FMO

M-KOPA Kenya Limited, established in 2011 and headquartered in Nairobi, specializes in developing and marketing solar home systems designed for off-grid customers. The company offers a range of solar products, including systems equipped with lights, phone charging capabilities, and solar-powered radios. M-KOPA began commercial operations in Kenya in 2012 and has since expanded its services to Uganda and Tanzania. The company operates through a network of over 1,000 retail agents and shops, employing a team of more than 500 staff. M-KOPA is recognized for its innovative "pay-as-you-go" energy services, which leverage a proprietary technology platform that integrates mobile payments and asset financing, facilitating access to affordable energy solutions for underserved communities. The firm is also exploring opportunities to license its technology to reputable partners in markets beyond East Africa.

Green Yellow Holding generates electricity from centralized power plants and offers solar panels. The company allows anyone to produce and manage energy while creating value, through solar photovoltaics, efficiency, and energy optimization. The company was founded in 2007 and is headquartered in France.

Mawingu Networks Limited provides wireless Internet services to underserved rural communities in Africa, focusing on delivering connectivity to homes and businesses. Founded in 2013 and based in Nanyuki, Kenya, the company utilizes high-performance, low-cost wireless technology combined with solar power to create efficient Internet networks. Mawingu offers Wi-Fi access through public hotspots, enabling customers to connect easily. Its innovative use of open technologies allows for the establishment of a scalable network that supports secure roaming, even in challenging geographical conditions.

SolarX is a renewable energy company based in Bamako, Mali, specializing in the design, supply, and installation of grid-connected solar photovoltaic systems for commercial and industrial clients in West Africa. Founded in 2020, the company offers a range of turnkey renewable solutions, including engineering, procurement, installation, commissioning, and financial leasing. Its product offerings encompass grid-connected photovoltaic systems that allow direct electricity use, PV-diesel hybrid systems that combine solar and diesel generators, solar pumping systems for water supply during daylight hours, and stand-alone PV systems equipped with batteries for independent energy use. By providing clean and efficient solar solutions, SolarX aims to facilitate the adoption of renewable energy and promote sustainable practices in the region.

Innoviti Payment Solutions Pvt. Ltd. specializes in developing payment processing, credit distribution, and payments management software solutions. Based in Bengaluru, India, the company offers a range of products including uniPAY, a unified payment and card management system for retailers; quickEMI, which allows consumers to make installment payments on their credit cards; pgEMI, enabling installment payments for purchases; and fastCollect, an automated collection technology designed for banks and retailers, including online megastores. Innoviti serves various markets such as retail, mobile, lifestyle, entertainment, jewelry, education, transportation, hospitality, wellness, healthcare, and banking. Established in 2002, Innoviti was previously known as Innoviti Embedded Solutions Pvt. Ltd.

Innoviti Payment Solutions Pvt. Ltd. specializes in developing payment processing, credit distribution, and payments management software solutions. Based in Bengaluru, India, the company offers a range of products including uniPAY, a unified payment and card management system for retailers; quickEMI, which allows consumers to make installment payments on their credit cards; pgEMI, enabling installment payments for purchases; and fastCollect, an automated collection technology designed for banks and retailers, including online megastores. Innoviti serves various markets such as retail, mobile, lifestyle, entertainment, jewelry, education, transportation, hospitality, wellness, healthcare, and banking. Established in 2002, Innoviti was previously known as Innoviti Embedded Solutions Pvt. Ltd.

Equity Bank Kenya is a financial services provider headquartered in Nairobi, Kenya. It is licensed as a commercial bank by the central bank of Kenya, the central bank, and national banking regulator. Equity Bank Kenya Limited was incorporated in 2014 as a result of the corporate restructure of Equity Group Holdings Limited.

Paymob Solutions S.A.E. is a digital payments enabler based in Cairo, Egypt, founded in 2015. The company offers a payment acceptance platform that facilitates the conversion of cash payments and transfers to digital formats. Paymob’s services include integrated fraud detection, interactive dashboards, and compliance with PCI security standards. By providing robust payment infrastructure technologies, Paymob aims to empower underserved populations with access to essential financial services. The company focuses on bridging the financial inclusion gap in the Middle East and Africa, enabling businesses of all sizes to harness the benefits of digital payments.

NeoGrowth Credit Private Limited is a non-banking financial institution based in Mumbai, India, established in 1993. The company specializes in providing business loans tailored for micro, small, and medium enterprises. Its services include retail finance, vendor finance for manufacturers and suppliers of large corporations, and purchase finance for traders and service providers acquiring goods from major corporate clients. NeoGrowth primarily focuses on meeting the financial needs of small businesses across various sectors, including retail, hospitality, and health services. It began commercial operations in 2013 and aims to support businesses that sell consumer goods and services, such as apparel, electronics, handicrafts, and personal care services.

The Farmerline vision is to see an Africa where Agriculture NGO’s are not a functioning force in the market. Farmerline provides paid services that allow farmers to have the information and access they need to employ an entrepreneurial method of farming. Input dealers and traders pay for more efficient communication channels to farmers and farmers pay for information packages and services. In this vision, more food is produce, more food gets to market, and GDP from cash crop export soars.

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.

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.

DeHaat, developed by Green Agrevolution Pvt. Ltd., is an innovative technology-driven platform that provides comprehensive agricultural services to Indian farmers. Launched in 2012 and based in Patna, India, DeHaat connects small farmers with essential resources such as seeds, fertilizers, and equipment, while also offering crop advisory and market linkage. The platform operates through a network of trained micro-entrepreneurs who facilitate last-mile delivery and personalized support. Registered farmers can access high-quality agricultural inputs at competitive prices and receive tailored crop reminders and monitoring assistance in their local language. Additionally, DeHaat enables farmers to sell their produce directly to institutional buyers, enhancing the efficiency of the agricultural value chain. By leveraging technology and local expertise, DeHaat aims to improve the livelihoods of thousands of farmers across India.

