KFW DEG

Oze is a technology company focused on bringing small and medium-sized enterprises (SMEs) in Africa into the digital age. It offers an application that allows businesses to easily track sales, expenses, and customer information. By analyzing this data, Oze provides tailored recommendations and business education to help entrepreneurs improve their operations. The platform also connects users with Oze Coaches for additional support, enhancing their learning experience. With over 150,000 registered users, Oze claims to be the largest online community of SMEs in West Africa. The company leverages machine learning to assess credit risk, enabling it to offer affordable capital through banking partners. Notably, 97% of businesses that have utilized Oze for at least nine months report growth or profitability, indicating the effectiveness of its services in fostering business success.

Axian Group, a family office established 150 years ago in Madagascar, focuses on fostering social and economic development in emerging economies. Its investment unit, created in 2015 and based in Antananarivo, aims to support the infrastructure sector in Madagascar. By providing financial assistance to small and medium enterprises, Axian Group facilitates their growth and expansion. The organization also seeks opportunities in emerging markets to diversify its core operations, underscoring its commitment to sustainable development and economic progress in the region.

Khan Bank is a universal bank based in Mongolia, providing a wide range of banking and financial services to consumers, small and medium enterprises, and corporate clients. The bank offers various products including consumer loans, mortgage loans, herd loans, and business loans. In addition to traditional lending, Khan Bank provides internet and telephone banking services, banking card services, and facilitates foreign payments. The institution also engages in insurance brokerage services, aiming to support customers in their financial growth and contribute positively to societal well-being.

Avla is an insurance group that specializes in providing comprehensive financial solutions tailored for small and medium-sized enterprises (SMEs). The company offers a range of products, including surety, trade credit, SME credit, and mortgage credit solutions, which help connect SMEs with investors while ensuring protection for credit lines through insurance policies. In addition to facilitating access to judicial guarantees for SMEs, Avla aims to enhance the credibility of performance guarantee insurance, addressing challenges related to lengthy legal processes and the risk of non-payment of claims. The company's focus on financial guarantees, technical guarantees, and credit insurance underscores its commitment to supporting the financial needs of SMEs.

Ecobank Transnational Incorporated, established in 1985 and headquartered in Lomé, Togo, provides a range of retail, corporate, and investment banking services across Africa and internationally. Its operations include Corporate & Investment Banking, Commercial Banking, and Consumer Banking, offering products such as current and savings accounts, loans, cards, and digital banking services. The bank serves a diverse clientele, including individuals, small and medium enterprises, multinationals, government agencies, and non-governmental organizations. With a network of 888 branches and over 2,460 ATMs, Ecobank facilitates various financial services, including treasury, cash management, remittance, and bancassurance. Subsidiaries such as Ecobank Nigeria Limited and Ecobank Zimbabwe Limited extend its services, focusing on commercial and retail banking tailored to local markets.

Established in Krung Thep, Thailand in 2004 by Wanit Chaiyawan, Thai Credit Retail Bank is a commercial bank committed to sustainable banking practices. It focuses on promoting environmental sustainability, social responsibility, employee well-being, and good governance through its operations and services. The bank specializes in providing micro and small business loans, with a significant portion of its revenue generated from this segment.

LulaLend is more than a company. It’s a belief in the power of small business, making a difference, building a better solution and striving for excellence. We work hard to empower businesses across South Africa with the funds they need to grow, and we have a great time doing it!

SimuSolar is dedicated to enhancing rural prosperity in Sub-Saharan Africa by providing and financing productive equipment for farmers and small businesses. The company specializes in energy-efficient, solar-powered solutions tailored for off-grid operations, including solar lights, irrigation systems, cold storage, and other tools that support agricultural and fishing activities. By offering innovative financing options, SimuSolar enables access to these essential technologies through flexible monthly payment plans, often facilitated by mobile money applications. This approach not only meets the specific needs of rural smallholders but also fosters sustainable economic growth in the region.

agriBORA operates a technology-driven platform focused on enhancing smallholder farming in Africa. The company integrates farming inputs, financial services, and output markets to create an end-to-end ecosystem for farmers. By combining data-driven services and digital tools with human touch, agriBORA aims to reduce risks associated with smallholder agriculture systems, improve farm productivity, and facilitate efficient trading within the sector.

