Finnfund

Wave Mobile Money provides an app-based financial solution to save, transfer, and borrow money. Wave Mobile Money is on a mission to make Africa the first cashless continent. On a continent where less than 10% of the population has a bank account, Wave is building the first modern financial network — no account fees, instantly available, and accepted everywhere! It is building life-changing financial infrastructure. When mobile money succeeded in Kenya, it lifted about a million people out of poverty. And yet, over 10 years later, most Africans still lack access to affordable ways to save, transfer or borrow the money they need to build businesses or provide for their families. Wave is solving this problem by using technology to build a radically inclusive and extremely affordable financial network.

Lona is an exporter of citrus products.

TPL Insurance (TPLI) offers its customers hassle-free insurance services by leveraging Insurtech infrastructure and a Contact Center that is open 24 hours a day, seven days a week. Its mobile app is a top-rated Insurtech platform in Pakistan, providing customers with a comprehensive insurance experience that includes policy issuance, claim filing, self-surveys, endorsements, renewals, and payments. TPL Insurance offers a comprehensive range of general insurance products, including Auto, Fire, Marine, Health, Home, Travel, Mobile, Cyber Risk, Engineering, and Agriculture, as well as Takaful (Islamic insurance) solutions. The Company manages its reinsurance treaties through leading reinsurers such as Hannover Re, and it has an impressive AA financial stability rating from PACRA.

Valency International engages in selling and buying agriculture, fertilizer, industrial and other commodities.

D.light is a solar home lighting and power product developer. The company's solar goods, which include lights, radios, televisions, fans, and other home appliances, are rechargeable solar kits, allowing rural and semi-urban people to access solar-powered lighting and appliances. Their products are designed to improve health, increase productivity, and enhance the quality of life for users.

Indifi Technologies is a digital lending platform that offers loans to those who have potential and intent. Indifi believes in helping small businesses grow by offering loans to those that have potential and intent. Such businesses have little or no access to financing from traditional institutions such as banks or lack either collateral or a financial data trail to access a loan. Indifi is a technology platform that gathers and analyses data on businesses from various sources and draws insights to judge their creditworthiness and past and current performance in the context of the industry they are operating in. This differentiated approach helps find businesses that are low on risk and high on the promise, thus opening up possibilities for those who previously had no access to short- or long-term business funding. Indifi takes the relevant applications to multiple lenders, increasing the chances of securing a loan and giving lenders the choice to pick the ones they wish to back.

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 is a mobile-based supply platform for Africa’s retail outlets, kiosks, and market stalls. The company is using a mobile-based, cashless, business-to-business (B2B) supply platform to access distribution into the millions of small and medium-sized vendors in African urban markets. Founded in 2013, Twiga is based in Nairobi, Kenya.

Advans is a international microfinance group. Advans vision is to build a model group of financial institutions which contribute to strengthening local businesses, creating and sustaining jobs and improving clients’ living standards in order to foster private sector-led economic and social development in Africa, the Middle-East and Asia.

Bandwidth and Cloud Services (BCS) Group is the premier provider of back haul data and cloud services to mobile operators and Internet Service Providers in East Africa (Kenya, Tanzania, and Uganda). The Group is a shareholder in The East African Marine System (TEAMS). Further they provide hosted services that add value to the day to day lives of the 'Wananchi' in East Africa and in turn increase the need for bandwidth.

EthioChicken is a poultry producing companies in East Africa in which the operative companies are AGP Poultry PLC (AGP), Mekelle Farms Ltd (MKF) and Andasa Poultry PLC.

Founded in 1996, Kashf Foundation has worked to pioneer microfinance services that empower and promote the economic self-reliance of poor women and their families in Pakistan. Kashf is now one of the premier microfinance institutions in the country, disbursing $202 million USD in loans to date and providing more than one million people with access to financial capital.

Starsight Energy provides premier clean on-grid and off-grid energy services to commercial and industrial clients in Africa. We make clean energy a smart bottom-line decision for clients by eliminating all up-front costs. Clients pay an all-inclusive monthly fee for end-to-end service.

Starsight Energy provides premier clean on-grid and off-grid energy services to commercial and industrial clients in Africa. We make clean energy a smart bottom-line decision for clients by eliminating all up-front costs. Clients pay an all-inclusive monthly fee for end-to-end service.

Proximity Finance, one of the country’s few farmer-facing microfinance institutions, serves the financial needs of about 100,000 households. The firm aims to nearly double that number over the next five years and have dispersed one million loans.

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 an innovative e-commerce platform based in East Africa, built for women's health, personal care, and beauty products accessibility within urban and rural areas. Kasha offers a comprehensive integrated basket of products that promotes health at all stages of life, including newborn child health, maternal health, menstrual hygiene, family planning, sexual and reproductive health, non-communicable diseases (e.g., hypertension and diabetes), and HIV/AIDS prevention and treatment.

