GAWA Capital

WayCool Foods & Products Pvt. Ltd. is an agri-tech company based in Chennai, India, specializing in the procurement, processing, and distribution of fresh produce, dairy products, and grocery staples. Founded in 2015, the company sources fruits and vegetables from smallholder farmers and aggregators, facilitating direct links between farmers and consumers. WayCool employs innovative technology to enhance logistics and food safety, ensuring the quality of its products. It operates a diverse distribution network that includes retail stores under the brand SunnyBee, mobile stores on trucks, and e-commerce platforms, primarily serving the Chennai area. Additionally, WayCool designs and manages storage facilities and cold chain distribution operations, aiming to increase farmers' incomes while providing fresh produce to local shops, restaurants, and catering establishments. The company's vision focuses on becoming a leading food development and distribution entity in India, positively impacting the agricultural community.

Kinara Capital provides flexible loans without property collateral to small business entrepreneurs. The company is focused on lending to growing businesses that require funding for working capital, capital assets, and start-up needs. Kinara Capital focuses on industries such as agri-products, handicraft production, water, food, and energy. Kinara Capital provides personalized customer service with a fast turnaround time by blending data-driven insights with a human touch. Led by a women-majority management team, Kinara Capital has impacted over half a million lives in India. Kinara Capital was founded on 2011 and is headquartered in Bangalore, Karnataka, India.

Kinara Capital provides flexible loans without property collateral to small business entrepreneurs. The company is focused on lending to growing businesses that require funding for working capital, capital assets, and start-up needs. Kinara Capital focuses on industries such as agri-products, handicraft production, water, food, and energy. Kinara Capital provides personalized customer service with a fast turnaround time by blending data-driven insights with a human touch. Led by a women-majority management team, Kinara Capital has impacted over half a million lives in India. Kinara Capital was founded on 2011 and is headquartered in Bangalore, Karnataka, India.

Fusion Microfinance Private Limited is a non-banking financial company based in New Delhi, specializing in providing micro-credit services to women entrepreneurs in rural and semi-urban regions of India. Established in 1994, the company began its Greenfield operations in January 2010 and expanded its reach by acquiring the microfinance division of Aajeevika, which had a loan book of Rs 6.3 million and 1,280 members at the time of acquisition. Fusion Microfinance focuses on facilitating the establishment and growth of small businesses by offering micro-loans and life insurance products. As of March 31, 2019, the company operated through a network of 504 branches across less penetrated areas in North Central India, including Madhya Pradesh, Uttarakhand, Uttar Pradesh, Delhi, and Haryana.

Kinara Capital provides flexible loans without property collateral to small business entrepreneurs. The company is focused on lending to growing businesses that require funding for working capital, capital assets, and start-up needs. Kinara Capital focuses on industries such as agri-products, handicraft production, water, food, and energy. Kinara Capital provides personalized customer service with a fast turnaround time by blending data-driven insights with a human touch. Led by a women-majority management team, Kinara Capital has impacted over half a million lives in India. Kinara Capital was founded on 2011 and is headquartered in Bangalore, Karnataka, India.

Kinara Capital provides flexible loans without property collateral to small business entrepreneurs. The company is focused on lending to growing businesses that require funding for working capital, capital assets, and start-up needs. Kinara Capital focuses on industries such as agri-products, handicraft production, water, food, and energy. Kinara Capital provides personalized customer service with a fast turnaround time by blending data-driven insights with a human touch. Led by a women-majority management team, Kinara Capital has impacted over half a million lives in India. Kinara Capital was founded on 2011 and is headquartered in Bangalore, Karnataka, India.

Acceso Crediticio S.A., founded in 1999 and based in Lima, Peru, is a financial institution that specializes in providing car loans to base-of-the-pyramid entrepreneurs, particularly targeting informal taxi drivers in low-income urban areas. As a subsidiary of Acceso Corp. S.A., the company addresses the needs of an unbanked market segment that is often overlooked by traditional financial institutions. Acceso Crediticio offers tailored financial products that incentivize the use of clean energy vehicles, contributing to a reduction in CO2 emissions while supporting the livelihoods of its clients.

Microserfin is one of the leading NBFC-MFI in Panama. The institution has a solid track record of more than 26 years of activity in Panama, consolidating its foundational focus of improving the standard of living of low-income entrepreneurs and their families.

