GAWA Capital

Sindhuja Microcredit Pvt Ltd, established in 2017 and headquartered in Patna, India, specializes in providing credit products tailored to the needs of self-employed women entrepreneurs in rural areas. The company offers micro finance and micro enterprise loans, focusing on digital and rural-focused financial services to cater to the bottom of the pyramid market.

Pahal is a Non-Banking Financial Services Company that specializes in providing microfinance services aimed at low-income households, particularly those in marginalized communities. The company offers a diverse array of financial and non-financial products and services designed to meet the evolving needs of its customers. By focusing on understanding the specific requirements of its clientele, Pahal enables individuals and families to enhance their standard of living through accessible financial solutions.

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 targets growing businesses in sectors such as agri-products, handicrafts, water, food, and energy. Kinara Capital offers loans ranging from Rs 1 lakh to 15 lakh, aiming to bridge the gap between microfinance and commercial capital, and supports funding needs for working capital, capital assets, and start-up initiatives. The firm distinguishes itself through personalized customer service and a fast turnaround time, leveraging data-driven insights to enhance the lending experience. Recognized for its impact in the financial sector, it was named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and ranked among the Top 100 High-Growth Companies in 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 targets growing businesses in sectors such as agri-products, handicrafts, water, food, and energy. Kinara Capital offers loans ranging from Rs 1 lakh to 15 lakh, aiming to bridge the gap between microfinance and commercial capital, and supports funding needs for working capital, capital assets, and start-up initiatives. The firm distinguishes itself through personalized customer service and a fast turnaround time, leveraging data-driven insights to enhance the lending experience. Recognized for its impact in the financial sector, it was named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and ranked among the Top 100 High-Growth Companies in Asia-Pacific by the Financial Times.

Fusion Microfinance, headquartered in New Delhi, focuses on providing financial services to economically disadvantaged women in India, primarily through Joint Liability Groups (JLGs). Established in January 2010, the company expanded its operations by acquiring the microfinance division of Aajeevika, which previously served 1,280 members. Fusion Microfinance specializes in offering small, collateral-free loans, catering to the needs of its clients while also extending lending services to micro, small, and medium enterprises (MSMEs). In addition to its core microfinance activities, the company leverages its distribution network to offer a range of financial products, enabling members to access funds for purchasing productivity-enhancing items such as mobile handsets and bicycles. The company operates primarily in the less penetrated North Central region of India, including Madhya Pradesh, Uttarakhand, Uttar Pradesh, Delhi, and Haryana.

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 targets growing businesses in sectors such as agri-products, handicrafts, water, food, and energy. Kinara Capital offers loans ranging from Rs 1 lakh to 15 lakh, aiming to bridge the gap between microfinance and commercial capital, and supports funding needs for working capital, capital assets, and start-up initiatives. The firm distinguishes itself through personalized customer service and a fast turnaround time, leveraging data-driven insights to enhance the lending experience. Recognized for its impact in the financial sector, it was named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and ranked among the Top 100 High-Growth Companies in 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 targets growing businesses in sectors such as agri-products, handicrafts, water, food, and energy. Kinara Capital offers loans ranging from Rs 1 lakh to 15 lakh, aiming to bridge the gap between microfinance and commercial capital, and supports funding needs for working capital, capital assets, and start-up initiatives. The firm distinguishes itself through personalized customer service and a fast turnaround time, leveraging data-driven insights to enhance the lending experience. Recognized for its impact in the financial sector, it was named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and ranked among the Top 100 High-Growth Companies in 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 specifically to base-of-the-pyramid entrepreneurs in the transportation sector. The company primarily serves informal taxi drivers operating in underserved urban areas of Lima, addressing the needs of a market segment often overlooked by traditional banks. By offering tailored financial products, Acceso Crediticio aims to empower these entrepreneurs while promoting the use of clean energy-powered vehicles, thereby contributing to a reduction in CO2 emissions. As a subsidiary of Acceso Corp. S.A., the company is dedicated to fostering financial inclusion and supporting sustainable transportation solutions in the region.

Microserfin is a prominent non-banking micro-financing institution (NBFC-MFI) in Panama, with over 26 years of experience in the sector. The company is dedicated to enhancing the standard of living for low-income entrepreneurs and their families by offering tailored microfinancing solutions. Microserfin focuses on generating opportunities for social and economic development, aiming to promote sustainable and inclusive growth for vulnerable populations. By addressing the financial needs of low-income individuals, Microserfin empowers them to improve their quality of life and fosters economic stability within their communities.

