Where we work

Microfinanza has gathered 15 years of professional experience in leading projects worldwide in the microfinance sector.

We work in Sub Saharan Africa, Middle East and North Africa, Latin America and Carribean, Asia and South East Asia, Europe and Italy.

Africa and MENA

Main areas of expertise in Sub Saharan Africa are related to the institutional strengthening (Corporate Governance, Risk Management, Business Planning, Financial and Non-Financial Product Development and Social Performance Management); financial education, project formulation, management, monitoring and assessment, market analysis, research and training; linking MFIs with the provision of green technologies for low-income earners; and strengthen Social Performance Management systems.

In the Middle East and North Africa (MENA), Microfinanza Srl has been mainly involved in projects related to technical consulting, institutional strengthening, credit development, assistance to credit line for the creation of PMI, support to handicraft sector and organization, feasibility study and TA to develop the National Credit Bureau.

Most recent assignments:

  • Start UP Palestine, Financial Vehicles and technical assistance to boost employment and income generation, Technical Assistance to Credit and Saving Cooperatives (Palestine) - MAE AICS

  • Institutional and capacity building of  microcredit associations for improving rural microfinance; technical assistance to 5 rural MFIs (Morocco) - MAE, Ministère Finances Maroc

  • Start Up Palestine, Financial Vehicles and technical assistance to boost employment and income generation - Definition of a disbursement mechanism for a 3 Million Capitalization Fund (Palestine) -  MAE AICS

  • Final Evaluation of the YouthStart Program (DRC, Uganda, Rwanda, Ethiopia and Malawi) - UNCDF
  • Financial Education in Lebanon - with the framework of an ECHO project 2017/2018
  • Netting Technology for Small - scale Vegetable Growers in Sub-Saharan Africa 2017

Other relevant assignments include:

  • Capacity building to MFIs to develop new financial products (Tunisia);
  • Development of a feasibility study for a National Credit Bureau (Tunisia);
  • Implementation and monitoring of micro-credit funds managed by local MFIs (Morocco);
  • Feasibility studies and support to the identification and implementation of actions focused on the development of the remittance channel linking Italy to Morocco and Tunisia, feasibility study for a housing microfinance program for small business (Tunisia);
  • TA to design of poverty scorecards to improve the social performance measurement and management system (Palestine, Jordan and Syria).

Countries where we worked: Angola, Benin, Burkina Faso, Cameroon, Chad, DCR, Djibouti, Egypt, Ethiopia, Ghana, Jordan, Lebanon, Kenya, Namibia, Niger, Nigeria, Malawi, Morocco, Mozambique, Palestine, Rwanda, Senegal, Syria, Tanzania, Togo, Tunisia, Uganda, Zambia.


Main partner, clients and donors in this area are: AICS – Italian Cooperation Development Agency, IFAD, European Union, IUCN, Italian Ministry of Foreign Affairs, local MFIs, Fundaciò Un Sol Mon, Word Bank, Spanish International Cooperation, ADA – Appui au Développement Autonome – Luxembourg, UNESCO, European Investment Bank (EIB), European Commission (EC), IFC,  Spanish Agency for International Cooperation for Development (AEICD), Oesterreichische Entwicklungsbank AG (OeEB) the Development Bank of Austria, Belgische Investeringsmaatschappij voor Ontwikkelingslanden (BIO), Bundesministerium für wirtschaftliche Zusammenarbeit und Entwicklung through Kreditanstalt für Wiederaufbau (BMZ/KfW), UNCDF, Swiss Capacity Building Facility and Local Authorities, DFAE Ambassade de Suisse en Haiti.


Latin America and Caribbean


Microfinanza Srl has a long-standing experience and commitment in supporting and promoting microfinance programmes and projects in Latin America and Caribbean.


The main key areas of expertise are related to feasibility and market studies, institutional strengthening (assessments and diagnostics, development of risk management functions, elaboration of technical guides and tools, management of human resources, business plan development), project evaluation, and portfolio review.