DeHaat, developed by Green Agrevolution Pvt. Ltd., is an innovative technology-driven platform that provides comprehensive agricultural services to Indian farmers. Launched in 2012 and based in Patna, India, DeHaat connects small farmers with essential resources such as seeds, fertilizers, and equipment, while also offering crop advisory and market linkage. The platform operates through a network of trained micro-entrepreneurs who facilitate last-mile delivery and personalized support. Registered farmers can access high-quality agricultural inputs at competitive prices and receive tailored crop reminders and monitoring assistance in their local language. Additionally, DeHaat enables farmers to sell their produce directly to institutional buyers, enhancing the efficiency of the agricultural value chain. By leveraging technology and local expertise, DeHaat aims to improve the livelihoods of thousands of farmers across India.

d.light is a company that designs, manufactures, and distributes solar lighting and power products, primarily aimed at households and small businesses lacking reliable electricity. Founded in 2007 as a for-profit social enterprise, d.light has developed a range of products, including solar lanterns, home systems, and various appliances, to serve over 2 billion people globally. With distribution hubs in East and West Africa, India, Southeast Asia, and the United States, the company has reached over 65 million individuals, providing affordable and accessible solar solutions. d.light is committed to transforming energy usage and payment methods, enhancing the quality of life for users in rural and semi-urban areas through its innovative solar-powered products. The company operates from its headquarters in Palo Alto, California, with additional offices in key locations such as Shenzhen, China; Gurgaon, India; Nairobi, Kenya; Kampala, Uganda; and Lagos, Nigeria.

Zola Electric provides off-grid solar solutions primarily for African markets, focusing on Tanzania, Rwanda, Ghana, and the Ivory Coast. The company offers solar home kits that can be either leased or purchased, utilizing a pay-as-you-go micro-finance model that accommodates various income levels. By employing advanced solar, battery, and power electronics technology, Zola Electric delivers renewable energy systems tailored to the needs of individual households and businesses in rural communities. Since its inception in 2012, the company has powered over 180,000 homes and businesses. Formerly known as Off-Grid Electric Tanzania Limited, it rebranded to Zola Electric in July 2018 and has established its headquarters in Arusha, Tanzania, with an additional office in San Francisco, California. The company has garnered recognition through various awards and has attracted investment from notable firms, including Tesla and EDF.

dopay is a cloud-based payroll and cash management service that aims to address the challenges faced by companies with unbanked employees. With approximately 2 billion people globally lacking bank accounts, many businesses struggle with handling large volumes of cash for salary payments. dopay provides a solution by enabling employers to electronically calculate and disburse salaries through its platform. Employees receive a DoPay card and app, which offer a comprehensive banking experience, facilitating cashless transactions. The company has partnered with Barclays to deliver payroll services to various multinationals, embassies, and local enterprises in Egypt, with plans to expand into other regions that are predominantly unbanked.

TeamApt is a financial technology company focused on, developing Digital Banking, Digital Business solutions, and running Payments Infrastructure by rethinking the needs of consumers, businesses, and the financial industry. Beginning operations in 2015, TeamApt was borne from a desire to create financial happiness, building solutions and tools for businesses and individuals to happily manage money. TeamApt is proudly Nigerian but globally focused, with an eclectic mix of backend, frontend, reliability, quality assurance, distributed data storage engineers to ensure critical solutions and products for our customers are built right, securely, scalably and reliably. Our end goal is to see our customers happy which can only happen when they succeed using our solutions to run their daily lives and businesses.

Northern Arc Capital Limited is a non-banking financial company based in Chennai, India, established in 1989. The company specializes in providing a range of financial services, including microfinance, agricultural finance, housing finance, vehicle finance, and consumer finance. It also offers small business and gold loans, along with fintech services. Northern Arc focuses on connecting high-quality originators to enhance financial service access for underserved households and businesses. In addition to its lending services, the company provides structured products, capital market instruments, term loans, debt syndication, guarantee-backed lending, and fund management services. Originally known as IFMR Capital Finance Private Limited, the company rebranded to Northern Arc Capital Limited in March 2018.

Paymob Solutions S.A.E. is a digital payments enabler based in Cairo, Egypt, founded in 2015. The company offers a payment acceptance platform that facilitates the conversion of cash payments and transfers to digital formats. Paymob’s services include integrated fraud detection, interactive dashboards, and compliance with PCI security standards. By providing robust payment infrastructure technologies, Paymob aims to empower underserved populations with access to essential financial services. The company focuses on bridging the financial inclusion gap in the Middle East and Africa, enabling businesses of all sizes to harness the benefits of digital payments.

Administration Of General Economic Progra

Lendingkart Technologies Private Limited is a fintech company based in Ahmedabad, India, that specializes in providing working capital loans and other financing solutions for small and medium enterprises (SMEs). Founded in 2014, the company employs advanced technology and big data analytics to assess the creditworthiness of borrowers efficiently. Lendingkart offers a range of financial products, including business loans, MSME loans, and short-term loans, aimed at facilitating access to credit for small businesses in India. Its application, LENDINGKART, streamlines the loan application process, enabling users to receive loan sanctions quickly. With additional offices in Bengaluru and Mumbai, Lendingkart is focused on transforming small business lending by making it more accessible and convenient for entrepreneurs.

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.

