International Finance Corporation

National Finance is a non-banking financial institution that specializes in providing a diverse range of financial solutions to both retail and corporate customers, with a particular emphasis on small and medium enterprises. The company offers various products, including vehicle finance, consumer durables finance, equipment finance, and corporate deposits. Additionally, National Finance provides factoring services and special financing schemes to meet the needs of its clients. With digital platforms in place, the company aims to enhance its service delivery and maintain a strong customer base.

Home First Finance Company (HFFC) specializes in providing housing finance solutions aimed at first-time buyers of affordable homes priced between Rs. 5 lakhs and Rs. 30 lakhs. The company addresses the needs of customers who often face challenges in securing loans from traditional banks and housing finance companies. HFFC offers a range of financial products, including housing loans, loans for commercial property purchases, loans against property, and construction finance. In addition to financial assistance, the company supports customers throughout the home-buying process by addressing their queries related to loan eligibility, documentation, repayment, and ownership registration, ensuring a comprehensive and supportive experience for individuals seeking to own their homes.

Shriram Finance is an Indian non-banking finance company that specializes in providing financing for pre-owned commercial vehicles and equipment, as well as various types of loans. The company's offerings include personal loans, business loans, bike loans, gold loans, and loans for commercial vehicles. In addition to loan origination and valuation, Shriram Finance also focuses on loan collection, offering ancillary services such as financing for working capital, engine replacement, bill discounting, credit cards, and tire loans. The majority of the company's revenue is generated from interest income on the loans it provides, with its primary market being India.

Profectus Capital specializes in providing non-banking financial services to small and medium enterprises (SMEs) in the manufacturing and service sectors. The company offers tailored financing solutions, including term loans and working capital loans, designed to support capacity expansion, modernization, and other specific needs of SMEs. Profectus Capital also facilitates financing for machinery and equipment, as well as supply chain funding for dealers. By leveraging technology, the firm streamlines the loan processing experience, allowing for quicker lending decisions with minimal documentation, ultimately enabling clients to access cost-effective financial solutions conveniently.

Bajaj Auto Finance is a non-bank finance company that specializes in providing retail loans in India. It offers a diverse range of financing options, including loans for two-wheelers, commercial vehicles, and three-wheelers, as well as loans for consumer durables and unsecured personal needs. As a subsidiary of Bajaj Auto, one of the largest two-wheeler manufacturers in India and globally, the company leverages its parent’s strong market presence to cater to the financial needs of a wide customer base.

First Circle, founded in 2015 and based in Taguig, Philippines, specializes in providing financing solutions for small and medium enterprises (SMEs) across Southeast Asia. The company offers a range of services, including consumer lending, mortgages, and asset-based lending, with a focus on short-term loans that are collateral-free. First Circle aims to support business owners in their growth endeavors by leveraging advanced technology, data analytics, and a user-friendly online platform. Additionally, the company provides dedicated customer support and resources to foster a community of business owners, ultimately enhancing opportunities for SMEs to thrive.

BHub is a leading financial back-office solution provider for small and medium enterprises (SMEs) in Latin America. The company offers an AI-based platform that allows entrepreneurs to fully outsource their finance and administrative tasks. BHub's platform automates workflows related to accounts payable and receivable, accounting, taxes, and payroll, significantly reducing the time, costs, and labor involved in these functions. By providing a range of subscription packages that encompass various services, including legal and human resources, BHub enables startups and SMEs to streamline their operations and focus on core business activities.

Vayana Network is a financing network that facilitates electronic trade transactions between businesses and their trade partners. It enables companies to efficiently manage their receivables and payables by connecting them with banks and financial institutions for financing options. Through its online lending platform, Vayana Network provides working capital finance specifically designed for small and medium enterprises, allowing them to access short-term business loans to support growth. The company also offers a Commercial Card solution in collaboration with MasterCard and various banks, enhancing payable financing options for its clients. By streamlining the trade financing process, Vayana Network aims to empower businesses in managing their financial operations more effectively.

MNT-Halan is a microfinance lending and payments company focused on serving the unbanked population and promoting electronic payment solutions. The company offers a diverse range of financial services, including small and micro business lending, consumer finance, and digital payment options such as mobile wallets and cards. By combining proprietary digital channels with physical networks, MNT-Halan aims to facilitate the digitalization of banking services for both commercial and retail clients. Through its innovative solutions, MNT-Halan seeks to replace cash transactions with more accessible and efficient electronic alternatives.

Vastu Housing Finance Corporation Limited is a non-deposit taking housing finance company based in Mumbai, India, established in 2005. The company focuses on providing long-term housing finance primarily to the middle-income and affordable housing segments. It offers a variety of loan products, including home loans for purchasing, constructing, or improving residential properties, as well as loans for commercial properties and loans against property. Vastu Housing Finance also caters to self-employed individuals, enabling them to secure loans even without extensive documentation or significant credit history. As of March 31, 2020, the company operated 66 branches across India, emphasizing its commitment to socially relevant housing finance solutions.

Suning Finance is a financial technology platform that includes wealth management, loans, insurance, and the suning card. It also provides payment accounts, investment banking, consumer loans, corporate loans, insurance, crowdfunding, private equity financing, and other financial services.

