Measuring Our Impact
Financial Inclusion
FINCA works to catalyze financial inclusion and economic growth for the poor. In the countries where we operate, nearly three-quarters of adults lack access to even a basic account. Financial exclusion is worse in the Middle East and South Asia (MESA) region, followed by Africa and Latin America. For those fortunate to have at least some access, the services are often limited and expensive, especially for low-income customers.
FINCA is committed to closing these gaps, especially among those who face the steepest barriers: women, the poor, and people in rural areas. Our female outreach is strongest in Latin America, followed by Africa. Eurasia stands out for its outreach to rural customers, who make up nearly two-thirds of FINCA.
Financial Inclusion Data
Global
Global 
Africa 
Eurasia 
Latin America 
MESA 
Africa Eurasia Latin America MESA Africa
All Africa DRC 
Malawi 
Nigeria 
Tanzania 
Uganda 
Zambia 
DRC Malawi Nigeria Tanzania Uganda Zambia Eurasia
All Eurasia Armenia 
Azerbaijan 
Georgia 
Kosovo 
Kyrgyzstan 
Tajikistan 
Armenia Azerbaijan Georgia Kosovo Kyrgyzstan Tajikistan Latin America
All Latin America Ecuador 
Guatemala 
Haiti 
Honduras 
Nicaragua 
Ecuador Guatemala Haiti Honduras Nicaragua MESA
All MESA Afghanistan 
Jordan 
Pakistan 
Afghanistan Jordan Pakistan 85% Adult population financially excluded
26,217 Total FINCA clients
26,217 Total FINCA borrowers
15,771 60% Female borrowers FINCA’s outreach to women in Afghanistan is remarkable, especially considering the limits on women's activities outside of the home. % #
262 1% Borrowers in rural areas Insecurity hinders FINCA's expansion outside of the main cities and towns. % #
70% Adult population financially excluded
797,567 Total FINCA clients In Africa, savers outnumber borrowers by more than 4 to 1. FINCA subsidiaries in this region use non-traditional channels, such as mobile banking and rural agents, to mobilize small deposits in remote areas.
179,359 Total FINCA borrowers
95,450 53% Female borrowers The majority of female borrowers are the primary income-earners in their families. % #
21,580 50% Borrowers in rural areas Rural outreach is particularly striking in Tanzania and Uganda, where it reaches 75%. % #
55% Adult population financially excluded
35,694 Total FINCA clients
35,694 Total FINCA borrowers
12,565 35% Female borrowers % #
15,705 44% Borrowers in rural areas Poverty is high throughout Armenia, but it is particularly acute in the more rural areas. % #
71% Adult population financially excluded
3,747 Total FINCA clients
3,747 Total FINCA borrowers
950 25% Female borrowers % #
2,323 62% Borrowers in rural areas % #
85% Adult population financially excluded The rate of financial exclusion is higher than the regional average (70%).
274,089 Total FINCA clients FINCA DRC has more than 8 times as many savers as borrowers.
55,327 Total FINCA borrowers
27,254 49% Female borrowers % #
11,065 20% Borrowers in rural areas Efforts are underway to reach more rural areas, but they are hindered by instability and violence in the countryside. % #
49% Adult population financially excluded
48,491 Total FINCA clients
15,664 Total FINCA borrowers
9,218 59% Female borrowers Like its peers in the region, FINCA Ecuador maintains a high level of outreach to women. % #
7,989 51% Borrowers in rural areas Along with Guatemala, FINCA Ecuador has a comparatively high rate of rural outreach. % #
58% Adult population financially excluded
323,676 Total FINCA clients Georgia and Kyrgyzstan provide full banking services and their client base includes small savers as well as borrowers.
201,750 Total FINCA borrowers
87,687 43% Female borrowers Kyrgyzstan has the highest female outreach in the region. % #
131,624 65% Borrowers in rural areas About two-thirds of our borrowers in Eurasia live in rural areas. % #
72% Adult population financially excluded
2,317,779 Total FINCA clients An increasing share of FINCA's customers are micro-savers. Financial inclusion means giving people a full range of services to build their future.
817,832 Total FINCA borrowers The outreach of our subsidiaries ranges from tens of thousands in places like Honduras and Jordan, to over 100,000 in Pakistan, Kyrgyzstan and DR-Congo.