M-KOPA Kenya Limited, established in 2011 and headquartered in Nairobi, specializes in developing and marketing solar home systems designed for off-grid customers. The company offers a range of solar products, including systems equipped with lights, phone charging capabilities, and solar-powered radios. M-KOPA began commercial operations in Kenya in 2012 and has since expanded its services to Uganda and Tanzania. The company operates through a network of over 1,000 retail agents and shops, employing a team of more than 500 staff. M-KOPA is recognized for its innovative "pay-as-you-go" energy services, which leverage a proprietary technology platform that integrates mobile payments and asset financing, facilitating access to affordable energy solutions for underserved communities. The firm is also exploring opportunities to license its technology to reputable partners in markets beyond East Africa.

Mekong Timber Plantations operates as a forestry plantation company. Mekong Timber Plantations manages an existing plantation estate in Laos with a focus on improving silvicultural practices and ensuring the business meets international best practices for responsible forest management.

Nomanini SA (Pty) Ltd operates a platform that facilitates the sale of prepaid products, such as airtime, electricity, and insurance, primarily targeting informal markets. Founded in 2010 and based in Cape Town, South Africa, the company provides terminals used by informal retailers, such as street vendors and share-taxi drivers, to sell prepaid vouchers and generate ongoing profits. Nomanini's platform connects merchants, distributors, and service providers through an interoperable merchant wallet, enabling efficient transactions and data collection. This data offers insights for loans and savings accumulation, ultimately enhancing profitability for all participants in the informal retail ecosystem. By integrating payments, working capital, and data analytics, Nomanini transforms any mobile device into a retail point-of-sale system, improving the accessibility of digital finance for informal merchants and their customers.

DeHaat, developed by Green Agrevolution Pvt. Ltd., is an innovative technology-driven platform that provides comprehensive agricultural services to Indian farmers. Launched in 2012 and based in Patna, India, DeHaat connects small farmers with essential resources such as seeds, fertilizers, and equipment, while also offering crop advisory and market linkage. The platform operates through a network of trained micro-entrepreneurs who facilitate last-mile delivery and personalized support. Registered farmers can access high-quality agricultural inputs at competitive prices and receive tailored crop reminders and monitoring assistance in their local language. Additionally, DeHaat enables farmers to sell their produce directly to institutional buyers, enhancing the efficiency of the agricultural value chain. By leveraging technology and local expertise, DeHaat aims to improve the livelihoods of thousands of farmers across India.

DeHaat, developed by Green Agrevolution Pvt. Ltd., is an innovative technology-driven platform that provides comprehensive agricultural services to Indian farmers. Launched in 2012 and based in Patna, India, DeHaat connects small farmers with essential resources such as seeds, fertilizers, and equipment, while also offering crop advisory and market linkage. The platform operates through a network of trained micro-entrepreneurs who facilitate last-mile delivery and personalized support. Registered farmers can access high-quality agricultural inputs at competitive prices and receive tailored crop reminders and monitoring assistance in their local language. Additionally, DeHaat enables farmers to sell their produce directly to institutional buyers, enhancing the efficiency of the agricultural value chain. By leveraging technology and local expertise, DeHaat aims to improve the livelihoods of thousands of farmers across India.

Samunnati is a provider of financial intermediation, market linkages, and advisory services that are used to enhance the value of all players across the agriculture value chain. The company aims to provide underserved households access to markets through financial intermediation and advisory services by focusing on the key economic drivers of a district. The objective is to aid the enterprises and value chains to operate at a higher level of productivity thereby creating value for all the stakeholders engaged in it. Samunnati was established in 2014 and is headquartered in Chennai, Tamil Nadu.

Aerobotics (Pty.) Ltd., founded in 2014 and located in Cape Town, South Africa, specializes in developing autonomous unmanned aerial vehicles (UAVs) and data processing solutions for various industries, including agriculture, surveying, gaming, and security. The company utilizes aerial imagery and machine learning algorithms to provide precision agriculture solutions, enabling farmers to optimize crop management through detailed analysis and insights. Aerobotics combines its drone technology with a flight planning application to enhance data collection and processing, thereby supporting clients in making informed decisions based on accurate and timely information.

ZIZ-Energie develops, constructs, and operates hybrid off-grid solar power plants. The company also distributes electricity and electrical equipment in secondary towns and rural areas. Additionally, it offers supervision and execution services of electrical work, engineering and advisory services in fossil and renewable energy, and related technical services. It serves industrial and commercial customers in rural and town areas. The company was founded in 2006 and is based in N’Djamena, Chad.

Husk Power Systems Pvt. Ltd. is a renewable energy company based in Patna, India, that focuses on generating and distributing electricity to households, community services, small businesses, and factories. Founded in 2007, the company utilizes biomass waste—such as rice husks and other agricultural residues—to produce electricity through its proprietary technology. Husk Power Systems designs and operates mini-power plants and micro-grids, offering electricity as a pay-for-use service primarily to rural areas. This approach not only provides reliable lighting, reducing reliance on kerosene, but also fosters economic development by enabling microenterprises and the use of electricity-operated machinery. By creating a sustainable energy ecosystem at each power plant, Husk Power Systems aims to deliver shared value to its stakeholders and stimulate local economies.

Easy Solar is a leading energy distribution company in West Africa, financing high-quality solar products and appliances for those with limited or no access to the conventional grid. Customers can finance their purchase over time by paying in weekly or monthly installments, with the option to pay via cash or mobile money. To date, Easy Solar has reached more than 400,000 beneficiaries, distributed through its extensive network of agents and outlets throughout Sierra Leone and Liberia.

Greenlight Planet Inc develops and manufactures solar lighting and energy devices. It manufactures solar lighting devices, including solar lamps, solar lanterns with mobile charger, and home energy systems. The company offers its products through a network of distributors and it also offers its product online. The company was founded in 2007 and is based in Chicago, Illinois with additional offices in Mumbai, India; and Nairobi, Kenya.

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.

