GAWA Capital

Visage Holdings and Finance Private Limited, a social business, provides loans to micro and small enterprises in Bengaluru, India. It offers term loans, purchase order backed short-term loans, and a bill discounting facility to producers and providers for asset purchase or working capital needs; and financial management training and business diagnostics. The company serves sole proprietor firms, artisan groups, partnership firms, and village level entrepreneurs. Visage Holdings and Finance Private Limited is based in Bengaluru, India.

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

Acceso Crediticio is a Peruvian-based financial institution specialised in providing loans to base-of-the-pyramid entrepreneurs working in the transportation industry. The institution targets informal taxi drivers who develop their activities around the poorest urban areas of Lima, offering an adequate and appropriate product to an unbanked market segment neglected by the traditional financial institutions. The products offered by Acceso incentive the use of clean energy powered vehicles, reducing CO2 emissions.

CreditAccess Philippines Financing Company Inc. provides financial products and services for low income individuals and small businesses in the Philippines. The company was founded in 2014 and is based in Pasig City, Philippines.

Insotec offers financial and support services. The company is based in Edif. Kiwy, Ecuador.

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

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

Fusion Microfinance Private Limited, a non-banking financial company, provides micro-credit services to women entrepreneurs in rural and semi-urban areas in India. It offers micro-credit services to start new business or expand existing businesses; and life insurance products. As of March 31, 2019, the company operated through a network of 504 branches. Fusion Microfinance Private Limited was incorporated in 1994 and is headquartered in New Delhi, India.

Banco D-MIRO S.A. is based in Guayaquil, Ecuador.

Varthana Finance Private Limited provides loans and support to affordable private schools in India. It meets the needs of affordable private school owners by providing loan capital to expand their infrastructure, invest in teacher-training, and introduce new learning methods into their classrooms. The company also provides unsecured loans to purchase of lab equipment, classroom furniture, smart classes, CCTV installation, restrooms construction, and others; secured loans to purchase land, computer labs, vehicles, infrastructure improvements, and others; and working capital facility loans. It also offers loans for higher education, PUC, degree, vocational, and training courses in India. In addition, the company provides management solutions that include the analysis of school performance from a leadership and management perspective, insights into improving the profile of the school in the community, identifying opportunities for sustainable growth and impact, customized marketing strategy and planning with implementation, and detailed financial modelling to assess specific projects and ROI; and academic solution to identify specific opportunities to improve school/student performance. Varthana Finance Private Limited was formerly known as Thirumeni Finance Private Limited and changed its name to Varthana Finance Private Limited in July 2020. The company was incorporated in 1984 and is based in Bengaluru, India.

Insotec offers financial and support services. The company is based in Edif. Kiwy, Ecuador.

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

Sinapi Aba Trust provides small and micro-credit services to viable small and micro enterprises. Sinapi Aba Savings and Loans is a new company born out of Sinapi Aba Trust. It is a Non-Banking Financial Institution licensed under the Non-Bank Financial institutions Act 2008(Act 774), authorized to carry on the business of Savings and Loans on the 28th of March, 2013 in Ghana. All loan and savings activities that were previously managed by the Trust are new under the care of the savings and loans company. Sinapi Aba Savings and Loans offer a variety of loan and savings products. Sinapi Aba Trust now focuses on non-financial services such as transformation, capacity building training, research and development, marketing activities, corporate relations and projects management. The Trust therefore provides support services to the Savings and Loans company. Both institutions thus work together in transforming the lives of the economically active in Ghana.

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

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

AzerCredit is one of the leading microfinance institutions of the Republic of Azerbaijan and it operates mostly in the agricultural sector. It was initially established in 1996 as AzEF (Azerbaijan Enterprise Fund). Later, in 2002 it was renamed AzerCredit LLC and obtained a license from the Central Bank of Azerbaijan.

JSC CREDO Bank provides a range of financial products and services to micro, small, and medium businesses in Georgia. It offers loans, start-up loans, installments, credit and debit cards, insurance products, remittances, deposits, and accounts for individuals and businesses, as well as payroll services for businesses. JSC CREDO Bank was formerly known as JSC Microfinance Organization Credo and changed its name to JSC CREDO Bank in March 2017. The company was founded in 1997 and is based in Tbilisi, Georgia. JSC CREDO Bank operates as a subsidiary of Access Microfinance Holding AG.