First Circle, founded in 2015 and based in Taguig, Philippines, specializes in providing financing solutions for small and medium enterprises (SMEs) across Southeast Asia. The company offers a range of services, including consumer lending, mortgages, and asset-based lending, with a focus on short-term loans that are collateral-free. First Circle aims to support business owners in their growth endeavors by leveraging advanced technology, data analytics, and a user-friendly online platform. Additionally, the company provides dedicated customer support and resources to foster a community of business owners, ultimately enhancing opportunities for SMEs to thrive.

M Bank is a digital bank that offers financial services, accounting, risk management, and compliance services.

KB J Capital provides financial services including personal loans, mobile loans, and car registration loans.

Northern Arc Capital Limited is a non-banking financial company based in Chennai, India, that focuses on providing access to debt finance for underserved households and businesses. The company offers a diverse range of financial products, including microfinance, agricultural finance, housing finance, vehicle finance, consumer finance, small business loans, and gold loans. In addition to traditional lending, Northern Arc Capital provides fintech services, structured products, and capital market instruments. The company also engages in debt syndication and guarantee-backed lending, facilitating connections between originators to enhance the delivery of financial services. Established in 1989 and originally named IFMR Capital Finance Private Limited, it rebranded to Northern Arc Capital Limited in March 2018.

Northern Arc Capital Limited is a non-banking financial company based in Chennai, India, that focuses on providing access to debt finance for underserved households and businesses. The company offers a diverse range of financial products, including microfinance, agricultural finance, housing finance, vehicle finance, consumer finance, small business loans, and gold loans. In addition to traditional lending, Northern Arc Capital provides fintech services, structured products, and capital market instruments. The company also engages in debt syndication and guarantee-backed lending, facilitating connections between originators to enhance the delivery of financial services. Established in 1989 and originally named IFMR Capital Finance Private Limited, it rebranded to Northern Arc Capital Limited in March 2018.

Coris Bank International Guinée provides financing facilities.

Shinhan Finance is a consumer finance company.

Arnur Credit is a microfinance organization based in Shymkent, Kazakhstan, dedicated to supporting micro-entrepreneurs and small businesses. The company primarily focuses on lending to individuals and enterprises in the underserved agricultural sector of southern Kazakhstan. By providing accessible financial solutions, Arnur Credit aims to foster the development and growth of these businesses, promoting economic activity in the region.

Amartha is a microfinance technology platform dedicated to fostering economic growth at the grassroots level by facilitating connections between micro and small to medium-sized enterprises (SMEs) and investors. The platform enables entrepreneurs, particularly in rural areas, to access microfinance loans through user-friendly mobile applications and websites. By bridging the gap between potential lenders and borrowers, Amartha aims to create equal opportunities for prosperity, thereby contributing to the overall development of local economies.

IIFL Finance is a prominent financial services company based in India, focusing on providing a diverse range of financial solutions. Its core offerings include home loans, gold loans, business loans, and microfinance solutions, which cater to various customer needs. In addition to these core products, IIFL Finance also engages in synergistic activities related to capital markets, construction, and real estate. The company operates through two main business units: core products and synergistic products, with home loans and business loans being significant components of its operations. IIFL Finance's comprehensive approach encompasses credit and finance, wealth management, financial product distribution, asset management, and investment banking, generating all its revenue domestically.

Veritas Finance is dedicated to addressing the financial needs of micro, small, and medium enterprises, particularly those in the informal sector with limited access to financial services. The organization aims to make a significant impact by providing inclusive financial solutions to individuals engaged in informal activities, thereby supporting their growth and contributing to the broader economy. Veritas Finance offers a range of loan products, including short-term loans for working capital, medium-term loans for business expansion, and long-term loans for asset creation. With a team of professionals experienced in the financial services industry, the company strives to simplify the credit process for its customers, ultimately enhancing their ability to thrive in a competitive business landscape.

Thai Credit Retail Bank is a commercial bank based in Thailand, established in 2004 by Wanit Chaiyawan. The bank is dedicated to sustainable banking practices, emphasizing environmental, social, and governance (ESG) principles in its operations. It offers a range of financial services, focusing primarily on micro and small business loans, including MSME and Nano and Micro Finance aimed at supporting small entrepreneurs. Its operations are divided into two main segments: the banking business, which includes loans secured by residential property, personal loans, and gold loans, and an e-Wallet business run by a subsidiary. The majority of the bank's revenue is derived from its banking activities, reflecting its commitment to fostering sustainable growth for both businesses and society.

Bank of Kigali is a commercial banking institution established in December 1966 and headquartered in Kigali, Rwanda. The bank offers a wide range of financial services, including loans, accounting, asset finance, foreign exchange, and trade services. It serves both individuals and businesses across various sectors, including information technology and business products. The bank is committed to creating value for its stakeholders and aims to be a leading provider of innovative financial solutions in the region. In addition to focusing on customer service, Bank of Kigali invests in its employees, providing them with meaningful rewards to encourage their contributions to the company and the community.

Interbank Burundi is a financial institution that offers finance and banking services.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

Produbanco - Grupo Promerica is a financial institution that offers a range of services and products tailored to meet the needs of its clients. They prioritize building strong relationships with customers based on mutual trust, providing dynamic and accessible solutions. With a focus on understanding and addressing local financial needs, Produbanco - Grupo Promerica aims to serve its clients in a personalized and efficient manner.