Paymob Solutions S.A.E. is a digital payments enabler based in Cairo, Egypt, founded in 2015. The company offers a payment acceptance platform that facilitates the conversion of cash payments and transfers to digital formats. Paymob’s services include integrated fraud detection, interactive dashboards, and compliance with PCI security standards. By providing robust payment infrastructure technologies, Paymob aims to empower underserved populations with access to essential financial services. The company focuses on bridging the financial inclusion gap in the Middle East and Africa, enabling businesses of all sizes to harness the benefits of digital payments.

Komaza is a tech-driven sustainable forestry company focused on transforming the wood industry in Africa through its innovative farmer platform. Founded in 2006 by Tevis Howard, the company engages rural farmers to cultivate woodlots on small-holder farms, addressing the growing demand for wood and wood products. By integrating technology, training, and support, Komaza aims to provide a sustainable wood supply while achieving significant cost savings compared to traditional plantations. This approach not only helps alleviate the wood supply crisis but also empowers farmers to maximize their potential in the forestry sector.

AgriPlace BV is a digital platform based in Amsterdam, Netherlands, focused on enhancing farm compliance and promoting transparency in food value chains. The company serves a diverse clientele, including farmers, auditors, standard setters, and food companies. AgriPlace provides tools that simplify the certification process and facilitate efficient data sharing between farmers and stakeholders, thereby helping farmers achieve compliance with industry standards more easily and cost-effectively. By standardizing and digitizing high-quality farm data, AgriPlace aims to foster sustainable agricultural practices and improve overall efficiency within the supply chain.

Inuka has build a proprietary coaching framework that allows an almost unlimited,ñ supply of high-quality, evidence-based coaches at affordable rates. The inuka coaching platform and academy empowers coaches with a proven coaching method (jama,2017), connects them with distressed users and monitors quality and impact. First use case and current focus is employee wellbeing.

Oceans of Energy, based in Leiden, the Netherlands, specializes in the development of offshore floating solar systems. The company aims to harness the potential of these innovative systems to generate clean, abundant, and affordable energy. By focusing on offshore solutions, Oceans of Energy seeks to contribute to sustainable energy production while addressing environmental concerns associated with traditional energy sources.

Almacena Platform is a trading platform for origin producers for products such as coffee and tea that creates traceability and transparency, shortens the supply chain, and bring more value and bargaining power to the farmers.

ASOBO is a Nairobi-based company founded in 2019 that focuses on manufacturing electric outboard engines, known as e-Boarders, powered by lithium batteries. These engines are specifically designed for fishermen operating on Lake Victoria in East Africa. ASOBO aims to create a sustainable platform for e-mobility on the water by providing electric outboard engines powered by renewable energy. The company offers its products on a full-service basis, enabling fishermen to utilize clean energy while reducing operational costs. Through its innovative solutions, ASOBO contributes to environmentally friendly practices in the fishing industry.

Innoviti Payment Solutions Pvt. Ltd. specializes in developing payment processing, credit distribution, and payments management software solutions. Based in Bengaluru, India, the company offers a range of products including uniPAY, a unified payment and card management system for retailers; quickEMI, which allows consumers to make installment payments on their credit cards; pgEMI, enabling installment payments for purchases; and fastCollect, an automated collection technology designed for banks and retailers, including online megastores. Innoviti serves various markets such as retail, mobile, lifestyle, entertainment, jewelry, education, transportation, hospitality, wellness, healthcare, and banking. Established in 2002, Innoviti was previously known as Innoviti Embedded Solutions Pvt. Ltd.

Agrocorp Ventures specializes in the distribution and trading of agricultural commodities, serving clients across various regions, including Canada, West Africa, China, Turkey, the Middle East, India, Bangladesh, and Vietnam. The company provides a wide range of products, including grains like wheat, sugar, and various pulses and beans, as well as oilseeds such as soybeans, canola, and sunflower seeds. Agrocorp also deals in cotton, rice, and animal feed, which encompasses items like corn and soybean meal. Additionally, the company offers edible nuts, including cashews and peanuts, alongside non-agricultural commodities like coal, construction materials, and edible oils. Agrocorp's operations include seed procurement and the buying and selling of food products, highlighting its comprehensive involvement in the agricultural supply chain.

Validus Capital Pte. Ltd. operates an online lending marketplace that connects small and medium-sized enterprises (SMEs) with accredited and institutional investors. Founded in 2015 and based in Singapore, Validus is the largest SME financing platform in the country, focusing on providing short-term and medium-term financing to underserved SMEs. The platform facilitates early approval for loans, offers competitive interest rates, and allows for revenue growth. Investors benefit from a range of options without onboarding fees and can minimize risk through fractionalization and portfolio management. Validus employs data analytics and artificial intelligence to enhance its services and aims to promote inclusive growth for SMEs across the ASEAN region, with operations also in Indonesia, Vietnam, and Thailand. The company is regulated by the Monetary Authority of Singapore and has received necessary registrations in its regional markets.

DeHaat, developed by Green Agrevolution Pvt. Ltd., is an innovative technology-driven platform that provides comprehensive agricultural services to Indian farmers. Launched in 2012 and based in Patna, India, DeHaat connects small farmers with essential resources such as seeds, fertilizers, and equipment, while also offering crop advisory and market linkage. The platform operates through a network of trained micro-entrepreneurs who facilitate last-mile delivery and personalized support. Registered farmers can access high-quality agricultural inputs at competitive prices and receive tailored crop reminders and monitoring assistance in their local language. Additionally, DeHaat enables farmers to sell their produce directly to institutional buyers, enhancing the efficiency of the agricultural value chain. By leveraging technology and local expertise, DeHaat aims to improve the livelihoods of thousands of farmers across India.

