FINCA Results

Measuring Our Impact

Social Performance Management

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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 worst—82 percent—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 available 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
All Africa DRC Malawi Nigeria Tanzania Uganda Zambia
Eurasia
All Eurasia Armenia Azerbaijan Georgia Kosovo Kyrgyzstan Tajikistan
Latin America
All Latin America Ecuador Guatemala Haiti Honduras Nicaragua
MESA
All MESA Afghanistan Jordan Pakistan
85% Adult population financially excluded
25,177 Total FINCA clients
25,177 Total FINCA borrowers
14,569 58% Female borrowers FINCA’s outreach to women in Afghanistan is remarkable, especially considering the limits on women's activities outside of the home. % #
252 1% Borrowers in rural areas Insecurity hinders FINCA's expansion outside of the main cities and towns. % #
70% Adult population financially excluded
803,729 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.
179,249 Total FINCA borrowers
94,493 53% Female borrowers The majority of female borrowers are the primary income-earners in their families. % #
21,580 46% Borrowers in rural areas Rural outreach is particularly striking in Tanzania and Uganda, where it reaches as high as 75%. % #
55% Adult population financially excluded
36,124 Total FINCA clients
36,124 Total FINCA borrowers
12,666 35% Female borrowers % #
15,895 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
6,978 Total FINCA clients
6,978 Total FINCA borrowers
1,828 26% Female borrowers % #
4,326 62% Borrowers in rural areas % #
85% Adult population financially excluded The rate of financial exclusion is higher than the regional average (70%).
347,379 Total FINCA clients FINCA DRC has more than 8 times as many savers as borrowers.
49,932 Total FINCA borrowers
25,103 50% Female borrowers % #
999 2% 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
29,604 Total FINCA clients
14,977 Total FINCA borrowers
8,987 60% Female borrowers Like its peers in the region, FINCA Ecuador maintains a high level of outreach to women. % #
7,638 51% Borrowers in rural areas Along with Guatemala, FINCA Ecuador has a comparatively high rate of rural outreach. % #
58% Adult population financially excluded
323,329 Total FINCA clients Georgia and Kyrgyzstan provide full banking services and their client base includes small savers as well as borrowers.
209,107 Total FINCA borrowers
88,955 43% Female borrowers Kyrgyzstan has the highest female outreach in the region. % #
136,028 65% Borrowers in rural areas About two-thirds of our borrowers in Eurasia live in rural areas. % #
72% Adult population financially excluded
2,128,513 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.
791,724 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.
354,413 45% 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
113,513 Total FINCA clients
42,268 Total FINCA borrowers
18,978 45% Female borrowers % #
26,206 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
32,830 Total FINCA clients
32,830 Total FINCA borrowers
26,360 80% Female borrowers Second-highest in the world, right after FINCA Haiti. % #
17,400 53% Borrowers in rural areas Highest outside of Eurasia. % #
72% Adult population financially excluded
47,409 Total FINCA clients
47,409 Total FINCA borrowers
42,328 89% Female borrowers % #
57% Adult population financially excluded
43,267 Total FINCA clients Honduras has more non-borrowing customers than any other subsidiary in the region.
26,126 Total FINCA borrowers
16,950 65% Female borrowers % #
8,360 32% Borrowers in rural areas % #
58% Adult population financially excluded
29,920 Total FINCA clients
29,955 Total FINCA borrowers
27,436 92% Female borrowers % #
48% Adult population financially excluded
19,296 Total FINCA clients
19,296 Total FINCA borrowers
3,529 18% Female borrowers % #
5,596 29% Borrowers in rural areas % #
62% Adult population financially excluded
116,389 Total FINCA clients
79,607 Total FINCA borrowers
43,548 55% Female borrowers Female outreach in Kyrgyzstan is significantly higher than the region overall (40%). % #
66,870 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
174,612 Total FINCA clients
142,844 Total FINCA borrowers
108,859 76% Female borrowers % #
43,817 39% Borrowers in rural areas Rural outreach is especially high in Ecuador and Guatemala. % #
77% Adult population financially excluded
65,723 Total FINCA clients
36,219 Total FINCA borrowers
23,089 64% Female borrowers % #
20,283 56% Borrowers in rural areas % #
82% Adult population financially excluded
826,843 Total FINCA clients
260,524 Total FINCA borrowers
62,106 24% Female borrowers Women in the MESA region face significant cultural barriers to economic participation and financial inclusion. % #
36,227 13% Borrowers in rural areas % #
72% Adult population financially excluded
21,502 Total FINCA clients This number will increase with the launch of savings services for non-borrowing customers.
21,502 Total FINCA borrowers
14,234 66% Female borrowers FINCA Nicargua has one of the highest concentrations of female borrowers among our subsidiaries. % #
3,870 18% Borrowers in rural areas % #
61% Adult population financially excluded More than half of the adult population in Nigeria is financially excluded.
26,825 Total FINCA clients
4,308 Total FINCA borrowers
2,168 50% Female borrowers % #
82% Adult population financially excluded
771,746 Total FINCA clients FINCA Pakistan has more savers than any other subsidiary, and the highest ratio of savers to borrowers.
205,392 Total FINCA borrowers
20,101 10% Female borrowers % #
28,755 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
31,029 Total FINCA clients
24,834 Total FINCA borrowers
8,406 34% Female borrowers % #
17,135 69% Borrowers in rural areas Poverty is especially widespread in rural areas. % #
79% Adult population financially excluded
245,232 Total FINCA clients
47,312 Total FINCA borrowers
25,735 54% Female borrowers % #
35,484 75% Borrowers in rural areas % #
67% Adult population financially excluded
101,545 Total FINCA clients
32,369 Total FINCA borrowers
13,081 40% Female borrowers % #
24,277 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%.
17,025 Total FINCA clients
9,109 Total FINCA borrowers
5,317 58% Female borrowers % #
0 0% Borrowers in rural areas FINCA aims to increase its rural outreach through mobile and agency banking. % #

© 2016 FINCA International

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© 2017 FINCA International

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