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What does Alterfin do?
Alterfin, a Belgian social investor since 1994, aims to improve the livelihoods and living conditions of socially and economically disadvantaged people and communities, predominantly in rural areas in low- and middle-income countries around the world. To achieve its mission, Alterfin invests in microfinance and sustainable agriculture in Asia, Latin America and Africa.
Alterfin at a glance
175 partners: 92 microfinance institutions (MFI) and 83 organisations active in sustainable agriculture
60% of the beneficiaries are women
76% of our partners in agriculture are organic certified
At least 2 years of operation
Broad outreach of at least 150 famers benefiting
Benefits for smallholder farmers should be demonstrated (e.g. by fairtrade label and/or organic certification)
Minimum yearly sales > USD 500,000
Operational self-sufficiency > 90% and positive trend
Amount: between 150,000 and 1,500,000 USD
Currency: USD, EUR or local currency
Term: 2 to 5 years
Interest rates: near-market rates
Short-term trade loans with a tenor from 3 to 18 months, used to finance harvest and processing; theseloans can be given against purchase orders
Long-term investment loans with a tenor up to 5 years, used to finance capital investment; these loans require physical asset collateral