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
