Finnfund

Netwey is a telecommunications company based in Mexico City that provides a range of internet services, including mobile internet, home internet, and telephony. The company focuses on delivering affordable internet solutions to low-income families, aiming to bridge the digital divide in the region. In addition to traditional internet offerings, Netwey also provides prepaid internet and online recharge options, enhancing accessibility for its customers.

fibertime™ is an information technology company.

Xac Bank is the fourth largest bank in Mongolia with a loan portfolio of 395M USD, serving 298,000 borrowers and savers clients and deriving a yearly ROE of 22%. Xac Bank has demonstrated its ability to adapt to a fast growing and fast changing economic environment in Mongolia, on the back of a booming mining industry, and has re-focused its operations away from microfinance to SME, consumer lending and mortgages. In order to manage the associated risk, the bank has heavily invested in systems and human capabilities in order to serve the increasing need of underserved SMEs and urban as well as rural population. Xac Bank has also built an in-house mobile platform currently under upgrade in order to better serve the needs of its customers. Xac Bank is actively involved in deploying government and developmental funds to provide easier access to low cost housing and environment friendly energy to the lower layers of the Mongolian population. Finally, Xac bank is constantly providing non-financial services to the community under the form of financial literacy programs and business support to its lowest income customers via association with NGOs.

Cassava Technologies is a pioneering integrated technology company in Africa, focused on enhancing social mobility and economic prosperity across the continent. The company offers a diverse range of products and services, including fiber broadband networks, data centers, renewable energy solutions, cloud services, cybersecurity, fintech, and digital platforms. By developing a cross-border fiber optic network, Cassava Technologies aims to provide reliable connectivity and digital alternatives, empowering individuals and businesses to thrive in the digital age. Guided by an experienced management team, the company's initiatives are designed to drive economic growth and foster a more connected Africa.

Beacon Power Services, founded in 2013 and based in Lagos, Nigeria, specializes in energy management solutions for commercial and industrial facilities. The company employs a data-driven approach, utilizing its AI-enabled grid management platform, Adora, to provide real-time visibility into network performance for power distribution companies. This software connects to utility assets and customer nodes, enabling energy providers to anticipate outages, identify network losses, and enhance electricity distribution efficiency. Beacon Power Services develops comprehensive power generation and management plans tailored to clients' specific needs, incorporating generator resizing, peak shaving, automation, appliance upgrades, and renewable generation installations. The company's mission is to improve the quality and reliability of electricity supply in African cities by building smart grids and addressing inefficiencies in electricity distribution systems, ultimately reducing energy costs for its clients.

Access Bank, established in 1988 and headquartered in Lagos, Nigeria, is a commercial bank that offers a wide range of banking products and services to individual and business customers. The bank operates in Ghana and provides various accounts, including standard savings and current accounts, as well as specialized options such as access advantage and premier accounts. Access Bank also offers online banking services, facilitating ATM transactions, online access, point-of-sale terminal services, bill payments, and Western Union money transfers. In addition to personal banking, the bank provides corporate and investment banking, commercial and business banking services, along with mortgage loans and sustainable international banking solutions.

AwanTunai is a fintech company based in Jakarta Timur, Indonesia, founded in 2017. It focuses on transforming the Indonesian banking sector by providing a mobile application that grants micro merchants access to loans for working capital, particularly targeting those who lack access to traditional banking products. The platform digitizes the fast-moving consumer goods (FMCG) supply chain by facilitating online ordering, customer management, payment acceptance, and inventory management. AwanTunai monetizes its services primarily through embedded financing for inventory purchases within its integrated ecosystem, which connects borrowers with lenders. As a regulated fintech institution, it manages the full lifecycle of bank-compliant loan assets and collaborates with global insurance companies to offer micro-insurance protection. This approach aims to enhance financial accessibility and improve the welfare of consumers in Indonesia.

