FINCA INTERNATIONAL INC
1201 15TH STREET NW 8TH FLOOR, WASHINGTON, DC 20005 www.finca.org

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Organizations Filed Purposes: PROMOTE THE ECONOMIC AND SOCIAL WELL BEING OF LOW-INCOME INDIVIDUALS, FAMILIES AND GROUPS THROUGHOUT THE WORLD PROVIDING FINANCIAL ASSISTANCE, LOANS, SAVINGS ACCUMULATION, AND OTHER OPPORTUNITIES AND ASSISTANCE.

ALLEVIATE POVERTY BY HELPING PEOPLE BUILD ASSETS, CREATE JOBS AND RAISE THEIR STANDARD OF LIVING.

FINCA IMPACT FINANCE:NEARLY 1.7 BILLION ADULTS AROUND THE WORLD REMAIN FINANCIALLY EXCLUDED WITHOUT ACCESS TO USEFUL AND AFFORDABLE FINANCIAL PRODUCTS AND SERVICES DELIVERED IN A RESPONSIBLE AND SUSTAINABLE WAY. THE PREDOMINANT GROUP AMONG THE FINANCIALLY EXCLUDED IS COMPRISED BY UNEMPLOYED OR LOW-INCOME INDIVIDUALS GIVEN THE HIGH COSTS ASSOCIATED WITH TRADITIONAL BANKING. FOR FINCA INTERNATIONAL, THE ADVANCEMENT OF FINANCIAL INCLUSION IS OF PIVOTAL IMPORTANCE CONSIDERING THAT ACCESS TO BASIC FINANCIAL SERVICES CAN BRIDGE THE ECONOMIC GAP BETWEEN THE HAVES AND HAVE-NOTS. FURTHERMORE, IT CAN FOSTER ECONOMIC SUSTAINABILITY AND SELF-RELIANCE AMONG THE UNDERPRIVILEGED POPULATION. FINCA INTERNATIONAL FIRMLY BELIEVES IN ECONOMIC OPPORTUNITY AND JUSTICE FOR ALL AND THEREFORE IS COMMITTED TO PURSUE THE ADVANCEMENT OF FINANCIAL INCLUSION. FINCA INTERNATIONAL IS THE FOUNDER AND MAJORITY OWNER OF FINCA IMPACT FINANCE (FIF), A NETWORK OF 20 COMMUNITY-BASED MICRO-FINANCE INSTITUTIONS AND BANKS THAT AMPLIFIES FINANCIAL INCLUSION THROUGH INNOVATIVE, RESPONSIBLE AND IMPACTFUL FINANCIAL SERVICES TO UNDERPRIVILEGED CLIENTS. SERVICES PROVIDED BY FIF INCLUDE: VILLAGE BANKING AND SMALL GROUP LOANS TARGETED TO LOW-INCOME MICRO-ENTREPRENEURS; INDIVIDUAL LOANS TO SUPPORT THE GROWTH OF SMALL BUSINESSES GROWTH AND JOB CREATION; LOANS WITH EXCLUSIVE REPAYMENT CONDITIONS FOR CLIENTS IN AGROBUSINESSES WHO ARE IN NEED OF PURCHASING SEEDS, FERTILIZER, LIVESTOCK AND EQUIPMENT; SAVINGS ACCOUNTS TO PROMOTE RELIEF AGAINST DIFFICULT TIMES; CREDIT, DISABILITY AND FUNERAL INSURANCE TO LESSEN FINANCIAL STRESS ASSOCIATED WITH MAJOR OR UNEXPECTED EXPENSES; MONEY TRANSFERS CARRIED OUT IN A SAFE AND AFFORDABLE WAY; AND, ENERGY LOANS TO PURCHASE OR LEASE CLEAN ELECTRICITY SYSTEMS OR PRODUCTS. FOR 2019, FIF REPORTED A TOTAL OF $1.0 BILLION IN LOANS DISBURSED, OVER 2,341,067 INDIVIDUALS SAVING ON A REGULAR BASIS ADDING UP TO $423 MILLION IN VOLUNTARY DEPOSITS, AND 42.3% OF CLIENTS WHO WERE WOMEN. FOR THAT SAME YEAR, FIF'S AFFILIATES AROUND THE WORLD REPORTED THE FOLLOWING NUMBERS OF CLIENTS OR BENEFICIARIES OF FINANCIAL PRODUCTS AND SERVICES: DRC: 357,540MALAWI: 53,243NIGERIA: 31,105TANZANIA: 354,154UGANDA: 116,877ZAMBIA: 19,576ARMENIA: 38,535AZERBAIJAN: 14,312GEORGIA: 65,841KOSOVO: 22,491KYRGYZSTAN: 147,263TAJIKISTAN: 29,800ECUADOR: 44,250GUATEMALA: 41,380HAITI: 51,566HONDURAS: 67,850NICARAGUA: 8,179AFGHANISTAN: 28,776JORDAN: 38,957PAKISTAN: 1,128,248

