Responsible Finance

At FINCA, our customers are at the center of everything we do.

Our main focus is on income-generating microenterprises and small businesses, and we have strict policies to help ensure that clients do not become over-indebted and are treated fairly and ethically. It’s part of FINCA’s heritage and mission.

This commitment is more important than ever with the rapid rise of digital services. Responsibility toward our clients is our top priority, whether clients find us near their farms or on their phones. This is why FINCA is rapidly building capacity to use fingerprint scans to protect client accounts, mobile banking to empower clients to bank at their convenience and agent banking to offer services in more locations and communities.

Our commitment to clients extends to a commitment to offer education along with our products and services. Globally, 66% of adults, or approximately 3.5 billion people, are financially illiterate. This means that they are at risk of exploitation. FINCA Kyrgyzstan is one of several subsidiaries working to address this among their clients and the general public. Staff are teaching clients how to efficiently manage financial resources, how to keep track of household expenses and the importance of savings. Over the past three years, FINCA Kyrgyzstan has reached more than 20,000 banked and unbanked people with in-person trainings, workshops, textbooks and publications on financial concepts.

FINCA Kyrgyzstan Financial Literacy Program

FINCA is a founding member of the Smart Campaign, a global initiative promoting the adoption of client protection standards in the microfinance industry.



FINCA Microfinance Bank Pakistan Awarded Smart Certification for Client Protection

FINCA Microfinance Bank in Pakistan joins FINCA Impact Finance subsidiaries in Kyrgyzstan, Azerbaijan, Georgia and Kosovo in receiving Smart Campaign Certification.
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| May 8, 2017
FINCA Kosovo Smart Certified

FINCA Kosovo Awarded Smart Certification for Client Protection

FINCA Kosovo, the country’s largest microfinance organization, announced it received the Client Protection Certification by Smart Campaign.
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| January 17, 2017
FINCA Georgia Smart Certified

FINCA Bank Georgia Receives Smart Certification for Client Protection

FINCA Bank Georgia received Client Protection Certification by the Smart Campaign, in recognition of high ethical standards in the treatment of its clients.
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| April 20, 2016

FINCA Azerbaijan Receives Smart Certification for Client Protection

FINCA Azerbaijan received Client Protection Certification by the Smart Campaign. This global initiative certifies the adoption of high ethical standards in the treatment of clients in the microfinance industry.
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| August 27, 2015
FINCA Kyrgyzstan Smart Certified

FINCA Kyrgyzstan Receives Smart Certification for Client Protection

FINCA Kyrgyzstan is the first FINCA subsidiary to receive the SMART certification. Through this achievement FINCA joins an exclusive group of 28 certified financial institutions worldwide.
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| December 14, 2014