Hewatele is a social enterprise focused on supplying affordable medical oxygen to underserved patients, particularly in remote areas of Africa. Collaborating with affiliates such as CPHD and Mediquip Global, the company aims to enhance access to emergency healthcare by delivering essential oxygen for medical and surgical needs. Its services cater to public hospitals, private not-for-profit hospitals, and individual patients, ensuring that everyone can receive the life-saving oxygen they require at an accessible cost.

Hewatele is a social enterprise focused on supplying affordable medical oxygen to underserved patients, particularly in remote areas of Africa. Collaborating with affiliates such as CPHD and Mediquip Global, the company aims to enhance access to emergency healthcare by delivering essential oxygen for medical and surgical needs. Its services cater to public hospitals, private not-for-profit hospitals, and individual patients, ensuring that everyone can receive the life-saving oxygen they require at an accessible cost.

Ipak Yuli Bank is a private commercial bank located in Uzbekistan, offering a range of financial services to individuals, small and medium-sized businesses, and large corporations. The bank's operations encompass retail, commercial, and corporate banking activities, including loans, guarantees, deposit-taking, and securities operations. Additionally, Ipak Yuli Bank facilitates foreign exchange operations and money transfers. With a network of 16 branches and 36 express centers spread across eight regions of Uzbekistan, the bank aims to provide accessible and comprehensive financial solutions to its diverse clientele.

Kentegra Biotechnology Holdings is a leading U.S-Kenyan company that supports a Kenyan-based biopesticide processing business that aggregates, extracts, and refines pale refine extract (PRE) from the pyrethrum flower, and sells the PRE to formulators across the world. Kentegra is committed to improving farmer’s livelihoods by investing in the communities where we are working to help farmers and their families have a more stable income and better quality of life. Grants: Norad 2021, AgriFi 2020, USAID 2020, USAID 2019, DEG 2020, DEG 2019

Kasha is a Rwanda-based e-commerce company, established in 2016, that operates in Rwanda and Kenya. It specializes in distributing a wide range of personal care and health products tailored to women, including menstrual care, sexual health items, pharmaceuticals, and mom and baby care products. Kasha's online platform ensures accessibility to these products in both urban and rural areas, promoting women's health and well-being at various life stages.

Satya MicroCapital Limited is a non-banking financial company based in New Delhi, India, specializing in micro financing services. Founded in 1995 and formerly known as TFC Finvest Limited, the company focuses on providing small-value unsecured loans to low-income customers in urban, semi-urban, and rural areas. With operations initiated in November 2016, Satya MicroCapital has established a network of 152 branches, offering collateral-free credit primarily to micro enterprises, especially targeting women entrepreneurs. The company employs a robust credit assessment process and a centralized approval system to facilitate lending, thereby enhancing financial inclusion. Satya MicroCapital aims to support the growth of micro enterprises and improve liquidity for small business owners, contributing to economic transformation and empowerment in underserved communities.

HealthifyMe is a fitness application designed to help users achieve their health and weight loss objectives through their computers and smartphones. Launched in 2012 by a team of doctors, nutritionists, and fitness trainers in Bangalore, India, the app allows users to track their calorie intake, monitor nutrition and fitness activities, and assess their weight to determine overall health. With features that enable users to set and work towards healthy goals, the platform also facilitates data sharing with experts, who provide personalized advice and recommendations. The application is enhanced by an artificial intelligence-powered fitness coach that leverages automated analytics, making it easier for users to receive tailored online fitness consultations and achieve their health aspirations.

Africa Mobile Networks Ltd is a company focused on financing, building, and operating mobile network base stations in the Sub-Saharan Africa region, with the aim of connecting rural populations that lack access to mobile services. Established in 2013 and headquartered in Milton Keynes, United Kingdom, the company employs a combination of low power Base Transceiver Station (BTS) transmitters and Very Small Aperture Terminal (VSAT) satellite technology. This infrastructure directs traffic onto existing networks and is powered by solar panels, promoting sustainability. Africa Mobile Networks also engages in identifying opportunities within individual countries, developing business plans, and collaborating with local stakeholders to establish operational frameworks. This approach allows mobile network operators to expand their subscriber base and generate new revenue streams without significant capital expenditure.