HelloDuty is a technology company specializing in Lead to Cash automation for small to medium-sized businesses. It offers a customer management system that facilitates the collection, analysis, and interpretation of customer data. The platform integrates with popular social media channels such as Facebook, WhatsApp, Instagram, and TikTok, enabling businesses to funnel leads directly into its customer relationship management (CRM) system. Through the use of automated bots and agents, HelloDuty engages with potential customers, converting leads into orders efficiently. The system also includes features like automatic interactive voice response and unstructured supplementary service data, enhancing the overall customer engagement and analysis process.

liwwa, Inc. is a peer lending platform based in Amman, Jordan, established in 2013. The company connects small and medium-sized enterprises (SMEs) seeking capital with individual and institutional investors looking to diversify their investment portfolios. Through its platform, liwwa enables borrowers to apply for small business loans, facilitating access to necessary funds while allowing investors to earn regular monthly returns. The company conducts in-house evaluations of borrowers' creditworthiness and employs a lease-to-own model that provides interest-free returns for investors. By focusing on the MENA region, liwwa aims to enhance capital access for small businesses and create investment opportunities for individuals and institutions.

Founded in 2012, Tugende is a Ugandan company that provides finance and business assets to informal sector entrepreneurs and micro, medium, and small-sized enterprises. It offers lease-to-own financing for income-generating assets such as motorcycles (bodas), taxis, matatus, boat engines, and other equipment like smartphones, salon gear, shop fridges, and sewing machines. Tugende also provides value-added services including insurance, safety training, GPS tracking, and genuine parts.

Pezesha is a digital financial marketplace based in Nairobi, Kenya, founded in 2016. The company focuses on connecting small and medium-sized businesses (SMBs) to various financial resources, including working capital, float financing, and LPO financing. By leveraging credit and data analytics, Pezesha facilitates affordable credit options for underserved micro-businesses, enabling them to access the formal financial system. The platform serves as a bridge between lenders and low-income borrowers, promoting a shared economy and broadening financial access for SMBs. Through its innovative approach, Pezesha aims to be a leading player in Africa's digital financial landscape, enhancing the growth potential of small businesses across the region.

Shamba Pride is a technology company that connects smallholder farmers in Africa with essential agricultural products, services, and information via its online-to-offline platform. It empowers agro input distributors with tools to enhance service quality, offering upscaling programs, financial management assistance, soil testing, and logistics support.

Annapurna Finance is a microfinance company dedicated to the financial and economic upliftment of underserved women and economically backward clients. The firm focuses on expanding microfinance operations in areas that remain outside the formal financial system, providing essential financial and technical support to help clients develop entrepreneurial skills and engage in business activities. Annapurna Finance offers a range of services, including micro-loans for clean water, sanitation, home improvement, support for widowed families, and small businesses. Additionally, the company provides customized insurance plans tailored to the specific needs of its clients, ensuring that they receive the financial assistance necessary for economic empowerment throughout various stages of their lives.

BCP Bank Mauritius is a full-service bank in Mauritius offering a broad range of retail and corporate financial services. It serves individuals, professionals, small and medium-sized enterprises, and international clients, delivering products and services such as savings and current accounts, deposits, various loan facilities, and financing options including term loans, working capital, trade finance, and syndicated lending. The bank provides payments and cash management, treasury services, letters of credit and documentary remittance, foreign exchange, and private banking, along with related offerings like bank guarantees, debit cards, and insurance products. With a nationwide branch network, the bank operates in domestic and international markets and emphasizes trade, treasury, and financing solutions for businesses and individuals.