Mintifi is an online lending platform in India focused on empowering small and medium businesses through accessible financing solutions. By leveraging technology and partnerships with companies like WhatsApp, Mintifi streamlines the loan process, allowing businesses to obtain funds quickly and efficiently. The platform specializes in supply chain financing, specifically targeting the last-mile distribution network. By providing flexible and affordable financing options, Mintifi enhances the purchasing experience for businesses, enabling them to manage their operations and supply chains more effectively.

SeA Bank is a banking institution that provides various services. The bank gives small businesses, large enterprises, and individuals access to a variety of banking products and services, including daily banking services, cards, including debit and credit cards, savings services, home loans, auto loans, and international transaction services. While preserving the expansion of large organizations, it places an emphasis on professional households and small and medium-sized businesses. SeA Bank was established in 1994 in Hanoi, Vietnam.

MNT-Halan is a microfinance lending and payments company focused on serving the unbanked population and promoting electronic payment solutions. The company offers a diverse range of financial services, including small and micro business lending, consumer finance, and digital payment options such as mobile wallets and cards. By combining proprietary digital channels with physical networks, MNT-Halan aims to facilitate the digitalization of banking services for both commercial and retail clients. Through its innovative solutions, MNT-Halan seeks to replace cash transactions with more accessible and efficient electronic alternatives.

LulaLend is more than a company. It’s a belief in the power of small business, making a difference, building a better solution and striving for excellence. We work hard to empower businesses across South Africa with the funds they need to grow, and we have a great time doing it!

KLYM is a financial services platform operating in Latin America, specializing in digital financial solutions for businesses. The platform provides various financing options, including working capital financing, purchase order financing, and vendor financing. By streamlining the financing process, KLYM enables companies to access the capital they need quickly and efficiently, with approvals typically granted in less than an hour. This innovative approach allows businesses to secure funding without the complexities associated with traditional banking institutions, thereby facilitating their growth and operational efficiency.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

Home First Finance Company (HFFC) specializes in providing housing finance solutions aimed at first-time buyers of affordable homes priced between Rs. 5 lakhs and Rs. 30 lakhs. The company addresses the needs of customers who often face challenges in securing loans from traditional banks and housing finance companies. HFFC offers a range of financial products, including housing loans, loans for commercial property purchases, loans against property, and construction finance. In addition to financial assistance, the company supports customers throughout the home-buying process by addressing their queries related to loan eligibility, documentation, repayment, and ownership registration, ensuring a comprehensive and supportive experience for individuals seeking to own their homes.

SeA Bank is a banking institution that provides various services. The bank gives small businesses, large enterprises, and individuals access to a variety of banking products and services, including daily banking services, cards, including debit and credit cards, savings services, home loans, auto loans, and international transaction services. While preserving the expansion of large organizations, it places an emphasis on professional households and small and medium-sized businesses. SeA Bank was established in 1994 in Hanoi, Vietnam.

Wave Mobile Money is a financial technology company focused on providing app-based solutions for saving, transferring, and borrowing money in Africa. With a mission to create the first cashless continent, Wave aims to address the challenge of limited access to banking services, as less than 10% of the African population has a bank account. The company is developing an inclusive financial network that offers no account fees and allows for instant transactions, making it accessible to a broader audience. By leveraging technology, Wave is creating affordable financial services that enable individuals to manage their money effectively, thereby fostering economic empowerment and contributing to poverty alleviation. Its platform supports various services, including deposits, withdrawals, bill payments, and money transfers, facilitating cashless transactions for users and businesses alike.

Crediclub is a financial solutions provider based in Monterrey, Mexico, established in 2005. The company focuses on serving micro-entrepreneurs and small to medium-sized businesses from underserved economic sectors who have limited access to traditional banking services. Its platform offers a range of financial products including personal loans, group loans, business loans, investment opportunities, and payment solutions. By leveraging artificial intelligence and blockchain technology, Crediclub enhances precision, fraud detection, efficiency, and personalization in its services. This approach not only helps clients finance their businesses but also supports them in growing their savings and building wealth.

Aadhar Housing Finance Limited is a prominent housing finance company in India, primarily focused on catering to the home financing needs of low-to-middle-income individuals. Established in 1990 and based in Mumbai, the company provides a variety of mortgage-related products, including home loans, home improvement and extension loans, loans for plot purchase or construction, as well as loans against residential and commercial properties. Aadhar Housing Finance also offers balance transfer and top-up loans, along with fixed deposit acceptance. As of March 31, 2019, the company operated through a network of 311 branches across 20 states and a union territory, serving a diverse clientele that includes individuals, corporations, and societies. Aadhar Housing Finance is a subsidiary of Wadhawan Global Capital Limited and was formerly known as DHFL Vysya Housing Finance Limited.

Vayana Network is a financing network that facilitates electronic trade transactions between businesses and their trade partners. It enables companies to efficiently manage their receivables and payables by connecting them with banks and financial institutions for financing options. Through its online lending platform, Vayana Network provides working capital finance specifically designed for small and medium enterprises, allowing them to access short-term business loans to support growth. The company also offers a Commercial Card solution in collaboration with MasterCard and various banks, enhancing payable financing options for its clients. By streamlining the trade financing process, Vayana Network aims to empower businesses in managing their financial operations more effectively.

