Results - 73 of 73 items found

Aug 1, 2012

FINO PayTech

FINO PayTech Ltd. builds and implements technologies that enable financial institutions to serve under-banked populations through mobile point-of-transaction terminals and smart cards. FINO PayTech deploys field agents to enroll consumers in rural and semi-urban regions of India and conduct low-cost transactions. To date, FINO has enrolled over 20 million individuals in 21 states in India and provides them with access to a suite of financial services including remittances, deposits, credit, subsidies and insurance.

Aug 1, 2012


Ecom Agroindustrial Corporation Ltd. (ECOM), one of the world‘s leading commodity traders, works with coffee growers – the majority of whom are smallholders at the base of the pyramid. ECOM’s direct financing, coupled with partnerships with technical assistance providers, has enabled these farmers to improve productivity, increase quality and gain the certification necessary for premium pricing. Between 2006 and 2012, ECOM purchased more than 81,000 metric tons of certified coffee, providing an additional $14.7 million in income for farmers.

Aug 1, 2012


DineroMail is an e-commerce payments processor that facilitates electronic payments between businesses and customers. The company operates in Argentina, Brazil, Chile, Mexico, and Colombia. DineroMail developed a way for unbanked customers to participate in e-commerce, enabling them to purchase goods not available locally—or available only at significant mark-ups.

Aug 1, 2012

Sociedad de Acueducto, Alcantarillado y Aseo de Barranquilla (AAA)

AAA was the first company established under an innovative policy framework for the water and sanitation sector in Colombia. Called the “mixed capital model,” this framework encourages public-private cooperation to expand coverage in poorer municipalities not effectively served by traditional public utilities. AAA began providing water, sanitation, and solid waste management services to the city of Barranquilla, in northern Colombia, in 1993 with an exclusive 20-year concession that was later extended for another 20 years. The company has since expanded into 12 other municipalities.

Aug 1, 2012


Tribanco is the financial intermediary for Grupo Martins, the largest wholesaler and distributor in Latin America, which services mostly family-owned micro, small and medium sized enterprises in Brazil. Tribanco provides more than 37,000 of Grupo Martins’ retailers with training and access to financing for inventory or store renovations, enabling them to remain competitive and improve profitability. It also facilitates short-term access to credit to low-income customers through credit cards offered via 9000 Grupo Martins’ retailers. More than 2.5 million credit cards are being used by low-income customers to buy food and basic necessities.

Aug 1, 2012

Duoc UC

Duoc UC is a non-profit, private institution of higher education with 13 campuses in Chile. Over 71,000 students enrolled in Duoc UC programs in 2012. 74% of students are the first in their families to receive higher education. Duoc UC focuses on affordability, with program costs significantly less than comparable university programs, and employability, with 80 courses relevant to labor markets. As a result, 81% of Duoc’s surveyed alumni are employed, most in the fields they studied.

Aug 1, 2012

Ideal Invest S.A.

Ideal Invest is the largest private student loan provider in Brazil with a portfolio of $65 million, having served over 24,000 students at 265 institutions in 24 states. More than 60% of students receiving loans are women, 62% of students come from families with less than $1,500 per month in household income, and 66% are the first in their families to go to college.

Aug 1, 2012

Grupo FinTerra, S.A. de C.V., SOFOM, ENR (FinTerra)

FinTerra is a specialized, non-deposit taking financial institution, which specializes in lending to small, medium, and large farmers and agribusinesses in Mexico. FinTerra is one of several agribusiness nonbank financial institutions nationwide. Since its founding in 2004, the company has become the largest of the independent agribusiness non-bank financial institutions in terms of loan portfolio size and shareholders’ equity.

Aug 1, 2012

Idea Cellular Limited (Idea)

Idea is the fastest growing telecom service provider in India. The company’s origins extend back to 1995, and it started its commercial operations in 1997 in Maharashtra and Gujarat states. Idea expanded into other service areas through a combination of organic growth and acquisitions.

Aug 1, 2012


Vinte is a homebuilder specializing in affordable, sustainable housing for low- and middle-income families in Mexico. Vinte’s cutting-edge technologies are helping it to introduce innovations that save homebuyers on ongoing home maintenance costs, such as designing homes to reduce gas bills by 75%, monitoring consumption of utilities through wall meters, and installing rooftop solar cells for energy production. As of June 2012, VINTE had sold more than 11,000 affordable homes.

