FINCA Results

Measuring Our Impact

Social Performance Management

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  • Approach
    • FINCA’s Mission
    • Survey Methodology
    • Data Sources
  • Indicators
    • Financial Inclusion
    • Living Standards
    • Income & Employment
    • Women’s Empowerment
    • Clients’ Goals
  • Global Data
    • Africa
      • DRC
      • Malawi
      • Nigeria
      • Tanzania
      • Uganda
      • Zambia
    • Eurasia
      • Armenia
      • Azerbaijan
      • Kosovo
      • Kyrgyzstan
      • Tajikistan
    • Latin America
      • Guatemala
      • Haiti
      • Honduras
    • MESA
      • Jordan
      • Pakistan
  • News

FINCA

Explore FINCA Data ↓

Financial Inclusion

FINCA:
Reaching the Financially Excluded

72% Adult population financially excluded
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. % #
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.
260,600 43% Borrowers in rural areas Excludes Nigeria, Jordan and Haiti. Rural outreach is especially high in Eurasia, led by Kyrgyzstan. % #
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.
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Living Standards

FINCA:
Quality of Life

177,432 29% Client homes without water Every FINCA region has clients who lack this basic service, including places like Tajikistan, Honduras and Afghanistan. % #
93,746 16% Client homes without electricity Outside of Africa, Honduras has the highest percentage of borrowers who lack electricity in their homes. % #
356,016 59% Client homes without access to Internet % #
115,612 19% Clients who don’t own their home % #
189,633 32% Head of household with primary education or less The lack of education is particularly notable in Latin America, but other regions are not far behind, especially MESA and Africa. % #

Financial exclusion often goes hand-in-hand with poor living standards. FINCA's borrowers in Africa struggle the most to have a decent quality of life. Over half live in homes without access to clean water, and a third are without electricity.

These problems are not isolated to Africa, however. Our surveys show that access to water, in particular, is a problem that affects clients in every region. Also, nearly a third of FINCA clients live in a household whose main earner has only a primary education or less. This problem is especially severe in Africa and MESA.

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Income & Employment

FINCA:
Income & Employment

$3,704 29% Average annual profit Profit is shown as a percent of total sales. % #
2.5 Average # of employees per client enterprise Employees (full-time equivalent) include the owner. Employment is highest in MESA and Africa.
1,264,909 People employed in FINCA-funded enterprises This data covers 72% of our borrowers.
295,052 25% Employees hired due to FINCA loan At any given time, 27% of total employment in our clients' enterprises is directly attributed by them to the expansion of their activities that was enabled by FINCA. Job-creation is the strongest in Eurasia. % #
640,886 50% Wages paid above the poverty line Wages that are above the poverty line are considered a "living wage." % #
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We measure FINCA's impact on income and employment through a detailed Enterprise Survey, which captures the cash flow, wages and employment in our clients' businesses. Our surveyors take a detailed count of people working in each enterprise, and clients themselves are asked to estimate how many of them are working due to the loan from FINCA. These results are strongly influenced by the sector of activity -- agriculture, trade, services, livestock and manufacturing -- as shown under "Special Topics," below.

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Women’s Empowerment

FINCA:
Empowering Women

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. % #
80,006 13% Clients with female-headed household % #
163,622 27% Households with female as main earner % #
215,565 42.2% Businesses run by women % #
434,967 36% Women employed by enterprises Avg. #
504,347 41% Jobs created by women This is the total number of employees hired by FINCA's female borrowers. % #

All over the world, we find that the majority of FINCA's female borrowers are the main source of income for their family. Female breadwinners bear a heavy burden, because they normally have to fulfill traditional family responsibilities in addition to running their business. 14% of our borrowers are single mothers. Reaching these women is a priority for FINCA's mission, because they have an enormous impact on the well-being of the whole family, while their climb out of poverty is the steepest.

Women's rate of enterprise ownership is lower than their overall representation within FINCA's client base, particularly in MESA/Pakistan. In part, this is the result of social norms that discourage women's business activities. With some exceptions, especially in Africa,, women's contribution to job-creation is generally undercut by their concentration in economic sectors such as trade, where enterprises tend to employ fewer workers. Nonetheless, the enhanced status that comes with running a business and hiring workers is an important factor in women's social empowerment,

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Clients’ Goals

FINCA:
Attaining Business and Personal Goals

Goals Set By FINCA Borrowers
Goals Met By FINCA Borrowers
39,934 8% Start a business % #
273,000 53% Expand a business % #
13,121 3% Invest in education % #
88,570 17% Improve their home % #
34,956 7% Buy an asset % #
21,900 4% Pay down debts % #
34,656 85% Start a business % #
232,772 85% Expand a business % #
10,745 58% Invest in education % #
70,308 80% Improve their home % #
67,583 79% Buy an asset % #
14,109 66% Pay down debts % #

Across the world, our borrowers come to FINCA with specific goals in mind. The majority aim to expand an existing business or to start a new one. After business, home improvements are the next big objective, especially in Africa and Eurasia. FINCA is actively expanding the range of its services to meet these kinds of needs, especially through the financing of household assets such as solar panels and improved cook-stoves. As these services grow and multiply across the network, we can expect more clients to come to FINCA with these needs in mind.

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Business Activities and Profit

FINCA:
Poverty, Economic Sectors, Jobs and Profits

FINCA Loan Sectors

290,659 48% Trade % #
125,901 21% Services % #
33,660 6% Manufacturing % #
42,321 7% Crops % #
112,182 19% Livestock % #

Profit and Profit/Sales Ratio by Sector

$4,735 23% Trade Profit/sales ratio Avg. profit
4,094 32% Services Profit/sales ratio Avg. profit
$5,099 29% Manufacturing Profit/sales ratio Avg. profit
$1,684 30% Crops Profit/sales ratio Avg. profit
$1,992 30% Livestock Profit/sales ratio Avg. profit

Jobs by Sector Due to FINCA Loan

136,012 46% Trade % #
70962 24% Services % #
20,686 7% Manufacturing % #
18,088 6% Crops % #
49,304 17% Livestock % #

FINCA Stories

FINCA DR Congo Client Nene

A Financial Product Just for Her

Nene is thriving as an entrepreneur thanks to a new FINCA loan product targeted at women in the Democratic Republic of the...
Read Nene's Story
Annesse Aristild and Kerlande Toussaint and their youngest child in front of their school in Gonaives, Haiti

Tenacity and Courage Ensure that Kids Get an Education

Kerlande Toussaint and her husband have proven that with tenacity and courage that they can thrive in the face of adversity. Read...
Read Kerlande's Story
BrightLife-client-Aidah-Asiimwe-with-family

BrightLife Solves a COVID-19 Catch-22

Aidah Asiimwe is grateful to BrightLife for turning on her lights free of charge during the COVID-19 pandemic. Read her story.
Read Aidah's Story

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