A MODEL THAT WORKS

Starting with a guarantee of $1 million from each Guarantor, MicroCredit Enterprises borrows $500,000. The pool of guaranteed funds are then distributed across a diversified set of countries across four continents.

MicroCredit Enterprises finds creditworthy, locally-run and locally-controlled microfinance programs around the world. When we are confident the local program is well-run and serving its community’s people, MicroCredit Enterprises provides an affordable, interest-bearing loan so the program can expand.

An overseas microfinance institution (MFI) is like a neighborhood bank with the same challenges and capital requirements confronting any expanding venture, but with the added responsibility of serving economically marginalized populations. Many of these MFIs are creditworthy and operationally self-sufficient with proven records of success.

MicroCredit Enterprises gives special consideration to microfinance programs that:

1. Are increasing the number of poor women served,
2. Operate comprehensive social service programs, such as women’s empowerment, health education or business training, and
3. Are committed to lower interest rates for microloan borrowers.

At its best, microfinance recognizes and supports the whole woman by combining microfinance with health and human services, education, women’s empowerment, financial literacy training and more. Leveraging the grit and resolve of a mother’s desire to feed her children, microfinance should be more than just financial services.