Igloo is a full-stack insurtech firm based in Singapore, with additional offices across Southeast Asia, including Indonesia, Thailand, the Philippines, Vietnam, and Malaysia, as well as tech centers in China and India. Founded with the mission to make insurance accessible for all, Igloo utilizes artificial intelligence and big data for real-time risk assessment and automated claims management. The company specializes in business-to-business-to-consumer insurance solutions, providing services that help platform and insurance companies mitigate operational risks, generate new revenue streams, and enhance existing products and services. Igloo has established partnerships with over 55 prominent brands across various industries, including telecommunications, e-commerce, hospitality, health tech, and financial services, demonstrating its commitment to innovation and accessibility in the insurance sector.

KaiOS Technologies, Inc., founded in 2014 and based in San Diego, California, specializes in designing and developing mobile operating systems tailored for affordable digital devices. Its flagship product, KaiOS, powers a range of lite phones and Internet of Things (IoT) devices, providing users with a rich experience despite limited memory requirements. The operating system supports essential features such as 4G/LTE, Wi-Fi, GPS, and NFC, and is optimized for non-touch phones, making it accessible to a wide audience in both developed and emerging markets. KaiOS includes an app store based on HTML5, allowing users to access popular applications from partners like Facebook, Google, YouTube, and Twitter. The system is designed to operate efficiently with minimal resources, functioning on devices with as little as 256 MB of RAM. With additional offices in Hong Kong, Taiwan, China, India, France, and Brazil, KaiOS Technologies is committed to fostering a global ecosystem of affordable digital products and services.

Vinfast is the automotive brand of Vietnamese conglomerate, VinGroup. VinFast envisioned to drive the movement of the global smart electric vehicle revolution. Established in 2017, VinFast owns a state-of-the-art automotive manufacturing complex with globally leading scalability that boasts up to 90% automation in Hai Phong, Vietnam. Strongly committed to the mission for a sustainable future for everyone, VinFast constantly innovates to bring high-quality products, advanced smart services, seamless customer experiences, and pricing strategy for all to inspire global customers to jointly create a future of smart mobility and a sustainable planet.

Wave Mobile Money is a financial technology company focused on providing app-based solutions for saving, transferring, and borrowing money in Africa. With a mission to create the first cashless continent, Wave aims to address the challenge of limited access to banking services, as less than 10% of the African population has a bank account. The company is developing an inclusive financial network that offers no account fees and allows for instant transactions, making it accessible to a broader audience. By leveraging technology, Wave is creating affordable financial services that enable individuals to manage their money effectively, thereby fostering economic empowerment and contributing to poverty alleviation. Its platform supports various services, including deposits, withdrawals, bill payments, and money transfers, facilitating cashless transactions for users and businesses alike.

Lona is a manufacturer and exporter of citrus products based in Cape Town, South Africa. The company specializes in a diverse range of agricultural products, including grapefruit, mangoes, grapes, pears, plums, avocados, pomegranates, lemons, and oranges, as well as various vegetables. Through its operations, Lona aims to deliver high-quality produce to international markets, leveraging South Africa's favorable climate for citrus cultivation.

Valency International is a global commodities trading company, specializing in the sale and purchase of a wide array of products, including agriculture, fertilizer, industrial, and other commodities. It serves diverse industrial sectors by facilitating the trade of steel, iron ore, fertilizers, raw nuts, timber chemicals, and agricultural products, aiming to provide clients with affordable and reasonable pricing.

TPL Insurance Limited is a prominent provider of general insurance products and services in Pakistan, offering a diverse range of coverage options including auto, home, health, travel, fire, marine, and engineering insurance, as well as Takaful solutions. Established in 1992 and headquartered in Karachi, the company caters to various customer needs with products such as mobile insurance, cyber risk coverage, and workmen compensation. TPL Insurance also emphasizes customer convenience through its top-rated mobile app, which facilitates policy issuance, claim filing, and online payments, supported by a 24/7 contact center. The company manages its reinsurance treaties with leading global reinsurers and has received an AA financial stability rating from PACRA, underscoring its strong financial foundation. As a subsidiary of TPL Corp Limited, TPL Insurance continues to enhance its offerings and customer experience in the insurance sector.