Sindhuja Microcredit is a new generation digital and rural-focused Micro Finance Institution (MFI) providing financial services to the bottom of the pyramid self-employed women entrepreneurs.

Jana Small Finance Bank Limited provides banking products and services in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers current and saving accounts; and regular fixed and recurring deposits. It also provides group, business, home and home improvement, gold, and agriculture and individual loans. In addition, the company offers debit card, online banking, and payment services. It serves individuals and corporates. The company was formerly known as Janalakshmi Financial Services Limited and changed its name to Jana Small Finance Bank Limited in March 2018. Jana Small Finance Bank Limited was incorporated in 2006 and is based in Bengaluru, India.

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

Varthana Finance Private Limited provides loans and support to affordable private schools in India. It meets the needs of affordable private school owners by providing loan capital to expand their infrastructure, invest in teacher-training, and introduce new learning methods into their classrooms. The company also provides unsecured loans to purchase of lab equipment, classroom furniture, smart classes, CCTV installation, restrooms construction, and others; secured loans to purchase land, computer labs, vehicles, infrastructure improvements, and others; and working capital facility loans. It also offers loans for higher education, PUC, degree, vocational, and training courses in India. In addition, the company provides management solutions that include the analysis of school performance from a leadership and management perspective, insights into improving the profile of the school in the community, identifying opportunities for sustainable growth and impact, customized marketing strategy and planning with implementation, and detailed financial modelling to assess specific projects and ROI; and academic solution to identify specific opportunities to improve school/student performance. Varthana Finance Private Limited was formerly known as Thirumeni Finance Private Limited and changed its name to Varthana Finance Private Limited in July 2020. The company was incorporated in 1984 and is based in Bengaluru, India.

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.

ASA International India Microfinance Limited provides micro financing services in India. It offers primary, special, business, business correspondence, and family loans. The company was formerly known as Dilkusha Hire Purchase Pvt. Ltd. and changed its name to ASA International India Microfinance Limited in 2009. The company was incorporated in 1990 and is based in Kolkata, India. As of July 31, 2008, ASA International India Microfinance Limited operates as a subsidiary of ASA-International Holding Ltd.

LOLC Myanmar Micro-Finance Company Limited, a micro-finance institution, provides financial services. It offers loans and savings, such as group loans, individuals loans, and deposits services to employees, micro and small businesses, and agriculture sector. The company was founded in 2013 and is based in Yangon, Myanmar. LOLC Myanmar Micro-Finance Company Limited operates as a subsidiary of LOLC Holdings PLC.

Fusion Microfinance Private Limited, a non-banking financial company, provides micro-credit services to women entrepreneurs in rural and semi-urban areas in India. It offers micro-credit services to start new business or expand existing businesses; and life insurance products. As of March 31, 2019, the company operated through a network of 504 branches. Fusion Microfinance Private Limited was incorporated in 1994 and is headquartered in New Delhi, India.

Acceso Crediticio is a Peruvian-based financial institution specialised in providing loans to base-of-the-pyramid entrepreneurs working in the transportation industry. The institution targets informal taxi drivers who develop their activities around the poorest urban areas of Lima, offering an adequate and appropriate product to an unbanked market segment neglected by the traditional financial institutions. The products offered by Acceso incentive the use of clean energy powered vehicles, reducing CO2 emissions.

Soluciones de Microfinanzas S.A. provides microfinance services to low-income entrepreneurs and their families primarily in Latin America. It offers micro credit to serve the working capital needs, improvements, or acquisition of fixed assets and financing the expansion plans of formal or informal entrepreneurs; credit to build or improve homes to micro entrepreneurs; finance to agro businesses; credit for activities of transport of passengers, cargo, and carries; and credit to small formal companies dedicated to activities of commerce, services, or industry. The company was founded in 1984 and is based in Panama city, Panama with a network of offices in Panama. As per the transaction announced on December 17, 2010, Soluciones de Microfinanzas S.A. operates as a subsidiary of Fundación BBVA para las Microfinanzas.