Khan Bank is a universal bank based in Mongolia, providing a wide range of banking and financial services to consumers, small and medium enterprises, and corporate clients. The bank offers various products including consumer loans, mortgage loans, herd loans, and business loans. In addition to traditional lending, Khan Bank provides internet and telephone banking services, banking card services, and facilitates foreign payments. The institution also engages in insurance brokerage services, aiming to support customers in their financial growth and contribute positively to societal well-being.

BizCapital is a financial services provider that specializes in offering loans to small and micro businesses that lack access to traditional banking institutions. The company employs a digital evaluation system that quickly analyzes and ranks loan requests, allowing for rapid funding decisions. By leveraging technology, BizCapital streamlines the loan application process, enabling clients to secure the necessary funds to support their business operations efficiently through an online lending platform.

PT Indosurya Inti Finance is one of the financial institution entities under the auspices of Indosurya Group which is engaged in finance and property in Indonesia for more than 30 years.We are the first Multifinance Company in Indonesia that focuses on providing small and medium business (SME) financing facilities, as a form of our commitment to support economic growth, especially in the small and medium business sector which is evenly distributed to the people in Indonesia.

LivFin is a non-banking financial company registered with the Reserve Bank of India, specializing in providing financial services to small and medium enterprises (SMEs). The company offers a range of products, including small business loans, supply chain finance, and working capital loans. By focusing on collateral-free credit, LivFin aims to meet the unique needs of small business owners, facilitating access to essential funding for their operations. Additionally, LivFin has developed a loan management platform that streamlines the provision of short-term financing solutions, such as purchase and sales invoice finance, thereby supporting SMEs in securing the necessary working capital to thrive in a competitive market.

Sky.Garden is an e-commerce platform based in Nairobi, Kenya, founded in 2015, that empowers businesses to sell products to targeted audiences across Africa. The platform caters to a diverse range of users, including informal traders, small and medium enterprises, and established businesses. It provides a comprehensive solution for inventory management, allowing retailers to easily upload products, set prices, and manage stock levels. Sky.Garden also facilitates immediate payment reconciliation and offers integrated local shipping and payment options, streamlining operations for its users. By enhancing control over inventory and sales processes, Sky.Garden aims to simplify the e-commerce experience for African retailers.

Suryoday Small Finance Bank Limited is a small finance bank based in Navi Mumbai, India, focused on promoting financial inclusion by serving unserved and underserved populations. Established in 2008, the bank provides a diverse range of services, including savings and current accounts, fixed deposits, and a variety of loan products such as home loans, vehicle financing, and loans for micro, small, and medium enterprises. Additionally, it offers insurance products, pension schemes, and digital banking services, including UPI payments and mobile banking. The bank operates through various segments, with retail banking being its primary revenue source. With a network of 482 banking outlets across multiple states and union territories, Suryoday Small Finance Bank aims to empower economically challenged individuals, particularly women, by facilitating access to essential financial services and contributing to poverty alleviation in its areas of operation. Formerly known as Suryoday Micro Finance Limited, it rebranded in January 2017 to reflect its broader banking capabilities.

Essmart is an essential technology distributor operating since 2011. It improves rural retail shops' access to life-enhancing technologies like solar lanterns and water filters in southern India by aggregating products, distributing them locally, and facilitating manufacturers' warranties.

M-BIRR Limited is a fintech company based in Dublin, Ireland, established in 2001. It provides mobile banking services primarily through its flagship platform, M-BIRR, which enables financial institutions in Ethiopia to offer a range of mobile money services. This includes domestic money transfers, cash management, loan and savings repayments, and international remittance services. M-BIRR has established itself as the leading mobile financial service in Ethiopia, known for its extensive distribution network and high transaction volumes. The platform allows users to deposit and withdraw money from mobile wallets, pay utility bills, and facilitate offline purchases, thereby enhancing financial accessibility for both urban and rural customers. Additionally, M-BIRR offers consulting services in business, marketing, and strategy.