D.light is a developer of solar home lighting and power products aimed at making clean energy accessible and affordable for rural and semi-urban populations. The company's offerings include a range of solar-powered devices such as lights, radios, televisions, fans, and other home appliances, all of which are part of rechargeable solar kits. These products are designed to improve health, increase productivity, and enhance the overall quality of life for users by providing reliable and sustainable energy solutions.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

CIM Sante is a Moroccan private healthcare group that develops cardiac catherization. CIM Sante Group is made of 3 clinics namely The Heart and Vascular Diseases Clinic in Rabat(1994), The International Clinic of Marrakech (2011), The International Clinic of Tangier(2020). CIM Santé Group also radiology and laundry service companies in partnership in medical laboratories.

Twiga Foods Ltd. is a mobile-based supply platform that caters to retail outlets, kiosks, and market stalls across Africa. Founded in 2013 and headquartered in Nairobi, Kenya, the company facilitates a cashless, business-to-business supply chain that connects small and medium-sized vendors with essential agricultural products. Twiga Foods enables vendors to order a variety of supplies, including bananas, pineapples, and tomatoes, through its innovative platform, streamlining the distribution process in urban markets. This approach not only enhances efficiency but also supports local businesses by improving access to quality produce.

Advans Microfinance Network is an international microfinance group that supports small businesses and underserved populations in Africa, the Middle East, and Asia. Founded in 2005 and headquartered in Luxembourg, Advans focuses on providing a range of financial services, including microloans, SME loans, insurance, and fund transfers. The organization aims to strengthen local businesses and improve living standards, contributing to private sector-led economic and social development. Advans operates through various microfinance institutions, such as Advans Tunisie, which offers tailored financial solutions to retailers, artisans, small industries, and farmers. By addressing the financial needs of these groups, Advans plays a crucial role in fostering entrepreneurship and job creation in the regions it serves.

Bandwidth and Cloud Services Group offers essential backhaul data and cloud services tailored for mobile operators and internet service providers in East Africa, specifically in Kenya, Tanzania, and Uganda. The company specializes in managed VOIP, hosting, and co-location services, enhancing the connectivity and digital capabilities of its customers. By investing in infrastructure such as the East African Marine System, Bandwidth and Cloud Services Group plays a vital role in improving internet accessibility and reliability in the region, thereby adding significant value to the daily lives of the population. Its services not only support operational efficiency for clients but also contribute to the growing demand for bandwidth in the area.

EthioChicken operates as a poultry production company in East Africa, with its primary entities being AGP Poultry PLC, Mekelle Farms Ltd, and Andasa Poultry PLC. The company focuses on breeding and hatching day-old chickens, as well as producing affordable blended feed. By partnering with smallholder farmers, EthioChicken aims to improve nutrition and enhance the livelihoods of rural farmers, while also creating income opportunities in the region. The company’s efforts contribute to making poultry products more accessible, thereby supporting local economies and food security.

Kashf Foundation, established in 1996, is a leading microfinance institution in Pakistan dedicated to empowering poor women and their families through financial services. The foundation has disbursed $202 million in loans, reaching over one million individuals and providing them with access to essential financial capital. Its offerings include general, business, and home improvement loans, along with insurance products, all aimed at improving the economic status of low-income households. By focusing on women's economic self-reliance, Kashf Foundation fosters entrepreneurship and enhances the overall well-being of its clients.

SPARK Schools, founded in 2012 and based in Johannesburg, South Africa, operates a network of educational institutions designed to enhance student learning and achievement. The schools utilize a blended learning model that combines engaging classroom instruction with personalized support in dedicated Learning Labs. This approach is complemented by strong partnerships with families and the community, as well as ongoing professional development for teachers and school leaders. SPARK Schools aims to prepare students for university and successful careers by emphasizing academic excellence, creative thinking, and core values such as cooperative citizenship and a love of learning. Through adaptive software and individualized learning strategies, SPARK Schools provides students with the necessary tools and training to advance in their educational and career paths.

