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
