GAWA Capital

Sindhuja Microcredit Pvt Ltd, established in 2017 and headquartered in Patna, India, specializes in providing credit products tailored to micro-entrepreneurs and small businesses. The company offers micro finance and micro enterprise loans, focusing on serving self-employed women entrepreneurs in rural and underserved areas, leveraging digital technology to enhance accessibility and affordability.

Pahal is a Non-Banking Financial Services Company that specializes in providing microfinance services primarily aimed at low-income households and marginalized communities. The company offers a diverse range of financial and non-financial products and services designed to meet the evolving needs of its customers. By focusing on the unique requirements of its target demographic, Pahal aims to empower individuals and families, helping them to enhance their standard of living.

WayCool is an agri-tech company focused on the processing, distribution, and procurement of fresh produce, dairy products, and staples. By utilizing innovative quality management and food safety technology, WayCool enhances farmers' incomes and streamlines logistics and distribution services. The company sources fruits and vegetables primarily from smallholder farmers and aggregators, distributing them to local shops, retail outlets, hotels, restaurants, and catering establishments. WayCool operates a retail brand called SunnyBee in Chennai, which includes physical stores, mobile stores on trucks, and e-commerce platforms. Additionally, SunnyBee offers a range of high-quality private label products developed through partnerships with sister companies. By establishing direct connections between farmers and consumers, WayCool effectively integrates physical and information technology to facilitate efficient distribution of fresh produce.

Norandino is a bank that provides financial services to farmers and producers. They provide banking services such as savings, credits, social welfare funds, and insurance deductions. They also provide light bill payment, payment of telephone services, cable, and payment of beauty products.

Kinara Capital is a financing company based in Bengaluru, India, that specializes in providing flexible collateral-free loans to small business entrepreneurs. Founded in 2011 by Hardika Shah, the company primarily targets growing businesses that need funding for working capital, capital assets, and startup expenses. Its lending portfolio encompasses various industries, including agri-products, handicrafts, water, food, and energy. Kinara Capital aims to bridge the gap between microfinance and commercial capital by offering loans ranging from Rs 1 lakh to 15 lakh to micro and small enterprises. The company is recognized for its personalized customer service and rapid loan processing, leveraging data-driven insights to enhance its offerings. Kinara Capital has received accolades such as being named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and being listed among the Top 100 High-Growth Companies in the Asia-Pacific by the Financial Times.

Kinara Capital is a financing company based in Bengaluru, India, that specializes in providing flexible collateral-free loans to small business entrepreneurs. Founded in 2011 by Hardika Shah, the company primarily targets growing businesses that need funding for working capital, capital assets, and startup expenses. Its lending portfolio encompasses various industries, including agri-products, handicrafts, water, food, and energy. Kinara Capital aims to bridge the gap between microfinance and commercial capital by offering loans ranging from Rs 1 lakh to 15 lakh to micro and small enterprises. The company is recognized for its personalized customer service and rapid loan processing, leveraging data-driven insights to enhance its offerings. Kinara Capital has received accolades such as being named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and being listed among the Top 100 High-Growth Companies in the Asia-Pacific by the Financial Times.

Fusion Microfinance, headquartered in New Delhi, operates primarily in the North Central region of India, including Madhya Pradesh, Uttarakhand, Uttar Pradesh, Delhi, and Haryana. Established in January 2010, the company initially focused on microfinance lending to financially underserved women organized into Joint Liability Groups (JLGs). It provides small, collateral-free loans to empower these women and also extends its services to micro, small, and medium enterprises (MSMEs). In addition to lending, Fusion Microfinance leverages its distribution channels to offer various financial products aimed at enhancing productivity, such as loans for purchasing mobile handsets and bicycles. The company's acquisition of the microfinance division Aajeevika, which had a modest initial member base, further strengthened its operations and outreach in the sector.

Kinara Capital is a financing company based in Bengaluru, India, that specializes in providing flexible collateral-free loans to small business entrepreneurs. Founded in 2011 by Hardika Shah, the company primarily targets growing businesses that need funding for working capital, capital assets, and startup expenses. Its lending portfolio encompasses various industries, including agri-products, handicrafts, water, food, and energy. Kinara Capital aims to bridge the gap between microfinance and commercial capital by offering loans ranging from Rs 1 lakh to 15 lakh to micro and small enterprises. The company is recognized for its personalized customer service and rapid loan processing, leveraging data-driven insights to enhance its offerings. Kinara Capital has received accolades such as being named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and being listed among the Top 100 High-Growth Companies in the Asia-Pacific by the Financial Times.