Starsight Energy specializes in providing clean energy solutions to commercial and industrial clients across Africa, focusing on both on-grid and off-grid services. The company offers sustainable solar power and energy efficiency services, along with cooling solutions. By employing a team of experienced engineers, Starsight Energy customizes energy storage systems to meet specific application needs and budget constraints. This approach enables clients to achieve significant cost savings while also reducing their carbon emissions. Notably, Starsight Energy eliminates upfront costs by allowing clients to pay a monthly fee for comprehensive services, making clean energy a financially viable choice.

Starsight Energy specializes in providing clean energy solutions to commercial and industrial clients across Africa, focusing on both on-grid and off-grid services. The company offers sustainable solar power and energy efficiency services, along with cooling solutions. By employing a team of experienced engineers, Starsight Energy customizes energy storage systems to meet specific application needs and budget constraints. This approach enables clients to achieve significant cost savings while also reducing their carbon emissions. Notably, Starsight Energy eliminates upfront costs by allowing clients to pay a monthly fee for comprehensive services, making clean energy a financially viable choice.

Proximity Designs is a non-profit organization founded in 2004 that focuses on improving the livelihoods of farmers in Myanmar through innovative agricultural solutions. The organization designs and manufactures a range of farming equipment, including sprinklers, solar irrigation pumps, and hand-powered water pumps. In addition to its agricultural products, Proximity Designs offers agronomy advisory services, social services, and agricultural financing through Proximity Finance, a microfinance institution that currently serves approximately 100,000 households with plans to expand significantly in the coming years. The organization aims to promote sustainable farming practices and enhance economic opportunities for rural communities in Myanmar. Headquartered in South Pasadena, California, it also operates an office in Yangon, Myanmar.

ETG, established in 1967, is one of the largest and fastest growing integrated agricultural conglomerates in sub-Saharan Africa, importing and exporting soft commodities to and from 48 countries including Tanzania, Kenya, Malawi, Mozambique, Nigeria and South Africa. It also has supply chain operations in China, India, America, Middle East, and South East Asia; merchandising desks in Europe, and; treasury companies in Singapore, Mauritius and UAE. Globally, ETG is present across 48 countries. ETG runs its business under five business verticals: 1. Fertilizer and Farm Inputs: ETG is one of the largest importers and distributors of fertilizers and farm inputs in sub-saharan africa 2. Cash traded products: Pulses, Sesame seed, Cashew and Rice are key commodities in this vertical. ETG is the world largest trader and processor of Pulses as well as world largest trader for raw cashew nuts. 3. Exchange traded commodities: Grains & oilseeds, sugar, coffee, cocoa, maize and soybean are key products in this segment. ETG is one of the major players for maize and soybean in sub-shara africa 4. Consumer Branded (Vamara): ETG operates multiple processing plants across 14 countries to manufacture products that are targeted to African consumers. ETG has 22 brands in its portfolio that offers products from vegetable cooking oil, condiments, and spreads, etc. 5. Logistics: ETG operates a very successful and integrated Logistics platform. ETG has a network of more than 400+ warehouses across 32 countries and a fleet of more than 900 trucks. ETG provided end-to-end Logistics services across sub-Sahara Africa.

Kasha is a Rwanda-based e-commerce company, established in 2016, that operates in Rwanda and Kenya. It specializes in distributing a wide range of personal care and health products tailored to women, including menstrual care, sexual health items, pharmaceuticals, and mom and baby care products. Kasha's online platform ensures accessibility to these products in both urban and rural areas, promoting women's health and well-being at various life stages.