Aug 1, 2012

Trustco Finance

Trustco Finance (Pty) Ltd. provides education loans to students enrolled at the Institute for Open Learning (IOL)—the largest private distance-learning tertiary education institution in Namibia. Trustco Finance is located in Namibia’s capital, Windhoek, and has five branch offices and 50 staff. From 2005 to 2011, Trustco Finance registered over 55,000 loans. As of 2011, the company’s gross education loans amounted to $33 million. Typical loan amounts range from $125-$2,500, with repayment terms ranging from 12 to 60 months and averaging 29 months.

Jul 1, 2012

Policy Note on the Business Environment for Inclusive Business Models

This policy note analyzes survey answers from the G20 Challenge applicants on the regulatory obstacles they face in their businesses. It summarizes how public policy can support business models that include people at the base of the pyramid as producers or suppliers (focusing on agriculture) and as customers (focusing on affordable housing, health, education and basic financial services).

Jul 1, 2012

G20 Challenge on Inclusive Business Innovation

The G20 Challenge on Inclusive Business Innovation report provides an overview and highlights of the Challenge and provides profiles of each of the winners. 

Sep 22, 2011

Accelerating Inclusive Business Opportunities: Business Models that Make a Difference

IFC's newest inclusive business report, "Accelerating Inclusive Business Opportunities," identifies seven inclusive business models that expand access to goods, services, and livelihood opportunities for the world’s poorest people while generating strong financial returns. These models are helping companies turn underserved populations into dynamic consumer markets and diverse new sources of supply. 

Sep 22, 2011

Inclusive Business Models: Guide to the Inclusive Business Models in IFC's Portfolio

This new report includes a set of 31 case studies on IFC’s portfolio companies with inclusive business models. Together these companies are profitably providing goods, services, and livelihood opportunities to more than 100 million people at the base of the economic pyramid. 

Sep 1, 2011


Moderna Alimentos S.A. (Moderna) is Ecuador’s leading miller and marketer of wheat flour. Moderna currently supports over 4,200 small bakeries with critical ingredients, convenient ordering and delivery methods, technical assistance, and credit. Over 10,000 individuals at more than 5,000 small bakeries have received business and bakery training.

Oct 20, 2010

Inclusive Business Solutions: Expanding Opportunity and Access at the Base of the Pyramid

This report highlights the successful approaches IFC clients have taken to overcome the challenges faced while starting and scaling their inclusive business models.

Apr 10, 2010

Scaling up Inclusive Business: Advancing the Knowledge and Action Agenda

This report is intended to frame key issue areas that need to be addressed to move the field of inclusive business forward – toward greater scale and effectiveness – building on the considerable momentum that already exists.

Apr 1, 2010


Anhanguera Educacional Participações S.A. (AESA) is Brazil’s leading private, for-profit professional education company. AESA is currently the largest post-secondary education institution in Brazil, with approximately 255,000 students distributed across 54 campuses and 450 distance learning centers, and an additional 500,000 students per year enrolled in its vocational and training programs. Through its network of campuses, distance learning and vocational raining centers, AESA is present in every Brazilian state.

Jul 20, 2009

Developing Inclusive Business Models: A Review of Coca-Cola’s Manual Distribution Centers in Ethiopia and Tanzania

This report provides a review of how a large corporation, Coca-Cola, can proactively engage in inclusive business approaches with the aim of achieving core business benefits - such as greater competitiveness, increased market share and improved risk management - while also contributing to the achievement of international development goals. 

Mar 30, 2009

Business Linkages: Enabling Access to Markets at the Base of the Pyramid

This report summarizes the findings of the fourth Business Linkages Series event which focused on the challenges and solutions of business linkages that enable access to markets at the base of the pyramid. 

Jun 30, 2008

Supporting Entrepreneurship at the Base of the Pyramid through Business Linkages

This report summarizes the findings of the third Business Linkages Series event, which focused on supply, distribution, and sales models that foster entrepreneurship and enterprise development among those currently living in conditions of poverty.

Sep 20, 2007

Business Linkages: Lessons, Opportunities and Challenges

This publication is an example of IFC's ongoing commitment to sharing knowledge and good practices, and to partnering with key global players to address challenges and identify opportunities for linkages in developing countries.