Finca International Inc

ALLEVIATE POVERTY BY HELPING PEOPLE BUILD ASSETS, CREATE JOBS AND RAISE THEIR STANDARD OF LIVING.

FINCA IMPACT FINANCE:NEARLY 1.7 BILLION ADULTS AROUND THE WORLD REMAIN FINANCIALLY EXCLUDED WITHOUT ACCESS TO USEFUL AND AFFORDABLE FINANCIAL PRODUCTS AND SERVICES DELIVERED IN A RESPONSIBLE AND SUSTAINABLE WAY. THE PREDOMINANT GROUP AMONG THE FINANCIALLY EXCLUDED IS COMPRISED BY UNEMPLOYED OR LOW-INCOME INDIVIDUALS GIVEN THE HIGH COSTS ASSOCIATED WITH TRADITIONAL BANKING. FOR FINCA INTERNATIONAL, THE ADVANCEMENT OF FINANCIAL INCLUSION IS OF PIVOTAL IMPORTANCE CONSIDERING THAT ACCESS TO BASIC FINANCIAL SERVICES CAN BRIDGE THE ECONOMIC GAP BETWEEN THE HAVES AND HAVE-NOTS. FURTHERMORE, IT CAN FOSTER ECONOMIC SUSTAINABILITY AND SELF-RELIANCE AMONG THE UNDERPRIVILEGED POPULATION. FINCA INTERNATIONAL FIRMLY BELIEVES IN ECONOMIC OPPORTUNITY AND JUSTICE FOR ALL AND THEREFORE IS COMMITTED TO PURSUE THE ADVANCEMENT OF FINANCIAL INCLUSION.FINCA INTERNATIONAL IS THE FOUNDER AND MAJORITY OWNER OF FINCA IMPACT FINANCE (FIF), A NETWORK OF 20 COMMUNITY-BASED MICRO-FINANCE INSTITUTIONS AND BANKS THAT AMPLIFIES FINANCIAL INCLUSION THROUGH INNOVATIVE, RESPONSIBLE, AND IMPACTFUL FINANCIAL SERVICES TO UNDERPRIVILEGED CLIENTS. SERVICES PROVIDED BY FIF INCLUDE: VILLAGE BANKING AND SMALL GROUP LOANS TARGETED TO LOW-INCOME MICRO-ENTREPRENEURS; INDIVIDUAL LOANS TO SUPPORT THE GROWTH OF SMALL BUSINESSES GROWTH AND JOB CREATION; LOANS WITH EXCLUSIVE REPAYMENT CONDITIONS FOR CLIENTS IN AGROBUSINESSES WHO ARE IN NEED OF PURCHASING SEEDS, FERTILIZER, LIVESTOCK AND EQUIPMENT; SAVINGS ACCOUNTS TO PROMOTE RELIEF AGAINST DIFFICULT TIMES; CREDIT, DISABILITY AND FUNERAL INSURANCE TO LESSEN FINANCIAL STRESS ASSOCIATED WITH MAJOR OR UNEXPECTED EXPENSES; MONEY TRANSFERS CARRIED OUT IN A SAFE AND AFFORDABLE WAY; AND, ENERGY LOANS TO PURCHASE OR LEASE CLEAN ELECTRICITY SYSTEMS OR PRODUCTS.FOR 