Nafoods Group is a prominent agricultural company based in Vietnam, specializing in the cultivation and processing of fruits and vegetables. The company produces a diverse range of products, including fresh fruits, fruit juice concentrates, purees, IQF (Individually Quick Frozen) items, and dried fruits. Nafoods Group aims to deliver natural and healthy agricultural products to consumers worldwide while focusing on enhancing the livelihoods of farmers. The company exports its products to various international markets, including Europe, the United States, Japan, and South Korea, thereby establishing a significant global presence in the agricultural sector.

Fuzu Ltd is an online coaching and recruitment platform founded in 2013 and based in Helsinki, Finland. It operates a mobile-first career development platform that primarily serves users in emerging economies, including regions in Africa, the Middle East, Asia, and Latin America. Fuzu offers a unique approach to job-seeking and recruitment by focusing on skill development and competency testing. The platform engages users through high-quality content and news while leveraging social networks for effective career management. Additionally, Fuzu connects job-seekers with employers and provides career planning courses, along with tailored job recommendations based on individual interests and personalities, facilitating efficient recruitment and talent development for employers.

Yalelo Limited is a leading aquaculture firm based in Lusaka, Zambia, specializing in the breeding, production, and sale of tilapia fish. Founded in 2011, Yalelo has positioned itself as a pioneer in the Zambian fisheries sector, addressing the challenges faced by wild-capture fisheries through sustainable practices. The company cultivates tilapia in the pristine waters of Lake Kariba, utilizing locally sourced, non-GMO fish feed and maintaining a robust cold chain to ensure product quality. By focusing on environmentally friendly methods, Yalelo provides affordable, fresh fish to customers across the nation, significantly enhancing the consumer experience and contributing to the development of sustainable fisheries resources in Africa.

Maarifa Education is a private tertiary education holding company focused on enhancing academic quality and access to education across Africa. Founded by its management team with support from ECP, the company aims to develop and operate universities that serve citizens in various African nations. As of 2016, Maarifa had invested in two universities located in Uganda and Zambia, enrolling approximately 6,000 students. The company’s vision is to provide high-quality, market-relevant tertiary education to over one million Africans within the next thirty years. The management team at Maarifa possesses extensive experience in the education sector, having previously worked with notable global institutions. Their commitment to improving educational outcomes is evident in their efforts to upgrade IT systems, increase institutional capacity, and foster employment, entrepreneurship, and ethical leadership among students.

Starsight Energy specializes in providing clean energy solutions to commercial and industrial clients across Africa, focusing on both on-grid and off-grid services. The company offers sustainable solar power and energy efficiency services, along with cooling solutions. By employing a team of experienced engineers, Starsight Energy customizes energy storage systems to meet specific application needs and budget constraints. This approach enables clients to achieve significant cost savings while also reducing their carbon emissions. Notably, Starsight Energy eliminates upfront costs by allowing clients to pay a monthly fee for comprehensive services, making clean energy a financially viable choice.

Access Bank, established in 1988 and headquartered in Lagos, Nigeria, is a commercial bank that offers a wide range of banking products and services to individual and business customers. The bank operates in Ghana and provides various accounts, including standard savings and current accounts, as well as specialized options such as access advantage and premier accounts. Access Bank also offers online banking services, facilitating ATM transactions, online access, point-of-sale terminal services, bill payments, and Western Union money transfers. In addition to personal banking, the bank provides corporate and investment banking, commercial and business banking services, along with mortgage loans and sustainable international banking solutions.

Africado is an avocado plantation at the foot of the Kilimanjaro in Tanzania. Established in 2007, Africado has developed and grown a business from start up to becoming the largest fruit exporter in Tanzania, producing and exporting Hass avocado to the EU. The company works with over 2,000 small scale out-growers. Norfund provided 40% of the equity required for the project.

Jumo is a fintech company that specializes in providing banking technology aimed at enhancing financial access in emerging markets, particularly in Africa and Asia. The company partners with banks to deliver loans, savings, and various financial services to traditionally underserved customers. By utilizing artificial intelligence and machine learning, Jumo develops credit scores and financial products tailored to individual needs. Their platform also employs behavioral data from mobile usage to establish financial identities for small and medium enterprises, allowing customers to engage with financial services in a cost-effective and responsible manner. Jumo offers essential reporting, analytics, and insights to its partners, facilitating improved service delivery and financial choices for their clients.

