers. Since then, the microfinance institution has continued to develop innovative financial products and services while delivering a double bottom line of profitability and positive social impact. The institution now serves Dushanbe as well as the northern and southern regions of the country.

To adapt to the needs of a growing market, in 2011 FINCA Tajikistan expanded its offering to include SME loans, individual loans, money transfers and savings products. The institution now features a loan portfolio of more than USD 14.6 million and an average loan size of USD 588.

FINCA Tajikistan currently provides responsible finance to more than 30,000 clients through a network of 32 branches and sub-branches located throughout the country and via expanding digital channels. FINCA Tajikistan uses its diverse delivery channels to expand financial inclusion to individuals, families and communities that need it most. More than two-thirds of FINCA Tajikistan clients live in rural areas.The institution employs Digital Field Automation (DFA), a tablet-based tool that allows client relationship officers to visit clients and process loan applications in the field.

FINCA Tajikistan has become a leader in the microfinance sector in Tajikistan by fulfilling the FINCA Impact Finance purpose of being an unconventional, community-based financial institution that profitably and responsibly provides innovative and impactful financial services to enable low-income individuals and communities to invest in their futures.

• Individual Loans
• Small and Medium Enterprise Loans
• Agricultural Loans
• Savings
• Cash-In Terminals
• Money Transfers

FINCA Tajikistan
9, Jabbor Rasulov Street
Dushanbe, Tajikistan 734060
+992 44 600 23 23