Kinara Capital is a financing company based in Bengaluru, India, that specializes in providing flexible collateral-free loans to small business entrepreneurs. Founded in 2011 by Hardika Shah, the company primarily targets growing businesses that need funding for working capital, capital assets, and startup expenses. Its lending portfolio encompasses various industries, including agri-products, handicrafts, water, food, and energy. Kinara Capital aims to bridge the gap between microfinance and commercial capital by offering loans ranging from Rs 1 lakh to 15 lakh to micro and small enterprises. The company is recognized for its personalized customer service and rapid loan processing, leveraging data-driven insights to enhance its offerings. Kinara Capital has received accolades such as being named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and being listed among the Top 100 High-Growth Companies in the Asia-Pacific by the Financial Times.

Acceso Crediticio S.A., founded in 1999 and based in Lima, Peru, is a financial institution focused on providing car loans primarily to informal taxi drivers operating in underserved urban areas. As a subsidiary of Acceso Corp. S.A., the company aims to serve base-of-the-pyramid entrepreneurs who often lack access to traditional banking services. By offering tailored financial products, Acceso Crediticio addresses the needs of this unbanked market segment, promoting the acquisition of clean energy-powered vehicles to help reduce CO2 emissions. The institution's approach not only facilitates mobility for low-income drivers but also contributes to environmental sustainability.

Microserfin is a prominent non-banking micro-financing institution in Panama, with over 26 years of experience focused on enhancing the standard of living for low-income entrepreneurs and their families. The organization offers microfinancing solutions aimed at fostering social and economic development. By promoting sustainable and inclusive growth, Microserfin enables its clients to improve their quality of life and generate opportunities for advancement. Through its targeted financial services, the institution supports individuals in vulnerable situations, helping them to achieve greater economic stability and empowerment.

FDL is a Nicaraguan nonprofit microfinance institution (MFI) that is committed to integrated service provision in rural areas where access to essential services is often limited. The organization began its activities in 1992 as part of the NITLAPAN* research institute and became its own independent entity in 1997. While the organization’s principal mission is to provide financial services to micro, small and medium entrepreneurs, it has continued to work closely with NITLAPAN to design innovative, non-financial products and services that meet the multifaceted needs of small producers.

Fusion Microfinance, headquartered in New Delhi, operates primarily in the North Central region of India, including Madhya Pradesh, Uttarakhand, Uttar Pradesh, Delhi, and Haryana. Established in January 2010, the company initially focused on microfinance lending to financially underserved women organized into Joint Liability Groups (JLGs). It provides small, collateral-free loans to empower these women and also extends its services to micro, small, and medium enterprises (MSMEs). In addition to lending, Fusion Microfinance leverages its distribution channels to offer various financial products aimed at enhancing productivity, such as loans for purchasing mobile handsets and bicycles. The company's acquisition of the microfinance division Aajeevika, which had a modest initial member base, further strengthened its operations and outreach in the sector.

Banco D-MIRO S.A., located in Guayaquil, Ecuador, specializes in providing micro-financing services aimed at fostering development in vulnerable coastal communities. Established as a foundation in 1997, it began by addressing the financial needs of residents in Trinitaria Island, facilitating small loans to improve their businesses. Over the years, the organization experienced significant growth, transitioning into a regulated financial institution in 2011. By the end of 2010, it served approximately 37,000 families with a portfolio of 30 million dollars. Banco D-MIRO focuses on individual micro-credit and savings, enabling clients to invest in their financial futures while contributing to social development. Its mission is to be a leading force in alleviating poverty in Ecuador, particularly in underserved areas.

Crezcamos is a microfinance company dedicated to providing financial services to small businesses and entrepreneurial households, particularly in rural areas and underserved communities. By focusing on micro and small entrepreneurs, Crezcamos aims to promote economic development and improve living standards in lower-income populations. The company offers microloans and micro-insurance products, designed to meet the low-cost financing needs of its customers. Through its inclusive approach, Crezcamos seeks to expand access to financial resources in both banked and underbanked regions of the country, fostering sustainable growth and community development.

