GAWA Capital

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.

Pahal is a Non-Banking Financial Services Company that specializes in providing microfinance services primarily aimed at low-income households and marginalized communities. The company offers a diverse range of financial and non-financial products and services designed to meet the evolving needs of its customers. By focusing on the unique requirements of its target demographic, Pahal aims to empower individuals and families, helping them to enhance their standard of living.

WayCool is an agri-tech company focused on the processing, distribution, and procurement of fresh produce, dairy products, and staples. By utilizing technology and innovative quality management practices, WayCool enhances logistics and distribution services while also increasing farmers' income. The company sources fruits and vegetables primarily from smallholder farmers and aggregators, distributing these products to local shops, modern retail outlets, hotels, restaurants, and catering establishments. Additionally, WayCool operates a retail brand called SunnyBee, which includes physical stores, mobile stores on trucks, and e-commerce platforms. Through these channels, WayCool establishes direct connections between farmers and consumers, ensuring efficient access to fresh, clean, and quality produce. The company also offers a range of high-quality private label products through collaborations with sister companies.

Norandino is a bank that provides financial services to farmers and producers. They provide banking services such as savings, credits, social welfare funds, and insurance deductions. They also provide light bill payment, payment of telephone services, cable, and payment of beauty products.

Kinara Capital is a financing company based in Bengaluru, India, that specializes in providing flexible collateral-free loans to small business entrepreneurs. Founded in 2011 by Hardika Shah, the company primarily targets growing businesses that need funding for working capital, capital assets, and startup expenses. Its lending portfolio encompasses various industries, including agri-products, handicrafts, water, food, and energy. Kinara Capital aims to bridge the gap between microfinance and commercial capital by offering loans ranging from Rs 1 lakh to 15 lakh to micro and small enterprises. The company is recognized for its personalized customer service and rapid loan processing, leveraging data-driven insights to enhance its offerings. Kinara Capital has received accolades such as being named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and being listed among the Top 100 High-Growth Companies in the Asia-Pacific by the Financial Times.

Kinara Capital is a financing company based in Bengaluru, India, that specializes in providing flexible collateral-free loans to small business entrepreneurs. Founded in 2011 by Hardika Shah, the company primarily targets growing businesses that need funding for working capital, capital assets, and startup expenses. Its lending portfolio encompasses various industries, including agri-products, handicrafts, water, food, and energy. Kinara Capital aims to bridge the gap between microfinance and commercial capital by offering loans ranging from Rs 1 lakh to 15 lakh to micro and small enterprises. The company is recognized for its personalized customer service and rapid loan processing, leveraging data-driven insights to enhance its offerings. Kinara Capital has received accolades such as being named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and being listed among the Top 100 High-Growth Companies in the Asia-Pacific by the Financial Times.

Fusion Microfinance, headquartered in New Delhi, operates primarily in the North Central region of India, including Madhya Pradesh, Uttarakhand, Uttar Pradesh, Delhi, and Haryana. Established in January 2010, the company initially focused on microfinance lending to financially underserved women organized into Joint Liability Groups (JLGs). It provides small, collateral-free loans to empower these women and also extends its services to micro, small, and medium enterprises (MSMEs). In addition to lending, Fusion Microfinance leverages its distribution channels to offer various financial products aimed at enhancing productivity, such as loans for purchasing mobile handsets and bicycles. The company's acquisition of the microfinance division Aajeevika, which had a modest initial member base, further strengthened its operations and outreach in the sector.

Kinara Capital is a financing company based in Bengaluru, India, that specializes in providing flexible collateral-free loans to small business entrepreneurs. Founded in 2011 by Hardika Shah, the company primarily targets growing businesses that need funding for working capital, capital assets, and startup expenses. Its lending portfolio encompasses various industries, including agri-products, handicrafts, water, food, and energy. Kinara Capital aims to bridge the gap between microfinance and commercial capital by offering loans ranging from Rs 1 lakh to 15 lakh to micro and small enterprises. The company is recognized for its personalized customer service and rapid loan processing, leveraging data-driven insights to enhance its offerings. Kinara Capital has received accolades such as being named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and being listed among the Top 100 High-Growth Companies in the Asia-Pacific by the Financial Times.

Kinara Capital is a financing company based in Bengaluru, India, that specializes in providing flexible collateral-free loans to small business entrepreneurs. Founded in 2011 by Hardika Shah, the company primarily targets growing businesses that need funding for working capital, capital assets, and startup expenses. Its lending portfolio encompasses various industries, including agri-products, handicrafts, water, food, and energy. Kinara Capital aims to bridge the gap between microfinance and commercial capital by offering loans ranging from Rs 1 lakh to 15 lakh to micro and small enterprises. The company is recognized for its personalized customer service and rapid loan processing, leveraging data-driven insights to enhance its offerings. Kinara Capital has received accolades such as being named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and being listed among the Top 100 High-Growth Companies in the Asia-Pacific by the Financial Times.

