• Debt investments: Loan maturity from 1 to 5 years.
• Equity investments: The investment period is typically 7 years.
• Guarantees: Guarantees with maturities from 1 to 5 years.
• Technical assistance: MFIs can receive assistance to improve their financial and social performance.

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The terms vary according to the fund which provides the investment. Incofin IM can provide financing in EUR, USD and the local currency. We work together with specialized partners in order to hedge investments in local currencies.

Incofin IM invests in microfinance institutions which comply with the criteria of the funds managed by Incofin. These are the minimum criteria:

• Microfinancing is the primary business
• The credit portfolio amounts to at least EUR 1 million
• The organization is profitable and this can be proved with externally audited accounts
• The organization is committed to social performance
• The quality of the portfolio is high, with PAR30 < 10%

In addition, Incofin IM attaches great importance to the social objectives of the institution that receives the funding.

The procedure to apply for funding from Incofin Investment Management is transparent and occurs in three stages:

• Phase 1: application and first selection
  Complete the application form. Incofin IM examines your application and decides if it is eligible, based on the investment criteria of our funds.
• Phase 2: examination by Incofin IM
  Incofin IM examines your application in detail and visits your company on site.
• Phase 3: decision and execution
  After a favorable decision by the Investment Committee of the Incofin IM fund to which the investment is attributed, the contract is signed and implemented. Afterwards, Incofin IM monitors the investment from closer quarters. Your institution provides us with the necessary information.

Together, we can build a long-term partnership.

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