AwanTunai is a fintech company based in Jakarta Timur, Indonesia, founded in 2017. It focuses on transforming the Indonesian banking sector by providing a mobile application that grants micro merchants access to loans for working capital, particularly targeting those who lack access to traditional banking products. The platform digitizes the fast-moving consumer goods (FMCG) supply chain by facilitating online ordering, customer management, payment acceptance, and inventory management. AwanTunai monetizes its services primarily through embedded financing for inventory purchases within its integrated ecosystem, which connects borrowers with lenders. As a regulated fintech institution, it manages the full lifecycle of bank-compliant loan assets and collaborates with global insurance companies to offer micro-insurance protection. This approach aims to enhance financial accessibility and improve the welfare of consumers in Indonesia.

Mintifi is an online lending platform in India focused on empowering small and medium businesses through accessible financing solutions. By leveraging technology and partnerships with companies like WhatsApp, Mintifi streamlines the loan process, allowing businesses to obtain funds quickly and efficiently. The platform specializes in supply chain financing, specifically targeting the last-mile distribution network. By providing flexible and affordable financing options, Mintifi enhances the purchasing experience for businesses, enabling them to manage their operations and supply chains more effectively.

SeA Bank is a banking institution that provides various services. The bank gives small businesses, large enterprises, and individuals access to a variety of banking products and services, including daily banking services, cards, including debit and credit cards, savings services, home loans, auto loans, and international transaction services. While preserving the expansion of large organizations, it places an emphasis on professional households and small and medium-sized businesses. SeA Bank was established in 1994 in Hanoi, Vietnam.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Wave Mobile Money is a financial technology company focused on providing app-based solutions for saving, transferring, and borrowing money in Africa. With a mission to create the first cashless continent, Wave aims to address the challenge of limited access to banking services, as less than 10% of the African population has a bank account. The company is developing an inclusive financial network that offers no account fees and allows for instant transactions, making it accessible to a broader audience. By leveraging technology, Wave is creating affordable financial services that enable individuals to manage their money effectively, thereby fostering economic empowerment and contributing to poverty alleviation. Its platform supports various services, including deposits, withdrawals, bill payments, and money transfers, facilitating cashless transactions for users and businesses alike.

Housing Development Finance Corporation Limited, established in 1977 and based in Mumbai, India, specializes in providing housing finance solutions to individuals and corporate clients. The company offers a wide range of loan products, including those for purchasing and constructing homes, as well as loans for home improvement, land acquisition, and commercial properties. It also caters to specific client needs by offering loans to agriculturists and non-resident Indians. In addition to its core lending services, the corporation provides various cross-selling products, including life and general insurance, investment advisory services, and asset management. With a network of 585 outlets and representative offices in key international cities, the firm aims to enhance resource flow to the housing sector by integrating housing finance with domestic financial markets.

Tanzania Mortgage Refinance Company is a private sector financial institution with the sole purpose of supporting. Their services includes client charter, featured services, refinancing circle, funding and pricing, mode of operation, laws, and regulations.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

Solfácil is a company that supports solar installers by providing an ecosystem of financial services, equipment sourcing, and technology solutions. Their platform offers professional tools designed to facilitate the closing of deals and investment in solar power systems. This enables customers to access credit lines for solar installations without requiring upfront investments, thereby promoting the adoption of solar energy.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Open Co thinks that creating trusting relationships with clients is more important than using cutting-edge technology to create ground-breaking credit solutions. Open Co was established in 2021 as the result of the merger of Geru and Rebel, two of Brazil's most cutting-edge fintech lenders. The company's goal is to permanently turn credit into a more equitable, adaptable, and accessible tool that improves Brazilians' financial situations.

Mintifi is an online lending platform in India focused on empowering small and medium businesses through accessible financing solutions. By leveraging technology and partnerships with companies like WhatsApp, Mintifi streamlines the loan process, allowing businesses to obtain funds quickly and efficiently. The platform specializes in supply chain financing, specifically targeting the last-mile distribution network. By providing flexible and affordable financing options, Mintifi enhances the purchasing experience for businesses, enabling them to manage their operations and supply chains more effectively.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

NSIA operates in insurance, banking and finance, and real estate businesses. It provides life insurance products; and non-life insurance products, including automotive, home and property, transport, and personal accident. The company also offers checking accounts, savings accounts, term deposits, savings certificates, and bank assurance products; commercial loans, personal loans, mortgages, and leasing; other services, such as transfers, foreign exchange, asset management, electronic banking, and money transfers; and financial engineering, trading, asset management, product portfolio management, and finance research services.

As the demand for financial services of the rural households becomes increasingly diversified and increasingly urgent, more comprehensive and diversified financial services and capacity building will play a more important role in the future development of rural finance. Rural credit finance is the public network platform of Zhonghe rural credit. It aims to provide small, simple and accessible micro financial services for rural low-income farmers and operating farmers through Internet technology. At present, the micro financial products and services provided by rural credit covers all aspects of credit, financial management, mutual aid and agricultural production and other aspects of public financing.

Raiffeisen Bank International AG, headquartered in Vienna, Austria, is a leading provider of banking services, operating through its subsidiaries across Central, Southeastern, and Eastern Europe. The company offers a comprehensive range of services, including corporate, retail, and investment banking. For corporate clients, it provides trade finance, working capital finance, real estate finance, and project finance, along with credit and preload cards, bank guarantees, and hedging services. Retail customers can access services such as cards, accounts, credits, deposits, insurance, and online services. The bank also offers asset management, structured products, and digital services like mobile banking and electronic banking. With over 2,000 business outlets, Raiffeisen Bank caters to both individual and commercial clients, striving to improve customer service through its long-term experience and innovative solutions.