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 Private Limited is a non-banking financial company based in New Delhi, specializing in providing micro-credit services to women entrepreneurs in rural and semi-urban regions of India. Established in 1994, the company began its Greenfield operations in January 2010 and expanded its reach by acquiring the microfinance division of Aajeevika, which had a loan book of Rs 6.3 million and 1,280 members at the time of acquisition. Fusion Microfinance focuses on facilitating the establishment and growth of small businesses by offering micro-loans and life insurance products. As of March 31, 2019, the company operated through a network of 504 branches across less penetrated areas in North Central India, including Madhya Pradesh, Uttarakhand, Uttar Pradesh, Delhi, and Haryana.

Banco D-MIRO S.A., based in Guayaquil, Ecuador, is a financial institution dedicated to providing micro-financing services that promote development in vulnerable sectors along the Ecuadorian coast. Established from a microfinance program initiated in Trinitaria Island in 1997, Banco D-MIRO aims to uplift communities by offering individual micro-credits and savings opportunities. The institution has experienced significant growth, with its portfolio expanding from $380,000 in 2000 to $30 million by 2010, serving approximately 37,000 families. Recognizing the positive impact on quality of life, the organization transitioned to a regulated financial entity in 2011, gaining the necessary approvals to operate as a public limited company. Through its services, Banco D-MIRO seeks to empower individuals and families, enabling them to invest in their businesses and enhance their economic stability.

Crezcamos is a microfinance company that gives you easy and fast money. Crezcamos grew out of a non-profit microfinance program and was incorporated in 2008 as a limited liability company. Crezcamos has 43 offices across 9 districts in northern Colombia. The company operates in rural areas and targets micro and small entrepreneurs. It serves businesses with a maximum of 10 employees and assets up to 500 times the minimum monthly \salary. Crezcamos’ strategy has always been to expand in unbanked / underbanked areas of the country.

Janalakshmi Financial Services is a for-profit NBFC serving the urban underserved, with the promoter stake held in the not-for-profit entity Janalakshmi Social Services. This is the only NBFC in India structured in such a manner, with the deliberate intent of keeping the social spirit intact. Janalakshmi Financial Services' market-based approach to financial inclusion is defined by three distinct characteristics: first, an exclusive focus on servicing the needs of the urban poor; second, a strong customer-value driven approach in designing financial products and services; third, the centrality of technology and processes as the foundation of a scalable enterprise.

The ProCredit group is made up of development-oriented commercial banks operating in South Eastern and Eastern Europe and South America, as well as a bank in Germany. Based in Frankfurt, Germany, the parent company of the group, ProCredit Holding, is responsible for the strategic management, capital adequacy, reporting, risk management, and proper business organisation of the group and also acts as a superordinated company from a regulatory point of view. At consolidated level, the group is supervised by the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht or BaFin) and the Deutsche Bundesbank.

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 Finance PLC is a premier licensed finance company in Sri Lanka with its own unique identity. As one of the flagship entities of LOLC Group, we have remained rooted to bridge the gap between aspiration and achievement based on the unshakable foundation of uncompromising quality, complete customer satisfaction and unparalleled financial expertise. Having begun with what was then Sri Lanka's pioneer portfolio of financing solutions, LOLC Finance, by means of strategic alliances and bold approaches, has now become a beacon of empowerment to the masses, its services reaching grassroot level entrepreneurs, the SME sector and high-level corporate executives. This growth and diversification has led the company to move into areas such as Islamic Finance, Auto and SME Finance, Working Capital and Foreign Currency Business, with the agility to leverage evolving opportunities for growth, prosperity and success Today, the legacy of our company resonates the prowess of a dynamic entity - a stalwart in Sri Lanka’s rapidly evolving finance industry. Inspired by a vision to make a difference in the lives of the people of Sri Lanka, we aim to be innovative in developing new products and services as well as creating new markets, particularly in untapped regions of the country. Our business development is constantly aligned with emerging areas of growth with the expertise of our people, our alliances and our relationship with LOLC because we believe in delivering products that enhance lives, make dreams come true, fulfil long-held aspirations and empower our communities.

Contactar is a Colombian microfinance institution (MFI) that uses the microfinance platform to deliver an array of services to microentrepreneurs living in the southern region of the country. While the organization initially targeted a more urban clientele, the organization’s focus has shifted over time to serve predominantly clients in rural areas who lack access to credit and non-financial services needed to lift themselves out of poverty.

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, S.A. de C.V., S.F.P. provides financial services and products in Mexico. The company offers group, solidary, and individual loan, as well as health and other insurance solutions. It also offers loans to support the development of micro-businesses. The company was founded in 1993 and is headquartered in Mexico City, Mexico.