360,565 44% Female borrowers Outreach to women is highest in Latin America and Africa. The results in Afghanistan are also striking, where over half of our borrowers are female. % #
103,792 40% Borrowers in rural areas Excludes Nigeria, Jordan and Haiti. Rural outreach is especially high in Eurasia, led by Kyrgyzstan. % #
39% Adult population financially excluded
112,528 Total FINCA clients
35,939 Total FINCA borrowers
16,632 46% Female borrowers % #
22,282 62% Borrowers in rural areas Rural people struggle with a lack of infrastructure and are facing increasing isolation as youth migrate to the cities in search of employment. % #
56% Adult population financially excluded
33,847 Total FINCA clients
33,847 Total FINCA borrowers
27,167 80% Female borrowers Second-highest in the world, right after FINCA Haiti. % #
17,939 53% Borrowers in rural areas Highest outside of Eurasia. % #
72% Adult population financially excluded
50,918 Total FINCA clients
50,918 Total FINCA borrowers
45,479 89% Female borrowers % #
20,367 40% Borrowers in rural areas % #
57% Adult population financially excluded
57,318 Total FINCA clients Honduras has more non-borrowing customers than any other subsidiary in the region.
26,120 Total FINCA borrowers
16,725 64% Female borrowers % #
8,358 32% Borrowers in rural areas % #
58% Adult population financially excluded
31,785 Total FINCA clients
32,730 Total FINCA borrowers
30,044 92% Female borrowers % #
13,092 40% Borrowers in rural areas % #
48% Adult population financially excluded
20,241 Total FINCA clients
20,241 Total FINCA borrowers
4,171 21% Female borrowers % #
5,870 29% Borrowers in rural areas % #
62% Adult population financially excluded
120,593 Total FINCA clients
81,429 Total FINCA borrowers
44,625 55% Female borrowers Female outreach in Kyrgyzstan is significantly higher than the region overall (40%). % #
68,400 84% Borrowers in rural areas Poverty in Kyrgyzstan is concentrated in rural areas, where 84% of FINCA’s clients reside. % #
59% Adult population financially excluded
206,864 Total FINCA clients
142,839 Total FINCA borrowers
108,840 76% Female borrowers % #
43,817 40% Borrowers in rural areas Rural outreach is especially high in Ecuador and Guatemala. % #
77% Adult population financially excluded
73,796 Total FINCA clients
36,589 Total FINCA borrowers
23,223 63% Female borrowers % #
20,490 56% Borrowers in rural areas % #
82% Adult population financially excluded
989,672 Total FINCA clients
293,884 Total FINCA borrowers
68,588 23% Female borrowers Women in the MESA region face significant cultural barriers to economic participation and financial inclusion. % #
36,227 16% Borrowers in rural areas % #
72% Adult population financially excluded
16,290 Total FINCA clients This number will increase with the launch of savings services for non-borrowing customers.
16,290 Total FINCA borrowers
10,251 63% Female borrowers FINCA Nicargua has one of the highest concentrations of female borrowers among our subsidiaries. % #
2,932 18% Borrowers in rural areas % #
61% Adult population financially excluded More than half of the adult population in Nigeria is financially excluded.
27,901 Total FINCA clients
4,804 Total FINCA borrowers
2,439 51% Female borrowers % #
82% Adult population financially excluded
931,670 Total FINCA clients FINCA Pakistan has more savers than any other subsidiary, and the highest ratio of savers to borrowers.
234,937 Total FINCA borrowers
22,773 10% Female borrowers % #
32,891 14% Borrowers in rural areas FINCA is in the midst of expanding its rural outreach, particularly through agricultural and livestock loans. % #
53% Adult population financially excluded
30,873 Total FINCA clients
24,700 Total FINCA borrowers
8,744 35% Female borrowers % #
17,043 69% Borrowers in rural areas Poverty is especially widespread in rural areas. % #
79% Adult population financially excluded
307,735 Total FINCA clients
47,275 Total FINCA borrowers
26,270 56% Female borrowers % #
35,456 75% Borrowers in rural areas % #
67% Adult population financially excluded
98,338 Total FINCA clients
26,673 Total FINCA borrowers
11,343 43% Female borrowers % #
20,005 75% Borrowers in rural areas % #
64% Adult population financially excluded The level of financial inclusion in Zambia is higher than in Africa overall, but is still low, at 31%.
15,708 Total FINCA clients
8,691 Total FINCA borrowers
4,921 57% Female borrowers % #
0 0% Borrowers in rural areas FINCA aims to increase its rural outreach through mobile and agency banking. % #
See All Afghanistan Data See All Africa Data See All Armenia Data See All Azerbaijan Data See All DRC Data See All Ecuador Data See All Eurasia Data See All FINCA Data See All Georgia Data See All Guatemala Data See All Haiti Data See All Honduras Data See All Jordan Data See All Kosovo Data See All Kyrgyzstan Data See All Latin America Data See All Malawi Data See All MESA Data See All Nicaragua Data See All Nigeria Data See All Pakistan Data See All Tajikistan Data See All Tanzania Data See All Uganda Data See All Zambia Data