Innoviti Payment Solutions Pvt. Ltd. specializes in developing payment processing, credit distribution, and payments management software solutions. Based in Bengaluru, India, the company offers a range of products including uniPAY, a unified payment and card management system for retailers; quickEMI, which allows consumers to make installment payments on their credit cards; pgEMI, enabling installment payments for purchases; and fastCollect, an automated collection technology designed for banks and retailers, including online megastores. Innoviti serves various markets such as retail, mobile, lifestyle, entertainment, jewelry, education, transportation, hospitality, wellness, healthcare, and banking. Established in 2002, Innoviti was previously known as Innoviti Embedded Solutions Pvt. Ltd.

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.

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.

liwwa, Inc. operates a peer lending platform that connects small and medium-sized enterprises (SMEs) in need of capital with fixed-income investors. Founded in 2013 and based in Amman, Jordan, the platform facilitates access to funding for businesses while providing investors with opportunities to earn regular monthly returns. liwwa employs an in-house review process to assess the creditworthiness of borrowers, allowing them to make payments to investors through a lease-to-own model. The company has attracted seed funding from various investors and aims to expand its team and product offerings to enhance its services in the future.

Aye Finance is a finance company that provides business loans to micro and small businesses in Northern India.The company's mission is to provide innovative and customer-centered financial services to micro and small business through effective technology and robust processes. It works with a relevant technology to facilitate better financial inclusion and to consequently serve micro-enterprises. Aye Finance was founded in 2014 and is headquartered in Gurgaon, Haryana, India.

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.

Lakeside Energy is a renewable energy company sponsored by Pakistan's Naveena Exports.

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.

CreditAccess Grameen provides micro financial products and services for women from rural poor and low income households in India. It offers microcredit loans for income generation, family welfare, emergency, and home improvement, as well as micro insurance services covering life insurance, health insurance, and national pension scheme. CreditAccess Grameen also provides non-financial services, such as enterprise development, financial literacy promotion, basic health/nutrition education, basic medical services, special medical services for women and children, and training for women and women's rights/gender issues education. Vinatha M. Reddy founded Grameen Koota Financial Services in 1999. It became CreditAccess Grameen in January 2018, with its headquarters in Bengaluru in India.

SolarCreed B.V. designs and develops solar products with renewable energy sources. The company provides optimized and carbon-free energy for food production and provides eco-friendly packaging solutions. It provides solar systems and battery storage with communication abilities on membership subscription to farmers. The company was founded in 2016 and is headquartered in Amsterdam, the Netherlands.

Aavishkaar, founded in 2001 and based in Mumbai, is a venture capital firm focused on catalyzing development in underserved regions of India and beyond. The firm identifies promising entrepreneurs and provides them with capital and a supportive environment to build sustainable enterprises. By adapting traditional venture capital methodologies to target low-income markets, Aavishkaar has innovated in three key areas: shifting investment risk from technology to execution, redefining success metrics for returns, and fostering a collaborative team of passionate investment managers. With over $155 million under management, Aavishkaar has developed a diverse portfolio across sectors such as agriculture, education, energy, and health. The firm aims to promote enterprise-based development, enhancing livelihoods for economically vulnerable populations. Recently, Aavishkaar has expanded its focus to other emerging economies, launching the Aavishkaar Frontier Fund to invest in countries like Indonesia and Bangladesh. Its long-term goal is to invest in 300 startups over the next decade, nurturing local entrepreneurial talent and facilitating sustainable economic growth in low-income regions.

Grupo Supervielle is a national private capital financial group. The group is mainly focused on rendering banking and financial services targeted to both individuals and small and medium size companies while relying on a wide distribution network all across the country.

Srei Equipment Finance Ltd. (SEFL) is one of the leading financiers in the Construction, Mining and allied Equipment (“CME”) sector in India, with approximately 33% market share in Fiscal 2018 and a pan-India presence across 21 states with over 90 offices.

ftcash is one of India’s fast-growing financial technology venture, recognized by Forbes, which aims to empower micro-merchants and small businesses with the power of credit using digital payments, using only a bank account and a feature phone. ftcash uses its proprietary algorithm to understand the credit-worthiness using their transaction flow data on the ftcash payments platform along with several other data points including psychometric analysis, which can be leveraged to provide these SMEs institutional finance and recollect the money from their daily transactions. ftcash works with Banks and Financial Institutions to deploy its solution for all their SMEs. After a successful launch in India in 2015, ftcash is expanding globally. ftcash is being supported by PayPal and MasterCard to enable merchant services globally.

InCred Financial Services Limited is a non-banking financial corporation based in Mumbai, India, that provides a range of loan products to retail, small and medium enterprises (SMEs), and commercial customers. The company operates primarily through two segments: Consumer Retail and SME, offering personal, education, business, and two-wheeler loans, as well as affordable home loans. Leveraging technology and data science, InCred aims to simplify the lending process, making it quick and hassle-free for its clients. Originally known as Visu Leasing and Finance Private Limited, InCred was incorporated in 1991 and is a subsidiary of Bee Finance Limited based in Mauritius.

Yalelo Limited is a leading aquaculture firm based in Lusaka, Zambia, specializing in the breeding and production of tilapia fish. Founded in 2011, the company has rapidly established itself as a pioneer in the Zambian fisheries sector, addressing the challenges faced by wild-capture fisheries. Yalelo operates on the shores of Lake Kariba, utilizing high-quality water and locally sourced non-GMO fish feed to ensure superior product quality. The firm employs a robust cold-chain system, enabling the distribution of fresh tilapia throughout the country. Through its commitment to sustainable practices and innovation, Yalelo has transformed the customer experience in the fish market, making it one of the largest aquaculture firms in Africa.