2021, FIF REPORTED A TOTAL OF $852 MILLION IN LOANS DISBURSED, OVER 2,670,000 INDIVIDUALS SAVING ON A REGULAR BASIS ADDING UP TO $435 MILLION IN VOLUNTARY DEPOSITS, AND 39% OF CLIENTS WHO WERE WOMEN.FOR THAT SAME YEAR, FIF'S AFFILIATES AROUND THE WORLD REPORTED THE FOLLOWING NUMBERS OF CLIENTS OR BENEFICIARIES OF FINANCIAL PRODUCTS AND SERVICES:DRC: 369,494MALAWI: 162,299NIGERIA: 7,015TANZANIA: 427,078UGANDA: 123,146ZAMBIA: 21,544ARMENIA: 26,393 AZERBAIJAN: 19,220GEORGIA: 58,626KYRGYZSTAN: 196,682 TAJIKISTAN: 32,721ECUADOR: 51,617 GUATEMALA: 21,901HAITI: 60,457HONDURAS: 74,564NICARAGUA: 1,187AFGHANISTAN: 19,379JORDAN: 29,063 PAKISTAN: 1,327,315

FINCA PLUS:FOR OVER 30 YEARS, FINCA HAS DEMONSTRATED THAT ACCESS TO RESPONSIBLE FINANCE IS AN IMPORTANT TOOL FOR STRENGTHENING THE ECONOMIC SECURITY OF POOR AND LOW-INCOME FAMILIES. AT THE SAME TIME, FINCA HAS REALIZED THAT IT IS ESSENTIAL THAT ACCESS TO FINANCE CAN BE USED ON NON-FINANCIAL GOODS, SUCH AS CLEAN ENERGY PRODUCTS, WHICH ARE CRITICAL FOR IMPROVING A FAMILY'S HEALTH, WELLBEING AND INCREASING PRODUCTIVITY. FINCA PLUS LLC (D.B.A. IN UGANDA AS BRIGHTLIFE) IS A SOCIAL ENTERPRISE CREATED BY FINCA WHICH PAIRS ACCESS TO FINANCE WITH ACCESS TO ENERGY TO UNLOCK PRODUCTIVITY AND WELLBEING FOR THE POOR. BRIGHTLIFE PROVIDES LIFE-ENHANCING PRODUCTS SUCH AS SOLAR HOME SYSTEMS AND IMPROVED COOKSTOVES TO THE BOP MARKET AT AFFORDABLE RATES. AS IMPORTANTLY, AND ALIGNED WITH FINCA'S MICRO-LENDING ACTIVITIES, BRIGHTLIFE FINANCES THESE AFFORDABLE PRODUCTS UTILIZING PAYGO TECHNOLOGY, SO THAT INDIVIDUALS CAN ACCESS THESE LIFE-ENHANCING PRODUCTS THAT THEY MIGHT NOT OTHERWISE BE ABLE TO AFFORD.IN 2021, BRIGHTLIFE EMPLOYED 65 FULL-TIME EMPLOYEES IN UGANDA AND HAD A COMMISSION-BASED SALES DISTRIBUTION NETWORK OF APPROXIMATELY 200 AGENTS. BRIGHTLIFE SOLD 7,500 PRODUCTS OVER THE YEAR WHICH IMPROVED THE LIVES OF APPROXIMATELY 50,000 UGANDANS.