Jumo is a fintech company that specializes in providing banking technology aimed at enhancing financial access in emerging markets, particularly in Africa and Asia. The company partners with banks to deliver loans, savings, and various financial services to traditionally underserved customers. By utilizing artificial intelligence and machine learning, Jumo develops credit scores and financial products tailored to individual needs. Their platform also employs behavioral data from mobile usage to establish financial identities for small and medium enterprises, allowing customers to engage with financial services in a cost-effective and responsible manner. Jumo offers essential reporting, analytics, and insights to its partners, facilitating improved service delivery and financial choices for their clients.

Jumo is a fintech company that specializes in providing banking technology aimed at enhancing financial access in emerging markets, particularly in Africa and Asia. The company partners with banks to deliver loans, savings, and various financial services to traditionally underserved customers. By utilizing artificial intelligence and machine learning, Jumo develops credit scores and financial products tailored to individual needs. Their platform also employs behavioral data from mobile usage to establish financial identities for small and medium enterprises, allowing customers to engage with financial services in a cost-effective and responsible manner. Jumo offers essential reporting, analytics, and insights to its partners, facilitating improved service delivery and financial choices for their clients.

Penda Health Limited operates a network of outpatient medical centers in Kenya, specifically in Umoja and Kitengela, focused on providing high-quality and affordable healthcare to middle- and low-income families. Founded in 2011, Penda Health offers a wide range of services, including general consultations, specialty consultations by OB/GYNs, diagnostics, lab services, and pharmacy services. The company utilizes advanced technology, including AI-powered tools, to enhance clinical decision-making and improve patient outcomes. Recognized for its patient-centered approach, Penda Health emphasizes operational excellence and community impact, having successfully served millions of patients. Its commitment to accessible and effective healthcare has established Penda Health as a trusted brand in Africa's healthcare landscape.

Mobisol GmbH is a Berlin-based company that specializes in the development and installation of solar home systems, aimed at providing clean and affordable electricity to low-income customers without access to conventional power sources. Founded in 2010, Mobisol offers modular solar energy solutions that power LED lights, radios, mobile phones, and various household appliances, along with productive use devices. The company combines solar technology with an innovative repayment scheme facilitated through mobile banking, making it accessible for its target market. With additional offices in Tanzania, Rwanda, and Kenya, Mobisol focuses on delivering a sustainable alternative to fossil fuels, enhancing energy access and promoting environmental sustainability in developing nations. As of October 31, 2019, Mobisol operates as a subsidiary of ENGIE SA.

Sanergy, established in 2010, operates in Nairobi, Kenya, focusing on providing affordable and accessible sanitation solutions in urban slums. The company constructs and franchises low-cost sanitation centers offering toilets and hot showers, which are financed through local microfinance banks. Sanergy collects and processes human waste daily, converting it into biogas for electricity generation and organic fertilizer for sale to farms. Additionally, it collects organic waste from local businesses, transforming it into insect-based animal feed. By creating a circular economy, Sanergy promotes hygiene, reduces environmental pollution, and empowers local entrepreneurs.

Regen Organics is dedicated to transforming agriculture, cities, and communities through circular economy practices. The company focuses on managing residual organics and specializes in the production of regenerative fertilizers, feeds, and fuels. By promoting climate-resilient agricultural methods and green technologies, Regen Organics aims to foster nurturing soils and thriving ecosystems, ultimately contributing to a sustainable future. With a commitment to innovation and environmental stewardship, the company leverages its industry knowledge and international experience to drive meaningful change.

