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
Kosovo
Kyrgyzstan
Tajikistan
Armenia
Azerbaijan
Kosovo
Kyrgyzstan
Tajikistan
Latin America
All Latin America
Guatemala
Haiti
Honduras
Guatemala
Haiti
Honduras
MESA
All MESA
Jordan
Pakistan
Jordan
Pakistan
67%
Adult population financially excluded
1,322,903
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.
178,392
Total FINCA borrowers
71,455
40%
Female borrowers
The majority of female borrowers are the primary income-earners in their families.
%
#
78,655
45%
Borrowers in rural areas
Rural outreach is particularly striking in Tanzania and Uganda, where it reaches 75%.
%
#
48%
Adult population financially excluded
21,240
Total FINCA clients
21,240
Total FINCA borrowers
7,730
36%
Female borrowers
%
#
9,346
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
25,517
Total FINCA clients
25,517
Total FINCA borrowers
5,340
21%
Female borrowers
%
#
15,821
62%
Borrowers in rural areas
%
#
85%
Adult population financially excluded
The rate of financial exclusion is higher than the regional average (70%).
328,946
Total FINCA clients
FINCA DRC has more than 8 times as many savers as borrowers.
58,594
Total FINCA borrowers
23,439
40%
Female borrowers
%
#
11,719
20%
Borrowers in rural areas
Efforts are underway to reach more rural areas, but they are hindered by instability and violence in the countryside.
%
#
62%
Adult population financially excluded
356,552
Total FINCA clients
Georgia and Kyrgyzstan provide full banking services and their client base includes small savers as well as borrowers.
178,960
Total FINCA borrowers
73,397
41%
Female borrowers
Kyrgyzstan has the highest female outreach in the region.
%
#
118,502
66%
Borrowers in rural areas
About two-thirds of our borrowers in Eurasia live in rural areas.
%
#
72%
Adult population financially excluded
3,260,142
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.
605,063
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.
243,437
40%
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.
%
#
260,600
43%
Borrowers in rural areas
Excludes Nigeria, Jordan and Haiti. Rural outreach is especially high in Eurasia, led by Kyrgyzstan.
%
#
56%
Adult population financially excluded
20,821
Total FINCA clients
20,821
Total FINCA borrowers
11,738
56%
Female borrowers
Second-highest in the world, right after FINCA Haiti.
%
#
11,035
53%
Borrowers in rural areas
Highest outside of Eurasia.
%
#
72%
Adult population financially excluded
38,419
Total FINCA clients
38,111
Total FINCA borrowers
33,791
89%
Female borrowers
%
#
15,244
40%
Borrowers in rural areas
%
#
66%
Adult population financially excluded
78,262
Total FINCA clients
Honduras has more non-borrowing customers than any other subsidiary in the region.
18,818
Total FINCA borrowers
11,121
59%
Female borrowers
%
#
6,022
32%
Borrowers in rural areas
%
#
57%
Adult population financially excluded
28,258
Total FINCA clients
28,258
Total FINCA borrowers
24,651
87%
Female borrowers
%
#
11,303
40%
Borrowers in rural areas
%
#
42%
Adult population financially excluded
25,147
Total FINCA clients
25,147
Total FINCA borrowers
6,578
26%
Female borrowers
%
#
7,293
29%
Borrowers in rural areas
%
#
59%
Adult population financially excluded
245,976
Total FINCA clients
81,165
Total FINCA borrowers
43,288
53%
Female borrowers
Female outreach in Kyrgyzstan is significantly higher than the region overall (40%).
%
#
68,179
84%
Borrowers in rural areas
Poverty in Kyrgyzstan is concentrated in rural areas, where 84% of FINCA’s clients reside.
%
#
64%
Adult population financially excluded
137,502
Total FINCA clients
77,750
Total FINCA borrowers
56,650
73%
Female borrowers
%
#
32,301
42%
Borrowers in rural areas
Rural outreach is especially high in Ecuador and Guatemala.
%
#
80%
Adult population financially excluded
172,121
Total FINCA clients
82,805
Total FINCA borrowers
33,980
41%
Female borrowers
%
#
46,371
56%
Borrowers in rural areas
%
#
83%
Adult population financially excluded
1,443,185
Total FINCA clients
169,961
Total FINCA borrowers
41,935
25%
Female borrowers
Women in the MESA region face significant cultural barriers to economic participation and financial inclusion.
%
#
31,142
18%
Borrowers in rural areas
%
#
55%
Adult population financially excluded
More than half of the adult population in Nigeria is financially excluded.
10,282
Total FINCA clients
3,342
Total FINCA borrowers
1,103
33%
Female borrowers
%
#
84%
Adult population financially excluded
1,414,927
Total FINCA clients
FINCA Pakistan has more savers than any other subsidiary, and the highest ratio of savers to borrowers.
141,703
Total FINCA borrowers
17,284
12%
Female borrowers
%
#
19,838
14%
Borrowers in rural areas
FINCA is in the midst of expanding its rural outreach, particularly through agricultural and livestock loans.
%
#
61%
Adult population financially excluded
38,672
Total FINCA clients
25,891
Total FINCA borrowers
10,461
40%
Female borrowers
%
#
17,865
69%
Borrowers in rural areas
Poverty is especially widespread in rural areas.
%
#
77%
Adult population financially excluded
651,331
Total FINCA clients
8,783
Total FINCA borrowers
2,135
24%
Female borrowers
%
#
6,587
75%
Borrowers in rural areas
%
#
63%
Adult population financially excluded
137,219
Total FINCA clients
18,637
Total FINCA borrowers
7,101
38%
Female borrowers
%
#
13,978
75%
Borrowers in rural areas
%
#
76%
Adult population financially excluded
The level of financial inclusion in Zambia is higher than in Africa overall, but is still low, at 31%.
23,004
Total FINCA clients
6,231
Total FINCA borrowers
3,697
59%
Female borrowers
%
#
0
0%
Borrowers in rural areas
FINCA aims to increase its rural outreach through mobile and agency banking.
%
#
See All Africa Data
See All Armenia Data
See All Azerbaijan Data
See All DRC Data
See All Eurasia Data
See All FINCA 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 Nigeria Data
See All Pakistan Data
See All Tajikistan Data
See All Tanzania Data
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See All Zambia Data