FINCA PLUS:FOR OVER 30 YEARS, FINCA HAS DEMONSTRATED THAT ACCESS TO RESPONSIBLE FINANCE IS AN IMPORTANT TOOL FOR STRENGTHENING THE ECONOMIC SECURITY OF POOR AND LOW-INCOME FAMILIES. AT THE SAME TIME, FINCA HAS REALIZED THAT IT IS ESSENTIAL THAT ACCESS TO FINANCE CAN BE USED ON NON-FINANCIAL GOODS, SUCH AS CLEAN ENERGY PRODUCTS, WHICH ARE CRITICAL FOR IMPROVING A FAMILIES HEALTH AND WELL-BEING AND INCREASING PRODUCTIVITY. FINCA PLUS LLC (D.B.A. IN UGANDA AS BRIGHTLIFE) IS A SOCIAL ENTERPRISE CREATED BY FINCA WHICH PAIRS ACCESS TO FINANCE WITH ACCESS TO ENERGY TO UNLOCK PRODUCTIVITY AND WELL-BEING FOR THE POOR. BRIGHTLIFE PROVIDES LIFE-ENHANCING PRODUCTS SUCH AS SOLAR HOME SYSTEMS AND IMPROVED COOKSTOVES TO THE BOP MARKET AT AFFORDABLE RATES. AS IMPORTANTLY, AND ALIGNED WITH FINCA'S MORE TRADITIONAL MICRO-LENDING ACTIVITIES, BRIGHTLIFE FINANCES THESE AFFORDABLE PRODUCTS UTILIZING PAYGO TECHNOLOGY SO THAT INDIVIDUALS CAN ACCESS THESE LIFE-ENHANCING PRODUCTS THAT THEY MIGHT NOT OTHERWISE BE ABLE TO AFFORD.IN 2019, BRIGHTLIFE EMPLOYED 45 FULL-TIME EMPLOYEES IN UGANDA AND HAD A COMMISSION BASED SALES DISTRIBUTION NETWORK OF APPROXIMATELY 300 AGENTS. BRIGHTLIFE SOLD 8,904 PRODUCTS OVER THE YEAR WHICH IMPROVED THE LIVES OF APPROXIMATELY 50,000 UGANDANS (AVERAGE FAMILY SIZE OF 6).

FINCA VENTURES:FINCA VENTURES PORTFOLIO COMPANIES DIRECTLY CONTRIBUTE TO 12 OF THE 17 SDGS. COMPLEMENTING OUR EFFORT TO ALIGN IMPACT GOALS TO THE SDGS, FINCA VENTURES ASSESSES PORTFOLIO COMPANIES ACROSS THREE DIMENSIONS OF IMPACT WHICH ARE SCALE, DEPTH AND THE TARGET POVERTY LEVEL OF END-CUSTOMERS. SCALE AND DEPTH OF IMPACT HAVE INHERENT TRADEOFFS. KEEPING THESE TRADEOFFS IN MIND, FINCA VENTURES SUPPORTS PORTFOLIO COMPANIES ACROSS THIS SPECTRUM AS IT SEEKS TO MAXIMIZE PRODUCT AND SERVICE TO INCREASE SOCIAL IMPACT. FINCA VENTURES SUPPORTED EIGHT PORTFOLIO COMPANIES THAT DELIVERED LIFE-ENHANCING PRODUCTS AND SERVICES IN 31 COUNTRIES GLOBALLY IN 2019.AMPED INNOVATION: 27,910 FAMILIES BENEFITING FROM 2,547 MWH OF CLEAN ENERGYIGNITIA: 1,362,351 INDIVIDUALS RECEIVING 23,523,910 WEATHER FORECASTSMDAAS GLOBAL: 8,195 PATIENTS (64 PERCENT OF WHOM ARE FEMALE) GAINING AFFORDABLE DIAGNOSTIC SERVICESENEZA EDUCATION: 636,906 ACTIVE LEARNERS ON THE PLATFORM (ON AVERAGE) ACCESSING DIGITAL EDUCATION RESOURCES AND COMPLETING 4,932,581 LESSONS SANIVATION: 907 METRIC TONS OF FECAL SLUDGE CONVERTED TO FUEL SUBSTITUTES, SAVING 27,387 TREESEAST AFRICA FRUITS: 1,735 SMALLHOLDER FARMERS CONNECTED TO 680 SMALL, INFORMAL VENDORS, ALLOWING FOR BOTH GROUPS TO IMPROVE THEIR INCOMESGOOD NATURE AGRO: 5,582 SMALLHOLDER FARMERS GETTING $966,415 IN PAYOUTS FOR THEIR HARVESTS

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