Business and sustainability can go hand-in-hand. Their unique strategy interweaves business goals with environmental sustainability and social responsibility, producing mutually beneficial results. By contributing to community’s socio-economic development in the short-term, they foresee delivery of continual value to their shareholders. Through their community engagement initiatives, they are contributing to uplift the lifestyle of communities they work with.

dopay is a cloud-based payroll and cash management service that aims to address the challenges faced by companies with unbanked employees. With approximately 2 billion people globally lacking bank accounts, many businesses struggle with handling large volumes of cash for salary payments. dopay provides a solution by enabling employers to electronically calculate and disburse salaries through its platform. Employees receive a DoPay card and app, which offer a comprehensive banking experience, facilitating cashless transactions. The company has partnered with Barclays to deliver payroll services to various multinationals, embassies, and local enterprises in Egypt, with plans to expand into other regions that are predominantly unbanked.

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.

Validus Capital Pte. Ltd. operates an online lending marketplace that connects small and medium-sized enterprises (SMEs) with accredited and institutional investors. Founded in 2015 and based in Singapore, Validus is the largest SME financing platform in the country, focusing on providing short-term and medium-term financing to underserved SMEs. The platform facilitates early approval for loans, offers competitive interest rates, and allows for revenue growth. Investors benefit from a range of options without onboarding fees and can minimize risk through fractionalization and portfolio management. Validus employs data analytics and artificial intelligence to enhance its services and aims to promote inclusive growth for SMEs across the ASEAN region, with operations also in Indonesia, Vietnam, and Thailand. The company is regulated by the Monetary Authority of Singapore and has received necessary registrations in its regional markets.

Tata Capital is a financial services firm based in Mumbai, India, that offers a wide range of consumer and commercial financing solutions, as well as advisory and investment services. Established in 2007, the company operates through several segments, including Financing Activity, Investment Activity, and Others. It provides various loans, such as those for vehicles, personal needs, business purposes, and loans against property and securities. Additionally, Tata Capital offers investment advisory services, wealth management, and distribution of financial products, including insurance and mutual funds. The firm also has a private equity arm that focuses on growth capital investments in small and medium enterprises across diverse sectors. With its comprehensive suite of services, Tata Capital aims to meet the financial needs of retail, corporate, SME, and institutional customers.

d.light is a company that designs, manufactures, and distributes solar lighting and power products, primarily aimed at households and small businesses lacking reliable electricity. Founded in 2007 as a for-profit social enterprise, d.light has developed a range of products, including solar lanterns, home systems, and various appliances, to serve over 2 billion people globally. With distribution hubs in East and West Africa, India, Southeast Asia, and the United States, the company has reached over 65 million individuals, providing affordable and accessible solar solutions. d.light is committed to transforming energy usage and payment methods, enhancing the quality of life for users in rural and semi-urban areas through its innovative solar-powered products. The company operates from its headquarters in Palo Alto, California, with additional offices in key locations such as Shenzhen, China; Gurgaon, India; Nairobi, Kenya; Kampala, Uganda; and Lagos, Nigeria.

Satin Creditcare Network provides financial assistance to households, excluded from the ambit of mainstream financial service providers. The company offers financial products in the Non-MFI segment, a housing finance subsidiary, and business correspondent services, and similar services to other financial Institutions through Taraashna Services Limited, a business correspondent company and a subsidiary of Satin Creditcare Network. The company also incorporated a housing finance subsidiary which is Satin Housing Finance Limited or SHFL for providing loans to the affordable housing segment. This extension is to provide financial products that cater to the undeserved segments of the market. The company's operations is based on the Joint Liability Group model, which enables people to deliver collateral-free, microcredit facilities to economically active women in rural and semi-urban areas, who have limited access to mainstream financial service providers. It also offers loans to individual businesses and MSMEs, product financing for the purchase of solar lamps, as well as loans for the development of water connections, and sanitation facilities. Satin Creditcare Network focuses on rural and semi-urban areas, securing that its services reach those regions that usually face low or at best, moderate rates of penetration by other microfinance institutions. Satin Creditcare Network was founded in 1990 and is headquartered in Gurugram, Haryana, India.

Zola Electric provides off-grid solar solutions primarily for African markets, focusing on Tanzania, Rwanda, Ghana, and the Ivory Coast. The company offers solar home kits that can be either leased or purchased, utilizing a pay-as-you-go micro-finance model that accommodates various income levels. By employing advanced solar, battery, and power electronics technology, Zola Electric delivers renewable energy systems tailored to the needs of individual households and businesses in rural communities. Since its inception in 2012, the company has powered over 180,000 homes and businesses. Formerly known as Off-Grid Electric Tanzania Limited, it rebranded to Zola Electric in July 2018 and has established its headquarters in Arusha, Tanzania, with an additional office in San Francisco, California. The company has garnered recognition through various awards and has attracted investment from notable firms, including Tesla and EDF.

Yoco Technologies Proprietary Limited, known as Yoco, is a South African company based in Cape Town that specializes in providing tools and services for small businesses to facilitate payments and enhance operational efficiency. Established in 2015, Yoco offers a range of products including mobile card machines, payment gateways, point of sale systems, and a business portal, enabling merchants to accept payments in-store, online, and on-the-go. The company aims to simplify the payment process for both buyers and sellers, reducing the complexities associated with managing multiple systems. Yoco currently supports around 100,000 small businesses in South Africa and has been recognized as one of the top 250 most promising fintech companies in recent years.

Kingo Energy, founded in 2013 and headquartered in Guatemala City, Guatemala, specializes in manufacturing solar energy systems aimed at providing reliable electricity to underserved rural communities. The company's mission is to improve the quality of life for individuals living without access to a dependable power grid, particularly in regions facing extreme poverty. Kingo offers a prepaid solar energy service that is more affordable than traditional lighting methods, such as candles and kerosene. Their solar energy kits can power essential household items, including light bulbs and mobile phone chargers, with payment options tailored to customers' budgets. Kingo has already benefited over 100,000 people, with significant reported improvements in cost savings, educational performance, and productivity among users. The company operates in Central America and South Africa, with ambitions to expand its reach to over 3 million individuals by 2020. Kingo's executive team comprises experienced professionals from various sectors, including consumer markets, telecommunications, and energy.

