Country Rwanda
Facility RIF II

Enabled via Incofin RIF II TA facility, Incofin has been working with Unguka Bank to develop an agricultural lending strategy, related products and methodologies as well as to migrate to a new, more efficient core banking management system. Three types of agricultural value chains have been identified as the most promising to be financed by Unguka Bank: egg, rice and Irish potato. The product prototypes and related methodologies are currently being piloted in three branches of Unguka Bank and are expected to be rolled out in early 2018. Unguka Bank aims to reach 15.000 new clients with the new products which will represent 20% of its total loan portfolio by 2018.

Country Pakistan
Facility RIF II

Recognising the unique opportunity to support a growing institution with a strong social mission, Incofin designed a comprehensive TA program to help Khushhali transform from a mono-line business model with a single group lending product into a dynamic, full service bank supporting small business owners across the country. The program not only allowed Khushhali to develop new MSME products and build expertise within the organisation, but also to craft a new business strategy and brand identity, propelling Khushhali’s future growth as it strives toward greater financial inclusion in Pakistan.

“The Incofin Technical Assistance Grant was instrumental in the transformation of Khushhali from a micro to a small enterprise bank. A first mover advantage in a largely un-served market” – Ghalib Nishtar, President and Chief Executive Officer 

Country Cambodia
Facility RIF II

With Incofin’s TA support, AMK conducted an extensive survey of rural households to understand their unique financial needs, better positioning AMK to design products and services that respond to real challenges its clients face. Upon discovering that many rural families have no means of saving for retirement (i.e. daily, medical and funeral expenses), Incofin supported AMK in developing a “Happy Old Age” pension product to provide greater income security for Cambodian families, which is now being rolled out across AMK’s nationwide network.

“The new Pension Fund Product, part of AMK’s savings product diversification strategy, could not have been created without the strong support of Incofin. Incofin does not only provide financial support to AMK, but has also connected us to consultants with wide-ranging expertise and effective project management abilities, enabling AMK to reach beyond expectation.” – Sophy Pum, Head of Deposit and Branchless Banking Product Development

Country Guatemala
Facility Rural Finance Partnership (IADB)

In 2013, as crop diseases caused coffee and cardamom prices to plummet, FUNDEA and Incofin developed a technical assistance program to help FUNDEA better manage agricultural and climate risks, ensuring greater security for its clients and financial sustainability for the institution itself. In addition to supporting FUNDEA to diversify its portfolio by financing new crops, Incofin’s TA facility helped FUNDEA to implement an innovative risk management software which uses geolocation technology along with climate and agricultural data to create customised “risk maps” that allow FUNDEA to pinpoint and respond quickly in areas of heightened risk.

“Incofin’s Technical Assistance has provided us with important tools for a more sustainable approach to agricultural financing.” – Edwin Sánchez, Director of Risk

Country Ecuador
Facility FAF TAF

Supporting Jardin Azuayo’s mission to combat rural poverty, the Fairtrade Access Fund provided a long-term loan along with advisory services to scale up the organisation’s Productive Credit and Technical Assistance (PCTA) program. This would allow Jardin Azuayo to reach farmers in 15 particularly underserved regions of Southern Ecuador with much-needed financial services and technical trainings.

With Incofin’s capacity building support, Jardin Azuayo has worked with 20 producers to design a tailored investment plan to renovate his or her farm, then to provide the financing and hands-on technical assistance to help make it a reality.

“Incofin’s support has been fundamental not only to the Cooperative’s financial management, but also in building skills of producers to farm in a more productive and environmentally sustainable way, which contributes to improving the quality of life for smallholders.” – Wilmer Yanez, Cooperative Services

Country Uganda
Commodity Coffee
Certificates

ACPCU is a coffee processer and exporter, 100% owned by over 8,650 smallholder farmers across 20 cooperatives. ACPCU is directly involved with the improvement of quality of life for its members and actively participates in community outreach projects. ACPCU also offers a wide variety of farmer capacity building programs such as educating in good agronomical practices and natural resource management.