Since 2008, Appui au développement autonome (ADA) and the Central American and Caribbean Microfinance Network (REDCAMIF) have built a very successful alliance relationship in the region.
With the first Program “Expanding Inclusive Finance in Central America and Dominican Republic”, executed under this alliance in the years 2012-2017, it achieved an important impact on the diversification of sustainable inclusive financial services for low-income populations.
The continuity of this alliance for the years 2018-2021 was structured under the Regional Program, “Improvement of social value added to Microfinance”, which aims to improve the quality of life of low-income population in Central America and Dominican Republic, through strengthening capacities of the microfinance sector as a development tool.
This program combines a pragmatic approach in the development of responsible and inclusive finance, through financial services with added values, that low-income population needs to improve their standard of living, and the development of actions that actors in the sector require to continue strengthening the creation, use and efficient dissemination of new knowledge to improve Microfinance Institutions productivity.
The expected results of the project are:
- Promoted the social performance vision
- Reduced the transaction costs process for MFI clients
- Strengthened capacities of MFI in offering financial services with added values
- Strengthened the MFI risk management
- Facilitated the transparency and the MFI information exchange
- Generated knowledge management capacities by the National Networks and REDCAMIF
- Strengthened the capacities of the National Networks and REDCAMIF to support the microfinance sector in the region
- Managed alliances and leverage to strengthen Microfinance in the Region.
Digital Transformation
7 Microfinance Institutions have developed their digital transformation strategy
9 Microfinance Institutions have implemented digital solutions
Mobile Credit Tool 
Online collective service 
Transactional app for clients 
Digital Platform for Customer Service / Chatbot 
• Smart business management
• Improvements to the Collection Module
• App development improvements
• Electronic agenda for advisers
• App with source codes, allows different developments to complete TOPAZ
• Mass messaging by WhatsApp
• Improvement of the Mobile Credit Tool
Authentication, through token generation in digital products 
• Service payment hub
• Data update in online banking / mobile banking
Housing – Water and Sanitation
8 Microfinance Institutions have designed and implemented financial services for Housing and Water and Sanitation
| Thematic | Microfinance Institution |
| Water and sanitation | PANA PANA-Nicaragua HPHES – El Salvador FAPE – Guatemala MAYAVERSATIL – Guatemala BANCO POPULAR – Honduras |
| Housing | FUSAI – El Salvador SHARE – Guatemala |
| Green Housing | ADOPEM – República Dominicana |
| Value offer using NFS | FUSAI – El Salvador |
Rural Finance – Green Finance
| Thematic | Microfinance Institution |
| Energy efficiency | BANCO POPULAR – Honduras FFDL – Guatemala |
| Green Finance | PADECOMSM – El Salvador |
| Rural Family Business Financing | PILARH – Honduras |
| Green Livestock Credit | SUMA FINANCIERA – Panamá |
| Green Finance for Ecotourism | FDD – Guatemala |
| Green Agricultural Credit | CREDICAMPO – El Salvador |
| Financing of technologies for the production of vegetables | FUNDENUSE – Nicaragua |
Promotion of Transparency
Microfinance Portal
Microfinance sector publications
Knowledge management
Countries
Events
Participants
Quality assessment
Rural Finance and Environment
Social Housing