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, focuses on providing financial services to economically disadvantaged women in India, primarily through Joint Liability Groups (JLGs). Established in January 2010, the company expanded its operations by acquiring the microfinance division of Aajeevika, which previously served 1,280 members. Fusion Microfinance specializes in offering small, collateral-free loans, catering to the needs of its clients while also extending lending services to micro, small, and medium enterprises (MSMEs). In addition to its core microfinance activities, the company leverages its distribution network to offer a range of financial products, enabling members to access funds for purchasing productivity-enhancing items such as mobile handsets and bicycles. The company operates primarily in the less penetrated North Central region of India, including Madhya Pradesh, Uttarakhand, Uttar Pradesh, Delhi, and Haryana.

Banco D-MIRO S.A., located in Guayaquil, Ecuador, is a regulated financial institution dedicated to providing micro-financing services aimed at fostering development in vulnerable communities along the Ecuadorian coast. The institution began its operations in 1997 through the Norwegian Alliance Mission Microfinance program and has since evolved from a microfinance initiative into a formal banking entity. Banco D-MIRO focuses on delivering individual micro-credits and savings solutions to clients in suburban areas, empowering them to improve their businesses and enhance their quality of life. By prioritizing support for economically disadvantaged sectors, Banco D-MIRO strives to contribute significantly to poverty alleviation in the region. Since transitioning to a formal banking entity in 2011, Banco D-MIRO has expanded its services, impacting thousands of families by facilitating access to essential financial resources.

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 provides a wide range of banking products and services. Founded in 2006 and rebranded from Janalakshmi Financial Services in March 2018, the bank operates through various segments, including Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. It offers current and savings accounts, fixed and recurring deposits, and various loan products such as home, gold, agriculture, and business loans. Additionally, Jana Small Finance Bank provides services like debit cards, online banking, and payment solutions, catering to both individual and corporate clients. The bank is committed to financial inclusion, particularly focusing on the needs of underserved urban populations, while utilizing technology to enhance its offerings and operational efficiency.

ProCredit Holding is a financial institution that manages a group of banks across various regions, focusing on responsible banking practices and sustainable development. The company is engaged in general banking functions, including accepting deposits, providing loans, and offering current and savings accounts, along with a range of other banking services. Its operations span several geographical segments, including South-Eastern Europe, where it operates seven banks in Albania, Bosnia and Herzegovina, Bulgaria (with branch operations in Greece), Kosovo, North Macedonia, Romania, and Serbia. In Eastern Europe, it has three banks in Georgia, Moldova, and Ukraine, while in South America, it operates one bank in Ecuador. Additionally, ProCredit Holding has a presence in Germany through ProCredit Bank. The company emphasizes strategic management, capital adequacy, and effective risk management to ensure 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, established in 2003 and based in Rajagiriya, Sri Lanka, is a microfinance and non-bank financial institution that specializes in providing microcredit products and services. As a subsidiary of LOLC Finance PLC, it focuses on financing solutions tailored for small entrepreneurs, farmers, and the small business sector. The company offers various financing options for three-wheelers, agricultural equipment, and other vehicles, alongside group loans specifically aimed at women entrepreneurs. With a commitment to empowering underserved communities, LOLC Micro Credit has formed strategic partnerships with numerous international organizations, enhancing its ability to serve its clientele effectively. Through its offerings, the company contributes to economic growth by enabling individuals and small businesses to improve their livelihoods and achieve their financial aspirations.

Contactar is a Colombian microfinance institution based in Pasto, founded in 1991. The organization specializes in providing microfinance services to micro and small businesses, particularly focusing on underserved clients in rural areas who lack access to credit and essential non-financial services. Over the years, Contactar has expanded its offerings to include consultancy, training, and promotional services aimed at supporting microentrepreneurs, young entrepreneurs, and vulnerable populations. With a commitment to empowering individuals and fostering economic development, Contactar plays a significant role in enhancing financial inclusion in Colombia.

Sinapi Aba Trust is an organization based in Kumasi, Ghana, that specializes in providing small and micro-credit services to small and micro enterprises. Founded in 1994, the Trust focuses on development-intensive group loans tailored for micro-entrepreneurs, as well as business development loans, working capital loans, and small enterprise loans. It also offers agricultural loans for farmers and various other loan products, including education and asset loans. In addition to financial services, Sinapi Aba Trust provides essential non-financial services such as business management training, youth apprenticeship programs, consultancy, and awareness campaigns on health issues like HIV/AIDS. The Trust serves a diverse range of sectors, including manufacturing, food, agriculture, and services, catering to businesses such as tailors, bakers, poultry growers, and hairdressers. Following the establishment of Sinapi Aba Savings and Loans in 2013, the Trust has shifted its focus primarily to non-financial services, supporting the growth and development of the economically active population in Ghana.

Consejo de Asistencia al Microemprendedor is a Mexican microfinance institution dedicated to serving microenterprises and low-income individuals. It offers a range of financial products and services, including business-specific loans, equity investments, savings accounts, life insurance, and financial advisory services. The company's mission is to empower economically disadvantaged individuals by fostering entrepreneurship, promoting financial responsibility, and enhancing their overall economic well-being through accessible and appropriate financial solutions.