GAWA Capital

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.

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.

WayCool Foods & Products Pvt. Ltd. procures, preserves, packs, re-packs, transports, and trades fruits, vegetables, nuts, spices, condiments, dairy products, and baked goods, as well as grocery products, including staples and cereals. The company also designs and constructs storage facilities for own and third party’s sale or lease, develop, and manage the operations of cold chain distribution. It provides its products through its retail stores and mobile stores on trucks, as well as e-commerce in Chennai. The company was incorporated in 2015 and is based in Chennai, India.

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.

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.

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.

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

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.

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.

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.