Jana Small Finance Bank Limited is a banking institution based in Bengaluru, India, that offers a range of financial products and services aimed at individuals and corporates. The bank operates through four main segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. It provides various banking services including current and savings accounts, fixed and recurring deposits, and a diverse array of loans such as home, gold, agricultural, and business loans. Additionally, Jana Small Finance Bank facilitates online banking, payment services, and debit card issuance. Originally established as Janalakshmi Financial Services in 2006, the bank rebranded in March 2018 to reflect its commitment to financial inclusion and servicing the urban underserved population in India. The institution maintains a strong focus on customer value and integrates technology to enhance its operations and scalability.

ProCredit Holding is a financial services company that manages a group of banks operating in South-Eastern Europe, Eastern Europe, South America, and Germany. It offers a range of banking services, including deposits, loans, and current and savings accounts. The company's core activities involve strategic management, capital adequacy, risk management, and ensuring proper business organization within the group.

Credo Bank is a microfinance institution based in Tbilisi, Georgia, established in 1997. The bank specializes in providing a variety of financial products and services tailored to the needs of micro, small, and medium enterprises. Its offerings include loans, start-up financing, installment plans, credit and debit cards, insurance products, remittances, deposits, and payroll services for businesses. In March 2017, the organization rebranded from JSC Microfinance Organization Credo to JSC CREDO Bank. As a subsidiary of Access Microfinance Holding AG, Credo Bank emphasizes a healthy working environment and strong business processes, which underpin its core values and organizational behavior.

AzerCredit is one of the leading microfinance institutions of the Republic of Azerbaijan and it operates mostly in the agricultural sector. It was initially established in 1996 as AzEF (Azerbaijan Enterprise Fund). Later, in 2002 it was renamed AzerCredit LLC and obtained a license from the Central Bank of Azerbaijan.

LOLC Micro Credit Limited, a microfinance and non-bank financial institution based in Rajagiriya, Sri Lanka, specializes in providing microcredit products and services. Established in 2003, the company offers financing for various vehicles, including three-wheelers, motorcycles, and light trucks, as well as agricultural equipment like mini combine harvesters and threshers. It also provides group loans specifically designed for women entrepreneurs and various individual lending schemes aimed at supporting small entrepreneurs and farmers. The company has established strategic partnerships with several international organizations and financial institutions to enhance its service offerings. In 2018, LOLC Micro Credit was acquired by LOLC Finance PLC, a prominent finance company in Sri Lanka, which has further strengthened its position in the microfinance sector. Through its activities, LOLC Micro Credit aims to empower communities and contribute to the economic development of Sri Lanka by facilitating access to financial resources for underserved populations.

Contactar is a Colombian microfinance institution that provides essential financial and non-financial services to micro and small businesses, primarily targeting microentrepreneurs in rural and urban areas of Colombia. Founded in 1991 and based in Pasto, the organization has shifted its focus over the years to serve clients in rural regions who often lack access to traditional credit and support services. In addition to microfinance, Contactar offers consultancy, training, and promotional services aimed at empowering young and vulnerable entrepreneurs. This comprehensive approach helps individuals improve their economic situations and fosters sustainable development in their communities.

Sinapi Aba Trust is a non-profit organization based in Kumasi, Ghana, that focuses on providing small and micro-credit services to viable small and micro enterprises. Established in 1994, the Trust offers development-intensive group loans, business development loans, working capital loans, and small enterprise loans. Additionally, it provides agricultural loans, asset loans, education loans, and micro school loans. Beyond financial services, Sinapi Aba Trust delivers non-financial support, including business management training, youth apprenticeship programs, consultancy services, and HIV/AIDS awareness initiatives. The Trust serves various sectors, including manufacturing, food, agriculture, and services, catering to entrepreneurs such as tailors, food sellers, farmers, and artisans. Following the establishment of Sinapi Aba Savings and Loans in 2013, the Trust has shifted its primary focus to non-financial services, offering support to enhance the capabilities of the savings and loans institution while contributing to the economic empowerment of individuals in Ghana.

Consejo de Asistencia al Microemprendedor is a micro-finance institution based in Mexico that focuses on providing financial services to microenterprises and economically disadvantaged individuals. The organization offers a range of products, including business-specific loans, life insurance, savings products, and financial advisory services. By fostering a culture of solidarity and responsibility, Consejo de Asistencia al Microemprendedor aims to enhance the economic and social well-being of its clients, empowering them with the financial tools necessary to develop their entrepreneurial capabilities and improve their livelihoods.