Incomlend Pte. Ltd operates a lending platform that connects small and medium-sized enterprises (SMEs) with investors, facilitating the funding of export and domestic account receivables. Established in Singapore in 2016, the platform allows businesses to sell individual invoices at a discount to private investors, providing them with immediate cash flow. Incomlend also features a secure and tech-enabled invoice exchange where live trading of invoices occurs across multiple currencies and countries. The company has expanded its services to include the Incomlend Environment, Social and Governance (ESG) Invoice Financing Programme, aimed at linking socially responsible investors with sustainable SMEs. With additional offices in Europe, India, and Southeast Asia, Incomlend serves a diverse clientele, including importers, exporters, investors, and lenders.

Mahindra and Mahindra Financial Services Limited (MMFSL) commenced its journey in the rural non-banking finance industry. And with that was born a vision to transform rural and semi-urban India into a self-reliant, flourishing landscape. Since then, we have come a long way, empowering millions of ambitious individuals with personalised finance for a wide range of vehicles, home development requirements and many other diverse endeavours – all to help them live their dreams and Rise in life. At Mahindra Finance, we are guided by a firm belief in people, their dreams, and their potential to achieve those dreams. Hence, our socially inclusive business model facilitates loans to customers based not on their current financial status, but their future earning capacity. This philosophy has instilled a sense of confidence in the minds of rural and semi-urban India – a confidence that allows them to believe that no dream is too big. Today, as one of the leading non-banking finance companies, we are proud to have touched over 3 million lives. During the course of our journey, apart from emerging as the top tractor financer in India, we have constantly strived towards developing skill sets of the local population. Which is why, we provide employment to over 16,000 people in over 1000+ branches across India. This not only ensures equal growth opportunity for all, but also enables us to serve our customers better through local understanding and expertise. So be it a humble farmer or a budding entrepreneur – we are committed to empower every individual with resources to help their dreams see the light of day.

PNB Housing Finance Limited is a housing finance company based in New Delhi, India, established in 1988. The company specializes in providing a variety of loans, including housing loans for the purchase, construction, repair, and renovation of residential and commercial properties. It also offers loans against property, loans for the purchase of residential plots, and financing for commercial spaces. PNB Housing Finance caters to different customer segments, including non-resident Indians and individuals from economically weaker sections and lower to middle-income groups through various schemes. In addition to home loans, the company provides non-home loans, such as mortgage loans for residential and commercial properties, lease rental discounting loans, and financing for real estate developers. PNB Housing Finance generates revenue primarily through interest income and fees from its diverse lending services.

LulaLend is more than a company. It’s a belief in the power of small business, making a difference, building a better solution and striving for excellence. We work hard to empower businesses across South Africa with the funds they need to grow, and we have a great time doing it!

Afluenta S.A., founded in 2008 and headquartered in Buenos Aires, Argentina, operates a peer-to-peer lending platform that connects borrowers and investors across Latin America. As the first marketplace lending company in the region, Afluenta facilitates loans for consumers and small to medium-sized enterprises, enabling borrowers to access more favorable rates than those offered by traditional financial institutions. Investors benefit from competitive yields on their funds, with net yields exceeding 20% in recent years. The company has expanded its operations to Argentina, Mexico, and Peru, with plans for further growth in Colombia and Brazil. Afluenta's automated platform streamlines the lending process, encompassing credit assessment, risk scoring, loan servicing, and a secondary market for trading loans, thereby enhancing liquidity for investors.

Orient Commercial Joint Stock Bank is a commercial bank based in Vietnam, operating more than 85 branches across 18 provinces. With a workforce of over 1,700 dedicated employees, the bank has demonstrated its ability to thrive in a competitive financial market over the past 15 years. Orient Commercial offers a variety of services, including deposit facilities, loans, insurance products, money transfer services, and corporate banking solutions, catering to the diverse needs of its growing customer base.

Mintifi is an online lending platform in India focused on empowering small and medium businesses through accessible financing solutions. By leveraging technology and partnerships with companies like WhatsApp, Mintifi streamlines the loan process, allowing businesses to obtain funds quickly and efficiently. The platform specializes in supply chain financing, specifically targeting the last-mile distribution network. By providing flexible and affordable financing options, Mintifi enhances the purchasing experience for businesses, enabling them to manage their operations and supply chains more effectively.

Mahindra and Mahindra Financial Services Limited (MMFSL) commenced its journey in the rural non-banking finance industry. And with that was born a vision to transform rural and semi-urban India into a self-reliant, flourishing landscape. Since then, we have come a long way, empowering millions of ambitious individuals with personalised finance for a wide range of vehicles, home development requirements and many other diverse endeavours – all to help them live their dreams and Rise in life. At Mahindra Finance, we are guided by a firm belief in people, their dreams, and their potential to achieve those dreams. Hence, our socially inclusive business model facilitates loans to customers based not on their current financial status, but their future earning capacity. This philosophy has instilled a sense of confidence in the minds of rural and semi-urban India – a confidence that allows them to believe that no dream is too big. Today, as one of the leading non-banking finance companies, we are proud to have touched over 3 million lives. During the course of our journey, apart from emerging as the top tractor financer in India, we have constantly strived towards developing skill sets of the local population. Which is why, we provide employment to over 16,000 people in over 1000+ branches across India. This not only ensures equal growth opportunity for all, but also enables us to serve our customers better through local understanding and expertise. So be it a humble farmer or a budding entrepreneur – we are committed to empower every individual with resources to help their dreams see the light of day.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

HDB Financial Services, established in 2007 and headquartered in Mumbai, India, is a non-banking financial company that offers a range of financial products including personal loans, business loans, loans against property, and various consumer loans. As a subsidiary of HDFC Bank, the company also provides back-office services such as form processing, document verification, finance and accounting, and correspondence management. Additionally, HDB Financial Services manages front-office operations that encompass contact center management, outbound marketing, and collection services, catering to diverse financial needs in the market.