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

CreditAccess Philippines Financing Company Inc. provides financial products and services for low income individuals and small businesses in the Philippines. The company was founded in 2014 and is based in Pasig City, Philippines.

Fondo Esperanza SpA provides microcredits and microinsurance services. It also offers training and support networks. The company was founded in 1966 and is based in San Antonio, Chile.

Fusion Microfinance Private Limited, a non-banking financial company, provides micro-credit services to women entrepreneurs in rural and semi-urban areas in India. It offers micro-credit services to start new business or expand existing businesses; and life insurance products. As of March 31, 2019, the company operated through a network of 504 branches. Fusion Microfinance Private Limited was incorporated in 1994 and is headquartered in New Delhi, India.

Kanakadurga Finance Limited, a non-banking financial company, provides financial solutions to the rural, semi urban, and urban borrowers. The company offers loans for the purchase of SCVs, LCVs, school buses, and tractors; used cars or 4 wheelers; 3 and 2 wheelers; and gold loans. It has approximately 100 branches in Andhra Pradesh, Telangana, Karnataka, Tamil Nadu, and Gujarat. The company was formerly known as Kanakadurga Leasing & Finance Limited. Kanakadurga Finance Limited was incorporated in 1994 and is based in Vijayawada, India.

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

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

Visage Holdings and Finance Private Limited, a social business, provides loans to micro and small enterprises in Bengaluru, India. It offers term loans, purchase order backed short-term loans, and a bill discounting facility to producers and providers for asset purchase or working capital needs; and financial management training and business diagnostics. The company serves sole proprietor firms, artisan groups, partnership firms, and village level entrepreneurs. Visage Holdings and Finance Private Limited is based in Bengaluru, India.

Banco D-MIRO S.A. is based in Guayaquil, Ecuador.

Financiera Fondo de Desarrollo Local, S.A., a microfinance company, provides banking products and services to individuals or solidarity groups in rural and urban sectors. The company offers micro loans and other financial products for working capital, sales of season, investments, equipment purchase, personal expenses, and improvement of housing to small and medium businesses; and loans for agricultural or livestock, and investment and development products. It also offers individual loans for personal expenses, improvement or expansion of housing, purchase of motorcycles or vehicles, home buying, and working capital. In addition, the company supplies micro insurance products, which include family safe, income, and other insurance products in Nicaragua. Financiera Fondo de Desarrollo Local, S.A. was founded in 1992 and is headquartered in Managua, Nicaragua.

Kanakadurga Finance Limited, a non-banking financial company, provides financial solutions to the rural, semi urban, and urban borrowers. The company offers loans for the purchase of SCVs, LCVs, school buses, and tractors; used cars or 4 wheelers; 3 and 2 wheelers; and gold loans. It has approximately 100 branches in Andhra Pradesh, Telangana, Karnataka, Tamil Nadu, and Gujarat. The company was formerly known as Kanakadurga Leasing & Finance Limited. Kanakadurga Finance Limited was incorporated in 1994 and is based in Vijayawada, India.

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

Fusion Microfinance Private Limited, a non-banking financial company, provides micro-credit services to women entrepreneurs in rural and semi-urban areas in India. It offers micro-credit services to start new business or expand existing businesses; and life insurance products. As of March 31, 2019, the company operated through a network of 504 branches. Fusion Microfinance Private Limited was incorporated in 1994 and is headquartered in New Delhi, India.

Emprende Microfinanzas S.A. offers credit and microfinance services in rural and urban areas. The company is based in Santiago, Chile.

FDL is a Nicaraguan nonprofit microfinance institution (MFI) that is committed to integrated service provision in rural areas where access to essential services is often limited. The organization began its activities in 1992 as part of the NITLAPAN* research institute and became its own independent entity in 1997. While the organization’s principal mission is to provide financial services to micro, small and medium entrepreneurs, it has continued to work closely with NITLAPAN to design innovative, non-financial products and services that meet the multifaceted needs of small producers.