Nafoods Group is a fruit and vegetable grower and processor in Vietnam, specializing in fresh fruits, fruit juice, puree, concentrate, IQF, and dried fruits. They are fruit juice concentrate suppliers. Its objective is to provide natural and healthy agricultural products to consumers globally while also improving the lives of all people, particularly farmers.

Fuzu is a mobile-first career development platform for users in emerging economies, from Africa and Middle East to Asia and Latin America. Fuzu takes a fresh approach to job-seeking, recruitment and learning - with focus on testing and developing one’s skills and competencies. Fuzu keeps the users engaged by continuously offering high quality content and news and by maximizing the power of social networks in career management.

Maarifa is a private tertiary education holding company founded by its management team with capital from ECP. Together, ECP and Maarifa management own 100% of Maarifa. Maarifa’s vision is to build a world-class, Pan-African education company that provides high-quality, market-relevant tertiary education to more than one million Africans over the course of the next 30 years. As of 2016, Maarifa had invested in two universities in Africa (in Uganda and Zambia), with total enrollments of around 6,000 students. Maarifa is led by a management team with deep experience in and passion for tertiary education. Collectively, Maarifa’s senior management team and operating partners have decades of education experience with global education institutions such as Latimer Education, Strayer University, Alliant University, and Laureate Education, where they have worked in various roles in strategy, operations, enrollment management, business development, marketing, and real estate development.

Starsight Energy provides premier clean on-grid and off-grid energy services to commercial and industrial clients in Africa. We make clean energy a smart bottom-line decision for clients by eliminating all up-front costs. Clients pay an all-inclusive monthly fee for end-to-end service.

Access Bank provides banking products and services to individual and business customers in Ghana. It offers standard savings and current, access advantage, solo, and premier accounts. The company also provides online banking services that include ATM, online access, and point-of-sale terminal services; and bills payment and Western Union money transfer services.

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. They enable their partners to provide loans, savings, and financial choices. They use artificial intelligence and machine learning to build credit scores and financial products. They provide money and banking partners with reporting, analytics, and insight they need to offer financial services to customers.

JUMO is a fintech company. They enable their partners to provide loans, savings, and financial choices. They use artificial intelligence and machine learning to build credit scores and financial products. They provide money and banking partners with reporting, analytics, and insight they need to offer financial services to customers.

Mobisol is a young Berlin start-up founded in 2010. They provide an alternative to fossil fuel sources for low-income customers living without access to electricity, combining solar energy and a suitable repayment scheme with mobile banking.

Sanergy makes hygienic sanitation affordable and accessible in urban slums for everyone starting with Nairobi, Kenya. It promotes the fundamental human right to sanitation in the slums of Kenya by increasing access to and usage of hygienic sanitation facilities. Sanergy creates an efficient, equitable, and sustainable sanitation cycle by building a dense network of small-scale sanitation centers across the slums, a low-cost containerized waste collection infrastructure, and converting this waste at their central processing facility into useful byproducts, such as organic fertilizer and renewable energy.

Fuzu is a mobile-first career development platform for users in emerging economies, from Africa and Middle East to Asia and Latin America. Fuzu takes a fresh approach to job-seeking, recruitment and learning - with focus on testing and developing one’s skills and competencies. Fuzu keeps the users engaged by continuously offering high quality content and news and by maximizing the power of social networks in career management.

EthioChicken is a poultry producing companies in East Africa in which the operative companies are AGP Poultry PLC (AGP), Mekelle Farms Ltd (MKF) and Andasa Poultry PLC.

Fintech established in 2009, MOSS/M-BIRR pioneered mobile money services in Ethiopia with the launch of the first Ethiopian based Mobile money Service, the M-BIRR Service. Since then, the M-BIRR Service as remained the leading MFS in Ethiopia in terms of customers, distribution network and transaction volume. M-BIRR the fastest, convenient, and reliable way to pay and get paid in both urban and rural areas of Ethiopia.

Incap is a globally operating electronics manufacturing service provider with factories in India, UK, Estonia, Slovakia, sourcing team in Hong Kong and headquarters in Finland. Incap’s share has been listed on Nasdaq Helsinki Ltd stock exchange since 1997. Our solutions and services: - Prototyping & engineering - PCB assembly manufacturing - Box build assembly - Customised solutions - Cable and wire harness assemblies - Engineering services - Magnetic assemblies - After sales services In the Electronics Manufacturing Services (EMS) marketplace, Incap has a long history and reputation of high quality. This we want to nurture and take even further. Smart utilisation of our existing capacity is the main source to cost efficiency and profitability. This also allows us to produce higher volumes without any significant new investment. Flexible, Agile and Efficient. That is our orientation and promise to the EMS marketplace. Over the years we have learned that alongside the core EMS market demand for On Time Delivery, Quality and Cost efficiency, our customers expect their partners to be able to adjust into continuous change. That is how we develop and run our operations.