Branch International Inc. is a digital lending company founded in 2015 and headquartered in San Francisco, California, with additional offices in Mumbai, Nairobi, Mexico City, and Lagos. The company leverages smartphone data to assess creditworthiness, allowing consumers in emerging markets to access personal loans through its Android application. By utilizing data science, Branch aims to reduce the cost of financial services and provide fair access to banking options, particularly for the growing middle class. The platform offers a quick approval process for loans, enabling users to build credit irrespective of their banking history and navigate the barriers posed by traditional financial institutions. Branch is committed to driving meaningful growth in rapidly evolving markets and has raised over $100 million in funding from notable investors in Silicon Valley.

Demica Limited is a fintech company based in London, United Kingdom, specializing in working capital solutions for multinational corporations and banks. Established in 1990, the firm offers a software as a service (SaaS) platform that facilitates various financial programs, including trade receivables securitization, receivable portfolio purchases, factoring, invoice discounting, supply chain finance, and dynamic discounting services. Demica serves a diverse clientele across Europe, North America, and Asia, focusing on large corporates requiring financing facilities ranging from $50 million to over $750 million. The company also provides advisory services to help clients optimize their supply chain finance needs, collaborating with financial advisors, technology integrators, law firms, and banks to deliver tailored solutions. In addition to its London headquarters, Demica has an office in New York, enhancing its global reach.

Koin is a pioneer in the Buy Now, Pay Later (BNPL) sector in Latin America, providing a streamlined and secure payment solution without bureaucratic hurdles. The company is expanding its offerings to include financial solutions for both business-to-business (B2B) and business-to-consumer (B2C) markets, with recent operations extending into Mexico. In addition to BNPL, Koin facilitates payments through Pix and has implemented a robust anti-fraud solution. Its mission is to enhance the shopping experience and democratize access to consumption for individuals while delivering value-added services to corporate clients. Koin was acquired in 2020 by Despegar, which is recognized as the largest travel company in the region.

PT Radana Bhaskara Finance Tbk is a financial services company based in Jakarta, Indonesia, specializing in consumer financing. The firm primarily focuses on providing financing for both new and used motor vehicles, including motorcycles and four-wheeled vehicles, as well as multipurpose financing solutions. Established in 1972 and formerly known as PT HD Finance Tbk, the company rebranded in June 2014. It operates numerous branch offices across Java and Sumatra, facilitating access to financing services in various regions. Radana Bhaskara Finance aims to support customers in acquiring vehicles through flexible financing options.

BBS is a financial institution whose principal business is residential and commercial property finance. BBS mission is to provide affordable property finance and attractive investment returns through efficient utilization of resources in the spirit of teamwork for the benefit of our stakeholders. Our vision is to be the premier provider of property finance and attractive investment returns in Botswana.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

WeLab Holdings Limited operates online and mobile lending platforms in Hong Kong and China. Founded in 2013, the company offers personal loan, balance transfer, and handset installment plan products through its platforms Wolaidai (China) and WeLend (Hong Kong). It leverages proprietary risk management technology to analyze unstructured mobile big data swiftly, enabling innovative consumer financing solutions. Additionally, WeLab partners with traditional financial institutions to provide B2B enterprise solutions, enhancing their services with fintech capabilities.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

WeLab Holdings Limited operates online and mobile lending platforms in Hong Kong and China. Founded in 2013, the company offers personal loan, balance transfer, and handset installment plan products through its platforms Wolaidai (China) and WeLend (Hong Kong). It leverages proprietary risk management technology to analyze unstructured mobile big data swiftly, enabling innovative consumer financing solutions. Additionally, WeLab partners with traditional financial institutions to provide B2B enterprise solutions, enhancing their services with fintech capabilities.

Afluenta S.A., founded in 2008 and headquartered in Buenos Aires, Argentina, operates a peer-to-peer lending platform that connects borrowers and investors across Latin America. As the first marketplace lending company in the region, Afluenta facilitates loans for consumers and small to medium-sized enterprises, enabling borrowers to access more favorable rates than those offered by traditional financial institutions. Investors benefit from competitive yields on their funds, with net yields exceeding 20% in recent years. The company has expanded its operations to Argentina, Mexico, and Peru, with plans for further growth in Colombia and Brazil. Afluenta's automated platform streamlines the lending process, encompassing credit assessment, risk scoring, loan servicing, and a secondary market for trading loans, thereby enhancing liquidity for investors.