Most recent assignments:

  • Formulation du Programme de l'Agence de la Coopération Italienne - Ligne de crédit dédiée à l'agricolture en Tunisie (AICS - Italie)
  • Design of a Credit Guarantee Scheme in Jenin - Palestine (AICS - Italy)
  • Mid-Term Evaluation of the CleanStart Programme (Cambodia, Ethiopia, Myanmar, Nepal, Uganda) - UNCDF
  • Financial Education within the framework of the programme "Integrated and coordinated protection and WASH response for Syria-Crisis-affected populations in Lebanon"
  • Microfinance agricole et environnement en Haiti: Conjuguer risques, besoins et opportunités en matière de développement agricole soutenable -  DFAE, Ambassade de Suisse en Haiti
  • Financial and social inclusion of the most vulnerable people  (Haiti) - EU


Other relevant assignments include:

  • Inclusion économique et sociale des personnes marginalisées, vulnerables et dépendant de l'économie informelle en particulier les femes des xones d'échange transfrontalières en Haiti;
  • Microfinance agricole et environnement en Haiti: Conjuguer risques, besoins et opportunités en matière de développement agricole soutenable -  DFAE, Ambassade de Suisse en Haiti;
  • Evaluation of a rural microfinance programme supporting 6 Coopératives (Haiti);
  • SPM and CPP training (Uruguay);
  • Training and Technical Assistance on Business Planning (Palestine, Morocco, Haiti and Tunisia)
  • Training on Financial Education (Lebanon, Tunisia, Haiti)
  • Training on Corporate Governance and Risk Management (Uruguay);
  • Evaluation and Development of Good Governance for Credit Unions and FACACH – 2nd Tier (Honduras).

Countries where we worked: Brazil, Chile, Colombia, Dominican Republic, Ecuador, Haiti, Honduras, Nicaragua, Uruguay.

Main clients and donors are: PROFIM COSUDE, TRIPLE JUMP, REDMICROH, IADB, DAI, USAID, FUNED, IFAD, IMFA (Italian Ministry of Foreign Affairs), WB, EU, Pro-Mujer, Ambassade de Suisse en Haiti


Asia and South East Asia


Main areas of expertise in the Asia are related to institutional strengthening (Risk Management, Business Planning, Client Protection and Social Performance Management), market study and research, training activities.





Most recent assignments:

  • Structuring HRM and internal training capacity, NMI -  (India)
  • MAFIPP, Mid - term evaluation, UNCDF - (Laos)

  • Technical Assistance to 5 MFIs to strengthen Client Protection practices and achieve Smart Campaign Certification  (Cambodia) - ACCION


Other relevant assignments include:

  • Mid Term Evaluation UNCDF (Laos);
  • TA to improve client protection practices (Cambodia);
  • Structuring human resources management and internal training capacity (India);
  • Strengthening SPM system (Mongolia);
  • Market feasibility study on mobile banking (Cambodia);
  • Assessment and TA on Client Protection (Cambodia);
  • Market feasibility study on mobile banking (Cambodia);
  • Internal Control and Financial Risk Management Support (Azerbaijan);
  • Design of the Business plan (Russia).

 Countries where we worked: Azerbaijan, Bangladesh, Cambodia, India, Laos, Mongolia, Russia, Uzbekistan.


Main partner, clients and donors in this area are: FMO, IFAD, Incofin IM, KfW - Kredit fur Wiederanstalt, Normicro, UNDP, UNCDF


Europe and Italy


The main key areas of expertise in Europe are the following: Studies on remittance channels (Italy/Senegal-Ecuador-Albania-Philippine-Bolivia) used by immigrant communities (Italy), migrant financial services (Italy), financial products design (Italy), business plan development (Italy), studies on microfinance (European Countries), identification of partners and financial institutions (Italy), training and technical assistance (European Countries), technical assistance on risk portfolio recovery (Republic Srpska and EU countries), feasibility studies for guarantee fund (Italy), institutional diagnostics (Bosnia Herzegovina, Romania and EU countries), project formulation, management, monitoring and assessment (Bosnia Herzegovina, Albania, Macedonia, Moldova, Russia and EU countries), market analysis and research (Bosnia Herzegovina, Italy and other EU countries).


Microfinanza Srl as member of the European Microfinance Network and founding member of the Italian Microfinance Network (RITMI) is deeply involved in promoting microfinance as a tool in the fight against financial and social exclusion and unemployment.


Some of the main clients and donors in this area are: IFAD, Italian Ministry of Interior, European Union, Cariplo Foundation, Compagnia di San Paolo, RITMI, Appui au Développement Luxembourg (ADA), Community Development Finance Association, Professional Associations, Sviluppo Lazio SpA, Permicro Spa, ADL Association Zavidovici of Brescia, Association of Local Democracy Agencies, International Management Group, Monte dei Paschi di Siena and Italian Local Authorities (Apulia Region, Sicilia Region, Liguria Region, Province of Trento, Sicilia Region, Lazio Region, Tuscany Region, Venice Municipality, Provincia di Bologna), University La Cattolica – Milan, Italian NGOs and Giordano dell'Amore Foundation.

Countries where we worked: Albania, Bosnia Herzegovina, Germany, Italy, Macedonia, Moldova, Netherlands, Romania, Russia, Serbia, Spain, Switzerland.