Acceso Crediticio S.A., founded in 1999 and based in Lima, Peru, is a financial institution focused on providing car loans primarily to informal taxi drivers operating in underserved urban areas. As a subsidiary of Acceso Corp. S.A., the company aims to serve base-of-the-pyramid entrepreneurs who often lack access to traditional banking services. By offering tailored financial products, Acceso Crediticio addresses the needs of this unbanked market segment, promoting the acquisition of clean energy-powered vehicles to help reduce CO2 emissions. The institution's approach not only facilitates mobility for low-income drivers but also contributes to environmental sustainability.

Microserfin is a prominent non-banking micro-financing institution in Panama, with over 26 years of experience focused on enhancing the standard of living for low-income entrepreneurs and their families. The organization offers microfinancing solutions aimed at fostering social and economic development. By promoting sustainable and inclusive growth, Microserfin enables its clients to improve their quality of life and generate opportunities for advancement. Through its targeted financial services, the institution supports individuals in vulnerable situations, helping them to achieve greater economic stability and empowerment.

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.

Fusion Microfinance, headquartered in New Delhi, operates primarily in the North Central region of India, including Madhya Pradesh, Uttarakhand, Uttar Pradesh, Delhi, and Haryana. Established in January 2010, the company initially focused on microfinance lending to financially underserved women organized into Joint Liability Groups (JLGs). It provides small, collateral-free loans to empower these women and also extends its services to micro, small, and medium enterprises (MSMEs). In addition to lending, Fusion Microfinance leverages its distribution channels to offer various financial products aimed at enhancing productivity, such as loans for purchasing mobile handsets and bicycles. The company's acquisition of the microfinance division Aajeevika, which had a modest initial member base, further strengthened its operations and outreach in the sector.

Banco D-MIRO S.A., located in Guayaquil, Ecuador, specializes in providing micro-financing services aimed at fostering development in vulnerable coastal communities. Established as a foundation in 1997, it began by addressing the financial needs of residents in Trinitaria Island, facilitating small loans to improve their businesses. Over the years, the organization experienced significant growth, transitioning into a regulated financial institution in 2011. By the end of 2010, it served approximately 37,000 families with a portfolio of 30 million dollars. Banco D-MIRO focuses on individual micro-credit and savings, enabling clients to invest in their financial futures while contributing to social development. Its mission is to be a leading force in alleviating poverty in Ecuador, particularly in underserved areas.

Crezcamos is a microfinance company dedicated to supporting lower-income communities through inclusive financial services. Operating primarily in rural areas, it focuses on micro and small entrepreneurs, providing essential microloans and micro-insurances to help them meet their financing needs. The company aims to expand its reach in both banked and underbanked regions, facilitating economic progress and sustainable growth for small businesses and entrepreneurial households in small cities and towns.

ProCredit Holding is a financial institution that manages a group of banks across various regions, focusing on responsible banking practices and sustainable development. The company is engaged in general banking functions, including accepting deposits, providing loans, and offering current and savings accounts, along with a range of other banking services. Its operations span several geographical segments, including South-Eastern Europe, where it operates seven banks in Albania, Bosnia and Herzegovina, Bulgaria (with branch operations in Greece), Kosovo, North Macedonia, Romania, and Serbia. In Eastern Europe, it has three banks in Georgia, Moldova, and Ukraine, while in South America, it operates one bank in Ecuador. Additionally, ProCredit Holding has a presence in Germany through ProCredit Bank. The company emphasizes strategic management, capital adequacy, and effective risk management to ensure proper business organization within the group.

Credo Bank is a microfinance institution operating in Georgia. Regulation of healthy working environment, business processes and service relationships promotes the company's core values. Values ​​are the fundamental basis of organizational behavior. These are the principles that are reflected in everyday activity.

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.

LOLC Micro Credit Limited, a microfinance and non-bank financial institution based in Rajagiriya, Sri Lanka, specializes in providing microcredit products and services. Established in 2003, the company offers financing for various vehicles, including three-wheelers, motorcycles, and light trucks, as well as agricultural equipment like mini combine harvesters and threshers. It also provides group loans specifically designed for women entrepreneurs and various individual lending schemes aimed at supporting small entrepreneurs and farmers. The company has established strategic partnerships with several international organizations and financial institutions to enhance its service offerings. In 2018, LOLC Micro Credit was acquired by LOLC Finance PLC, a prominent finance company in Sri Lanka, which has further strengthened its position in the microfinance sector. Through its activities, LOLC Micro Credit aims to empower communities and contribute to the economic development of Sri Lanka by facilitating access to financial resources for underserved populations.

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.

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.