Fuzu Ltd is an online coaching and recruitment platform founded in 2013 and based in Helsinki, Finland. It operates a mobile-first career development platform that primarily serves users in emerging economies, including regions in Africa, the Middle East, Asia, and Latin America. Fuzu offers a unique approach to job-seeking and recruitment by focusing on skill development and competency testing. The platform engages users through high-quality content and news while leveraging social networks for effective career management. Additionally, Fuzu connects job-seekers with employers and provides career planning courses, along with tailored job recommendations based on individual interests and personalities, facilitating efficient recruitment and talent development for employers.

EthioChicken operates as a poultry production company in East Africa, with its primary entities being AGP Poultry PLC, Mekelle Farms Ltd, and Andasa Poultry PLC. The company focuses on breeding and hatching day-old chickens, as well as producing affordable blended feed. By partnering with smallholder farmers, EthioChicken aims to improve nutrition and enhance the livelihoods of rural farmers, while also creating income opportunities in the region. The company’s efforts contribute to making poultry products more accessible, thereby supporting local economies and food security.

GreenStream Network Ltd was founded in July 2001 in Helsinki, Finland by three climate enthusiastics from energy and environmental markets. As one of the first companies in the climate markets, it got a fast start. The company soon became the most successful intermediary in the green certificate, effectively green electricity, markets. Clients' demands grew and the intermediary was expanded into portfolio management. In 2006 the company started asset management business and reached success launching one energy fund and four carbon funds: Kyoto-period funds Fine Carbon Fund and Nordic Carbon Fund, and later two post-Kyoto funds Climate Opportunity Fund and Fine Post-2012 Carbon Fund. GreenStream has been focusing on international markets from the day one. Since 2006 the role of China has steadily grown in GreenStream's business. Apart from China, the company has managed clean development mechanism (CDM) projects in Ukraine, Russia, Estonia, Latvia, Lithuania, South Africa, Jordan and Latin America. Altogether, GreenStream has been involved in over 100 emissions reduction projects around the globe. The key to GreenStream’s success has always been the capability of developing new, ground-breaking business concepts and implementing those – and in living up with its promises to the clients. This is a major achievement in the world’s most turbulent markets. “GreenStream is determined to be a part of fighting against climate change”, says Dr. Jussi Nykänen, founding partner and CEO of the company.

M-BIRR Limited provides mobile banking services through its innovative platform, M-BIRR, which facilitates mobile money transactions for financial institutions in Ethiopia. Established in 2009, M-BIRR was the first Ethiopian-based mobile money service and has since become a leader in the sector, recognized for its extensive customer base, distribution network, and transaction volume. The platform offers a range of services, including domestic money transfers, balance inquiries, cash in/out through agents, loan repayments, and international remittances. Users can conveniently deposit and withdraw funds, pay utility bills, and make purchases both online and offline. M-BIRR caters to residential and business customers, as well as banks and microfinance institutions. Headquartered in Dublin, Ireland, the company continues to play a significant role in enhancing financial inclusion across urban and rural areas in Ethiopia.

Incap is an electronics manufacturing services company headquartered in Finland, with manufacturing facilities located in Estonia, India, Slovakia, and the United Kingdom, complemented by a sourcing office in Hong Kong. The company offers a comprehensive range of services, including material procurement, prototyping, production ramp-up, serial production, final assembly, testing, and logistics. Incap specializes in various assembly services such as printed circuit board (PCB) assembly, box build assembly, electromechanical assembly, and cable and wire harness assembly. With a strong commitment to quality and efficiency, Incap aims to adapt to the evolving demands of its clients, ensuring timely delivery and cost-effective solutions. Over the years, Incap has built a solid reputation in the Electronics Manufacturing Services market, focusing on flexible and agile operations to meet customer needs while maintaining high standards.

Amartha is a microfinance technology platform dedicated to fostering economic growth at the grassroots level by facilitating connections between micro and small to medium-sized enterprises (SMEs) and investors. The platform enables entrepreneurs, particularly in rural areas, to access microfinance loans through user-friendly mobile applications and websites. By bridging the gap between potential lenders and borrowers, Amartha aims to create equal opportunities for prosperity, thereby contributing to the overall development of local economies.