Hyphen Group operates CompareAsiaGroup, a prominent personal finance management platform in Asia. Established in 2013 and headquartered in Hong Kong, CompareAsiaGroup provides users with free and independent online tools to compare a wide range of financial products, including banking, insurance, credit cards, and personal loans. The platform partners with leading financial institutions across the region, enabling users to evaluate over 2,500 products. With a workforce of over 250 employees, CompareAsiaGroup has a significant presence in multiple countries, including Hong Kong, Malaysia, the Philippines, Singapore, Taiwan, and Thailand. The Group's mission is to empower individuals to save money and make informed financial decisions through its comprehensive comparison services.

Moni is a microloans platform based in Buenos Aires, Argentina, founded in September 2013 by Alejandro Estrada and Juan Pablo Bruzzo. The platform allows users to apply for cash advances online, facilitating immediate financial assistance without the need for extensive paperwork or formalities. In addition to providing loans, Moni also enables customers to pay for telecom and utility bills through its mobile application, thereby streamlining access to essential financial services.

Zoona is a mobile technology company focused on providing financial services to underserved communities across Africa. Founded in 2009, it has established a robust distribution network that facilitates money transfers, electronic voucher payments, savings, credit, and bill payments primarily for unbanked customers. With operations in Zambia, Malawi, and Mozambique, Zoona leverages cutting-edge technology and a network of agents to ensure safe and reliable access to financial services. The company has processed over $2 billion in transactions and has received recognition from organizations such as The Nike Foundation and The Unreasonable Group for its impactful contributions to empowering young entrepreneurs and helping to alleviate poverty, particularly among girls.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

Monedo, a fintech company, leverages machine learning and alternative data sources to provide credit and digital banking services to the underbanked. Its offerings include consumer loans, a digital wallet, and a personal finance manager to help customers manage their credit score and spending. Additionally, Monedo's "Lending as a Service" model allows partners to integrate its credit products into their own platforms.

Remitly Global, Inc. is a digital remittance company that specializes in facilitating international money transfers through its extensive network across Africa, Asia, Central Europe, and South America. Founded in 2011 and headquartered in Seattle, Washington, with additional offices in London, Manila, and Nicaragua, Remitly offers a mobile payment service that allows consumers in the United States, Canada, and the United Kingdom to send money easily to friends and family. The company utilizes advanced technology to streamline the money transfer process, eliminating unnecessary steps and fees associated with traditional methods. As a licensed money transmitter, Remitly operates in 49 states and Washington, D.C., providing a cost-effective and reliable service for its customers. Revenue is generated through transaction fees and foreign exchange spreads, positioning Remitly as a key player in the evolving financial services landscape for immigrants.

Remitly Global, Inc. is a digital remittance company that specializes in facilitating international money transfers through its extensive network across Africa, Asia, Central Europe, and South America. Founded in 2011 and headquartered in Seattle, Washington, with additional offices in London, Manila, and Nicaragua, Remitly offers a mobile payment service that allows consumers in the United States, Canada, and the United Kingdom to send money easily to friends and family. The company utilizes advanced technology to streamline the money transfer process, eliminating unnecessary steps and fees associated with traditional methods. As a licensed money transmitter, Remitly operates in 49 states and Washington, D.C., providing a cost-effective and reliable service for its customers. Revenue is generated through transaction fees and foreign exchange spreads, positioning Remitly as a key player in the evolving financial services landscape for immigrants.

Utkarsh Micro Finance Private Limited is registered with Reserve Bank of India as Non Banking Finance Company (NBFC). Its registered office and corporate office is in Varanasi (Uttar Pradesh). It is started to provide financial and non financial services in its area of operations to the unbanked population who have the skill but are in need of capital. Initially it has started with credit and insurance, but eventually it will also undertake other activities to bring transformation in the lives of underprivileged.

Zoona is a mobile technology company focused on providing financial services to underserved communities across Africa. Founded in 2009, it has established a robust distribution network that facilitates money transfers, electronic voucher payments, savings, credit, and bill payments primarily for unbanked customers. With operations in Zambia, Malawi, and Mozambique, Zoona leverages cutting-edge technology and a network of agents to ensure safe and reliable access to financial services. The company has processed over $2 billion in transactions and has received recognition from organizations such as The Nike Foundation and The Unreasonable Group for its impactful contributions to empowering young entrepreneurs and helping to alleviate poverty, particularly among girls.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Monedo, a fintech company, leverages machine learning and alternative data sources to provide credit and digital banking services to the underbanked. Its offerings include consumer loans, a digital wallet, and a personal finance manager to help customers manage their credit score and spending. Additionally, Monedo's "Lending as a Service" model allows partners to integrate its credit products into their own platforms.

Afluenta S.A., founded in 2008 and headquartered in Buenos Aires, Argentina, operates a peer-to-peer lending platform that connects borrowers and investors across Latin America. As the first marketplace lending company in the region, Afluenta facilitates loans for consumers and small to medium-sized enterprises, enabling borrowers to access more favorable rates than those offered by traditional financial institutions. Investors benefit from competitive yields on their funds, with net yields exceeding 20% in recent years. The company has expanded its operations to Argentina, Mexico, and Peru, with plans for further growth in Colombia and Brazil. Afluenta's automated platform streamlines the lending process, encompassing credit assessment, risk scoring, loan servicing, and a secondary market for trading loans, thereby enhancing liquidity for investors.