Lendable, Inc. is a financial technology company based in San Francisco, California, founded in 2014. The company specializes in providing risk analytics for lenders and originators of debt in developing markets. Lendable offers a comprehensive database that includes market repayment, demographic, and contextual data, which aids in improving and validating credit models. Additionally, it features a risk engine designed to assess individual credit risk as well as portfolio and group-level risk. Lendable focuses on offering debt financing to fintech companies in emerging and frontier markets, aiming to promote impact investing as a viable asset class. Through its technology and financial products, the company seeks to facilitate access to finance for a significant number of underserved borrowers.

Lendable is a lending platform. When you borrow money, it comes straight from an investor. Unlike banks, who hand out loans from piles of cash they look after on behalf of savers. Their platform is super-fast (you’ll see in a moment), and makes lending as hassle- free as possible. It’s a matter of a few clicks and you get your quote. Unlike banks, who require paperwork and run expensive branch networks.

Apollo Agriculture, founded in 2015 and based in Nairobi, Kenya, focuses on providing financial and technical support to smallholder farmers in emerging markets. The company offers farming loans to help farmers purchase essential inputs such as fertilizer, seeds, and crop insurance, along with access to expert consultations via mobile technology. By utilizing agronomic machine learning and remote sensing, Apollo tailors its services to individual farmers, assessing credit risk and customizing packages based on satellite and soil data, as well as crop yield models. This approach not only enhances the effectiveness of farming practices but also aims to significantly increase yields and profits for farmers.

Azure Power Global Limited, together with its subsidiaries, engages in the development, construction, ownership, operation, maintenance, and management of solar power plants in India. It generates solar energy based on long-term contracts with Indian government energy distribution companies, as well as other non-governmental energy distribution companies and commercial customers. As of March 31, 2020, the company operated 43 utility scale projects and various commercial rooftop projects with a combined rated capacity of 1,808 MW. Azure Power Global Limited was founded in 2008 and is based in New Delhi, India.

liwwa, Inc. operates a peer lending platform that connects small and medium-sized enterprises (SMEs) in need of capital with fixed-income investors. Founded in 2013 and based in Amman, Jordan, the platform facilitates access to funding for businesses while providing investors with opportunities to earn regular monthly returns. liwwa employs an in-house review process to assess the creditworthiness of borrowers, allowing them to make payments to investors through a lease-to-own model. The company has attracted seed funding from various investors and aims to expand its team and product offerings to enhance its services in the future.

JCM Power is a Canadian-based renewable energy company that develops and operates renewable energy projects in growth markets. JCM leverages its development expertise acquired through five years of development experience in Canada and over 70 projects, to emerging markets where the demand for renewable energy solutions is high and the level of experience with renewable energy is low.JCM is currently developing a multi-billion dollar clean power portfolio that includes both utility-sized solar photovoltaic projects and HVDC transmission projects.

Orb Energy Private Limited, established in 2006 and headquartered in Bengaluru, India, specializes in designing, manufacturing, marketing, selling, installing, and servicing solar photovoltaic and solar water heating systems. The company caters to residential and commercial clients, offering a range of products including polycrystalline and monocrystalline solar panels, solar inverters, solar street lights, solar rooftops, solar power plants, solar water pumping systems, and heat pumps. Orb Energy also operates a franchise model to expand its reach, leveraging a robust retail distribution network with 90 branches currently in operation. The company aims to provide affordable renewable energy solutions, particularly for off-grid households, with plans to double its branch network and workforce in the coming years to enhance accessibility for low-income customers. Additionally, Orb has expanded its operations to Kenya, furthering its mission to deliver sustainable energy solutions.

Azure Power Global Limited, together with its subsidiaries, engages in the development, construction, ownership, operation, maintenance, and management of solar power plants in India. It generates solar energy based on long-term contracts with Indian government energy distribution companies, as well as other non-governmental energy distribution companies and commercial customers. As of March 31, 2020, the company operated 43 utility scale projects and various commercial rooftop projects with a combined rated capacity of 1,808 MW. Azure Power Global Limited was founded in 2008 and is based in New Delhi, India.

M-KOPA Kenya Limited, established in 2011 and headquartered in Nairobi, specializes in developing and marketing solar home systems designed for off-grid customers. The company offers a range of solar products, including systems equipped with lights, phone charging capabilities, and solar-powered radios. M-KOPA began commercial operations in Kenya in 2012 and has since expanded its services to Uganda and Tanzania. The company operates through a network of over 1,000 retail agents and shops, employing a team of more than 500 staff. M-KOPA is recognized for its innovative "pay-as-you-go" energy services, which leverage a proprietary technology platform that integrates mobile payments and asset financing, facilitating access to affordable energy solutions for underserved communities. The firm is also exploring opportunities to license its technology to reputable partners in markets beyond East Africa.

Kingo Energy, founded in 2013 and headquartered in Guatemala City, Guatemala, specializes in manufacturing solar energy systems aimed at providing reliable electricity to underserved rural communities. The company's mission is to improve the quality of life for individuals living without access to a dependable power grid, particularly in regions facing extreme poverty. Kingo offers a prepaid solar energy service that is more affordable than traditional lighting methods, such as candles and kerosene. Their solar energy kits can power essential household items, including light bulbs and mobile phone chargers, with payment options tailored to customers' budgets. Kingo has already benefited over 100,000 people, with significant reported improvements in cost savings, educational performance, and productivity among users. The company operates in Central America and South Africa, with ambitions to expand its reach to over 3 million individuals by 2020. Kingo's executive team comprises experienced professionals from various sectors, including consumer markets, telecommunications, and energy.