FINCA VENTURES: FINCA VENTURES INVESTS IN EARLY-STAGE COMPANIES THAT OFFER AFFORDABLE, HIGH-QUALITY AND LIFE-ENHANCING PRODUCTS AND SERVICES. AT PRESENT, FINCA VENTURES HAS INVESTMENTS IN HEALTH, FINTECH, AGRICULTURE, LIVELIHOODS, ENERGY, EDUCATION, WATER AND SANITATION. FINCA VENTURES PORTFOLIO COMPANIES DIRECTLY CONTRIBUTE TO 14 OF THE 17 SDGS. COMPLEMENTING OUR EFFORT TO ALIGN IMPACT GOALS TO THE SDGS, FINCA VENTURES ASSESSES PORTFOLIO COMPANIES ACROSS THREE DIMENSIONS OF IMPACT WHICH ARE SCALE, DEPTH AND THE TARGET POVERTY LEVEL OF END-CUSTOMERS. SCALE AND DEPTH OF IMPACT HAVE INHERENT TRADEOFFS. KEEPING THESE TRADEOFFS IN MIND, FINCA VENTURES SUPPORTS PORTFOLIO COMPANIES ACROSS THIS SPECTRUM AS IT SEEKS TO MAXIMIZE PRODUCT AND SERVICE TO INCREASE SOCIAL IMPACT. FINCA VENTURES SUPPORTED 18 PORTFOLIO COMPANIES THAT DELIVERED LIFE-ENHANCING PRODUCTS AND SERVICES IN 27 COUNTRIES GLOBALLY IN 2021.IGNITIA: 1,962,641 SMALLHOLDER FARMERS RECEIVED ACCESS TO LOCAL WEATHER FORECASTS IN WEST AFRICA.EAST AFRICA FRUITS: 5,004 SMALLHOLDER FARMERS CONNECTED TO 4,579 SMALL, INFORMAL VENDORS IN TANZANIA, ALLOWING FOR BOTH GROUPS TO IMPROVE THEIR INCOMES.GOOD NATURE AGRO: 27,923 SMALLHOLDER FARMERS (39 PERCENT OF WHOM ARE FEMALE) REACHED IN ZAMBIA AND MALAWI.MERIDIA: 123,549 HECTARES MAPPED AND 8,699 SMALLHOLDER FARMERS PROVIDED WITH LAND DOCUMENTATION SINCE INCEPTION IN GHANA, COTE D'IVOIRE AND INDONESIA.YYTZ: 1,037 SMALLHOLDER FARMERS (45 PERCENT OF WHOM ARE FEMALE) RECEIVED HIGHER CASHEW PRICES IN TANZANIA.IMALIPAY: 24,605 GIG ECONOMY WORKERS PROVIDED WITH ACCESS TO SAVINGS AND LOAN PRODUCTS IN KENYA AND NIGERIA.JEFA: 2,580 WOMEN RECEIVED ACCESS TO FINANCIAL LITERACY TRAINING IN MEXICO.KUUNDA: 12M DISBURSEMENTS, TOTALING $128M, TO 105K REGISTERED MOBILE MONEY AGENTS SINCE INCEPTION IN TANZANIA.KWARA: 51 SACCO / CREDIT UNION CLIENTS FULLY DIGITIZED SERVING 65,240 END USERS IN KENYA.MDAAS GLOBAL: 65,581 PATIENTS (64 PERCENT OF WHOM ARE FEMALE) GAINED AFFORDABLE DIAGNOSTIC SERVICES SINCE 2017 IN NIGERIA.SISU GLOBAL: 740 MANUAL AUTOTRANSFUSION CONSUMABLES SOLD THROUGH DISTRIBUTION PARTNERS IN EAST AFRICA TO BE USED IN SURGERIES TO RECYCLE A PATIENT'S OWN BLOOD.SANIVATION: 1,089 METRIC TONS OF FECAL SLUDGE CONVERTED TO FUEL SUBSTITUTES, SAVING 33,894 TREES IN KENYA.JIBU: 333M LITERS OF CLEAN WATER PROVIDED TO CUSTOMERS AND 3,108 JOBS SUPPORTED THROUGH 147 FRANCHISES SINCE 2014 IN EAST AFRICA.AMPED INNOVATION: 29,964 FAMILIES BENEFITED FROM 2,295 MWH OF CLEAN ENERGY IN EAST AND WEST AFRICA.ENEZA EDUCATION: OVER 11M QUIZZES TAKEN BY 1,199,979 ACTIVE LEARNERS IN KENYA.PENDA: 128,346 PATIENTS VISITED ONE OF 21 AFFORDABLE PRIMARY CARE CLINICS IN KENYA.NATURELOCK: 25.3 METRIC TONS OF FOOD WASTE SAVED FROM SOURCING FROM 800 SMALLHOLDER FARMERS IN KENYA.FLOATPAYS: 10,249 EMPLOYEES PROVIDED WITH EARLY WAGE ACCESS IN SOUTH AFRICA.