Utkarsh Small Finance Bank Limited is a banking institution in India that offers a variety of financial products and services tailored to meet the needs of retail, institutional, and corporate clients. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. Its product offerings encompass savings and current accounts, fixed and recurring deposits, and various loan options such as housing, personal, business, agricultural, and MSME loans. Additionally, the bank provides microbanking services, overdrafts against fixed deposits, and wholesale lending. Utkarsh Small Finance Bank also facilitates remittance services, including NEFT and RTGS, and offers digital banking solutions through ATMs, internet, and mobile banking. The bank is further engaged in treasury operations and the distribution of third-party financial products like insurance and mutual funds. As of March 31, 2020, Utkarsh Small Finance Bank operated a network of 507 branches and 177 ATMs across 15 states and 2 union territories in India. Headquartered in Varanasi, it was incorporated in 2016 and is a subsidiary of Utkarsh CoreInvest Limited.

Suryoday Small Finance Bank Limited is a small finance bank based in Navi Mumbai, India, dedicated to serving the unbanked and underbanked populations with a focus on financial inclusion. Founded in 2008 and previously known as Suryoday Micro Finance Limited, the bank operates through various segments, including Treasury, Retail Banking, and Wholesale Banking. It offers a wide range of financial products, including savings and current accounts, term deposits, home loans, and loans tailored for micro, small, and medium enterprises. Additionally, Suryoday provides insurance products, pension schemes, and a suite of digital banking services, such as mobile and internet banking. The bank aims to empower economically weaker sections by facilitating access to credit and financial services, thus improving their quality of life. As of July 2020, Suryoday operated 482 banking outlets across 12 states and union territories in India.

RBL Bank Limited is a private-sector scheduled commercial bank based in Mumbai, India, established in 1943. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. It offers a diverse range of deposit products such as savings and current accounts, as well as fixed deposits. RBL Bank provides various lending options, including personal, home, car, education, and business loans, along with financial services like insurance, wealth management, and online banking. The bank also engages in advisory services for mergers and acquisitions, project finance, and trade services. With a focus on expansion, RBL Bank has developed a network of branches and ATMs across India, servicing over 500,000 customers and maintaining a robust business size. Following a transformational journey initiated in 2010, the bank has strengthened its governance and technology infrastructure to support its growth strategy.

AB Microfinance Bank Nigeria Limited, established in 2008 and headquartered in Lagos, is a foreign-owned financial institution. It specializes in providing financial services tailored to micro, small, and medium-sized enterprises, as well as low-income individuals. The bank offers a range of deposit accounts, including savings, current, and term deposits, alongside micro and small to medium enterprise loans. As a subsidiary of Access Microfinance Holding AG, it aims to foster business growth and improve financial well-being among its clients.

Utkarsh Micro Finance Private Limited is registered with Reserve Bank of India as Non Banking Finance Company (NBFC). Its registered office and corporate office is in Varanasi (Uttar Pradesh). It is started to provide financial and non financial services in its area of operations to the unbanked population who have the skill but are in need of capital. Initially it has started with credit and insurance, but eventually it will also undertake other activities to bring transformation in the lives of underprivileged.

RBL Bank Limited is a private-sector scheduled commercial bank based in Mumbai, India, established in 1943. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. It offers a diverse range of deposit products such as savings and current accounts, as well as fixed deposits. RBL Bank provides various lending options, including personal, home, car, education, and business loans, along with financial services like insurance, wealth management, and online banking. The bank also engages in advisory services for mergers and acquisitions, project finance, and trade services. With a focus on expansion, RBL Bank has developed a network of branches and ATMs across India, servicing over 500,000 customers and maintaining a robust business size. Following a transformational journey initiated in 2010, the bank has strengthened its governance and technology infrastructure to support its growth strategy.

Utkarsh Micro Finance Private Limited is registered with Reserve Bank of India as Non Banking Finance Company (NBFC). Its registered office and corporate office is in Varanasi (Uttar Pradesh). It is started to provide financial and non financial services in its area of operations to the unbanked population who have the skill but are in need of capital. Initially it has started with credit and insurance, but eventually it will also undertake other activities to bring transformation in the lives of underprivileged.

Equitas Holdings operates as a non-banking financial institution in India, focusing on providing a variety of financial services through its subsidiaries. Founded in 2007 and based in Chennai, the company offers products such as microfinance loans, vehicle finance, housing finance, and loans for micro and small enterprises. It also provides agri loans, gold loans, and business loans, primarily targeting individuals and low-income customers who may not have access to traditional banking services. In addition to its lending activities, Equitas Holdings engages in online freight facilitation through its Wowtruck brand. The company, which was formerly known as Equitas Micro Finance India Private Limited, changed its name in 2012 to reflect its broader scope of operations.

India Mortgage Guarantee Company is a financial services firm based in Noida, India, specializing in mortgage guarantee services. The company provides essential support to lenders by offering guarantees that facilitate homeownership, making it more accessible for individuals. By leveraging these services, the firm aims to promote and enhance the home buying process, particularly in markets where such guarantees are commonly utilized. Through its innovative approach, India Mortgage Guarantee Company plays a significant role in the advancement of homeownership opportunities in the region.

Magma Fincorp Limited, established in 1988 and previously known as Magma Leasing Limited, is a prominent financial services company in India. The company began its operations in 1989 and has since grown to become one of the largest players in the industry. Through a merger with Arm Group Enterprises in 1992, Magma further solidified its position in the market. With a focus on providing a range of financial services, Magma Fincorp has established a strong presence and reputation in the Indian financial sector over the past five years.