Babban Gona inspires and enables hardworking smallholder farmers reach their full potential by providing a private sector channel for cost effective delivery of enhanced agricultural technologies and end-to-end services that optimize yields and labor productivity, while simultaneously improving market access.

Frontclear Management B.V., founded in 2015 and based in Amsterdam, Netherlands, is a financial markets development company that aims to foster stable and inclusive interbank markets in emerging and frontier economies. The company provides credit guarantees to local institutions, addressing counterparty credit risk and facilitating their access to both local and global financial markets. Frontclear's guarantees are compliant with Basel III and are supported by counter-guarantees from KfW, a AAA-rated financial institution. In addition to its guarantee services, Frontclear offers the Frontclear Technical Assistance Programme, which focuses on tailored technical support based on local needs analysis and market due diligence to overcome barriers to market development.

ContourGlobal is an international power generation company that develops, acquires, operates, and manages wholesale electric power generation assets. Established in 2005 and headquartered in London, the company operates a diverse portfolio of approximately 4,841 megawatts across 107 thermal and renewable energy power plants in 18 countries on three continents. Its Renewable Energy Segment generates electricity using hydro, solar, wind, and biogas, contributing 1,808 megawatts, while the Thermal Energy Segment relies on gas, coal, and oil to produce 2,509 megawatts. With a workforce of around 2,000 employees, ContourGlobal aims to create economic and social value through sustainable power generation, focusing on long-term contracts and a diversified approach to fuel sources and geographical presence.

Mobisol GmbH, founded in 2010 and based in Berlin, Germany, specializes in developing and installing solar home systems to provide electricity to underserved low-income customers in developing nations. The company offers solutions that power LED lights, radios, mobile phones, and various household appliances, while also promoting productive use appliances. Mobisol's innovative approach combines solar energy with an affordable mobile payment plan, making it accessible for those living without electricity. The company emphasizes comprehensive customer service and utilizes remote monitoring technology to ensure reliable performance. With additional offices in Tanzania, Rwanda, and Kenya, Mobisol operates as a subsidiary of ENGIE SA, focusing on delivering clean and affordable energy alternatives to fossil fuels.

Grupo Los Grobo is a leading agribusiness and investment company both in Brazil and the whole of Latin America in terms of the production and commercialization of agricultural commodities. They offer a broad, integrated and diversified business platform that covers agricultural land development, services that go from input provision to technical and financial assistance for small producers, as well as our own farming activities, wheat processing and commodities industrialization.

Kingo Energy, founded in 2013 and headquartered in Guatemala City, Guatemala, specializes in manufacturing solar energy systems aimed at providing reliable electricity to underserved rural communities. The company's mission is to improve the quality of life for individuals living without access to a dependable power grid, particularly in regions facing extreme poverty. Kingo offers a prepaid solar energy service that is more affordable than traditional lighting methods, such as candles and kerosene. Their solar energy kits can power essential household items, including light bulbs and mobile phone chargers, with payment options tailored to customers' budgets. Kingo has already benefited over 100,000 people, with significant reported improvements in cost savings, educational performance, and productivity among users. The company operates in Central America and South Africa, with ambitions to expand its reach to over 3 million individuals by 2020. Kingo's executive team comprises experienced professionals from various sectors, including consumer markets, telecommunications, and energy.

Ecobank Transnational Incorporated, established in 1985 and headquartered in Lomé, Togo, is a banking institution that provides a comprehensive range of retail, corporate, and investment banking services across Africa and internationally. The bank operates through three main segments: Corporate & Investment Banking, Commercial Banking, and Consumer Banking. Its offerings include various account types, personal and asset acquisition loans, mortgages, and payment cards, along with internet and mobile banking services. Additionally, Ecobank provides bancassurance, remittances, foreign exchange, trade finance, and cash management services. The bank serves a diverse clientele, including individuals, multinationals, government agencies, and small to medium-sized enterprises. With a network of 888 branches and over 2,460 ATMs, Ecobank has positioned itself as a key player in the West African banking sector, addressing the needs of a region previously dominated by foreign and state-owned banks.

Reliance Capital Management is an integrated financial services company, provides financial service products in Indonesia. It offers equities, underwriting, fixed income, asset management, and general and health insurance products. The company provides securities brokerage services in equity and fixed income markets; property, motor vehicle, cargo, engineering, and miscellaneous insurance products; hospitalization, outpatient, dental care, maternity care, and glasses insurance products; and health insurance support services.

Biofarma operates as a pharmaceutical manufacturer. Biofarma manufactures medicinal products made of donated human blood, recombinant preparations and drugs based on spore-forming bacteria.

Ujjivan Financial Services Limited, founded in 2005 and headquartered in Bengaluru, India, specializes in providing a comprehensive range of financial services aimed at economically active poor individuals in urban and semi-urban areas. The company offers a variety of products, including micro and rural finance, housing loans, personal and vehicle loans, and loans for micro and small businesses. Additionally, Ujjivan provides group and individual insurance products. Its subsidiary, Ujjivan Small Finance Bank Limited, was established in 2016 and focuses on serving financially unserved and underserved segments through banking products, including savings and current accounts, fixed deposits, and an array of loan offerings such as agricultural, educational, and personal loans. Ujjivan operates a significant network of banking outlets and ATMs, reflecting its commitment to financial inclusion in India.

Ram Power, Corp., a renewable energy company, engages in the acquisition, exploration, development, and operation of geothermal properties in the United States, Canada, and internationally. It owns interests in geothermal projects primarily in California, Nicaragua, and Nevada. The company, formerly known as GTO Resources Inc., based in Reno, Nevada.