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
28,776 Total FINCA clients
28,776 Total FINCA borrowers
16,266 57% Female borrowers FINCA’s outreach to women in Afghanistan is remarkable, especially considering the limits on women's activities outside of the home. % #
288 1% Borrowers in rural areas Insecurity hinders FINCA's expansion outside of the main cities and towns. % #
70% Adult population financially excluded
942,495 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.
190,243 Total FINCA borrowers
88,420 46% Female borrowers The majority of female borrowers are the primary income-earners in their families. % #
21,580 45% Borrowers in rural areas Rural outreach is particularly striking in Tanzania and Uganda, where it reaches 75%. % #
55% Adult population financially excluded
38,525 Total FINCA clients
38,525 Total FINCA borrowers
13,539 35% Female borrowers % #
16,951 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
14,312 Total FINCA clients
14,312 Total FINCA borrowers
2,888 20% Female borrowers % #
8,873 62% Borrowers in rural areas % #
85% Adult population financially excluded The rate of financial exclusion is higher than the regional average (70%).
357,540 Total FINCA clients FINCA DRC has more than 8 times as many savers as borrowers.
73,518 Total FINCA borrowers
27,057 37% Female borrowers % #
14,704 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
44,250 Total FINCA clients
14,279 Total FINCA borrowers
7,722 54% Female borrowers Like its peers in the region, FINCA Ecuador maintains a high level of outreach to women. % #
7,282 51% Borrowers in rural areas Along with Guatemala, FINCA Ecuador has a comparatively high rate of rural outreach. % #
58% Adult population financially excluded
318,232 Total FINCA clients Georgia and Kyrgyzstan provide full banking services and their client base includes small savers as well as borrowers.
214,910 Total FINCA borrowers
90,281 42% Female borrowers Kyrgyzstan has the highest female outreach in the region. % #
138,641 65% Borrowers in rural areas About two-thirds of our borrowers in Eurasia live in rural areas. % #
72% Adult population financially excluded
2,669,933 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.
853,888 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.
350,907 41% 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 39% Borrowers in rural areas Excludes Nigeria, Jordan and Haiti. Rural outreach is especially high in Eurasia, led by Kyrgyzstan. % #
39% Adult population financially excluded
65,841 Total FINCA clients
33,651 Total FINCA borrowers
15,299 45% Female borrowers % #
20,864 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
41,380 Total FINCA clients
41,380 Total FINCA borrowers
27,078 65% Female borrowers Second-highest in the world, right after FINCA Haiti. % #
21,931 53% Borrowers in rural areas Highest outside of Eurasia. % #
72% Adult population financially excluded
51,566 Total FINCA clients
51,566 Total FINCA borrowers
45,883 89% Female borrowers % #
20,626 40% Borrowers in rural areas % #
57% Adult population financially excluded
67,850 Total FINCA clients Honduras has more non-borrowing customers than any other subsidiary in the region.
27,654 Total FINCA borrowers
15,359 56% Female borrowers % #
8,849 32% Borrowers in rural areas % #
58% Adult population financially excluded
38,957 Total FINCA clients
38,957 Total FINCA borrowers
31,568 81% Female borrowers % #
15,583 40% Borrowers in rural areas % #
48% Adult population financially excluded
22,491 Total FINCA clients
22,491 Total FINCA borrowers
4,946 22% Female borrowers % #
6,522 29% Borrowers in rural areas % #
62% Adult population financially excluded
147,263 Total FINCA clients
82,253 Total FINCA borrowers
44,783 54% Female borrowers Female outreach in Kyrgyzstan is significantly higher than the region overall (40%). % #
69,093 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
213,225 Total FINCA clients
143,058 Total FINCA borrowers
100,865 71% Female borrowers % #
43,817 42% Borrowers in rural areas Rural outreach is especially high in Ecuador and Guatemala. % #
77% Adult population financially excluded
53,243 Total FINCA clients
32,011 Total FINCA borrowers
20,380 64% Female borrowers % #
17,926 56% Borrowers in rural areas % #
82% Adult population financially excluded
1,195,981 Total FINCA clients
305,677 Total FINCA borrowers
71,341 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
8,179 Total FINCA clients This number will increase with the launch of savings services for non-borrowing customers.
8,179 Total FINCA borrowers
4,823 59% Female borrowers FINCA Nicargua has one of the highest concentrations of female borrowers among our subsidiaries. % #
1,472 18% Borrowers in rural areas % #
61% Adult population financially excluded More than half of the adult population in Nigeria is financially excluded.
31,105 Total FINCA clients
5,806 Total FINCA borrowers
2,750 47% Female borrowers % #
82% Adult population financially excluded
1,128,248 Total FINCA clients FINCA Pakistan has more savers than any other subsidiary, and the highest ratio of savers to borrowers.
237,944 Total FINCA borrowers
23,507 10% Female borrowers % #
33,312 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
29,800 Total FINCA clients
23,678 Total FINCA borrowers
8,826 37% Female borrowers % #
16,338 69% Borrowers in rural areas Poverty is especially widespread in rural areas. % #
79% Adult population financially excluded
364,154 Total FINCA clients
43,581 Total FINCA borrowers
22,417 51% Female borrowers % #
32,686 75% Borrowers in rural areas % #
67% Adult population financially excluded
116,877 Total FINCA clients
23,639 Total FINCA borrowers
9,463 40% Female borrowers % #
17,729 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%.
19,576 Total FINCA clients
11,688 Total FINCA borrowers
6,353 54% 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
