🏦 FINCA Haïti S.A.

FINCA Haïti S.A. was a Haitian microfinance institution established in 1989 with a mission centered on reducing poverty through sustainable financial solutions that enabled low-income Haitians to build assets, create employment and improve their standard of living. Its activities were particularly focused on microentrepreneurs and underserved communities that traditionally had limited access to conventional banking.

The institution became particularly recognized for its focus on women entrepreneurs, village banking and small-business finance. At different points in its development, women represented approximately 85% of FINCA Haiti's customer base, while the institution served more than 45,000 customers and later reported a customer base exceeding 50,000.

FINCA's lending model combined individual microloans, SME lending, agricultural loans and village-bank lending. Its agricultural program specifically targeted farmers and agricultural entrepreneurs, with women representing a significant majority of beneficiaries. In one Financial Inclusion Project reporting period, the agricultural loan program had reached 1,822 beneficiaries, 82% of whom were women.

One of FINCA Haïti's notable differentiators was its early adoption of mobile financial services. Through a partnership with Digicel's MonCash platform, FINCA enabled customers to make loan payments and eventually receive loan disbursements through mobile phones. Its first mobile loan was disbursed in 2017 to a village-bank group, reducing the need for customers in remote areas to travel to a physical branch.

FINCA subsequently expanded its digital approach through a virtual branch, allowing prospective and existing customers to interact with the institution online for parts of the loan application and disbursement process.

The institution also expanded beyond lending after Haiti's 2020 microfinance regulatory framework permitted qualified microfinance institutions to mobilize savings. FINCA Haïti received authorization to offer savings products and reported its first institutional term-deposit client in August 2022 for HTG 100 million. Its planned savings portfolio included term deposits, current accounts, savings accounts and micro-savings.

FINCA's Haitian operations therefore combined several areas of financial inclusion: microcredit, agricultural finance, SME finance, village banking, savings, mobile financial services, money transfers and financial-literacy support. Its withdrawal in 2024 brought an end to more than three decades of operations in Haiti.

📌 Historical Market Position

FINCA operated within Haiti's broader non-cooperative microfinance sector alongside institutions such as ACME and Fonkoze, while bank-affiliated microfinance operations included SOGESOL, Micro Crédit Capital and Microcrédit National. A 2024 sector assessment identified FINCA, ACME, Fonkoze Financial Services and GAFME among the country's principal non-cooperative microfinance institutions under the evolving BRH regulatory framework.

📍 Business Details

🏢 Branch Locations

Current status: FINCA Haïti no longer operates its Haitian branch network.

Historically documented locations

FINCA also operated virtual-branch arrangements, including a virtual operation serving the Léogâne area.

Historical Headquarters

FINCA Haïti S.A.
26, rue Métellus
Place Boyer
Pétion-Ville, Ouest
Port-au-Prince, Haiti

☎️ Phone Numbers

• +509 28 13 0632
• +509 28 13 0631
• +509 28 11 0075

📧 Email Addresses

• info-ht@fincahaiti.com

🕘 Hours of Operation

• Monday–Thursday: 8:30 AM–4:00 PM
• Friday: 8:30 AM–4:30 PM
• Saturday: 8:30 AM–4:00 PM
• Sunday: Closed

💳 Accepted Payment Methods

• Cash transactions
• Bank-based financial transactions
• MonCash mobile money
• Mobile loan repayments
• Mobile loan disbursements
• Online/mobile financial transactions
• MoneyGram money-transfer services

FINCA began using MonCash for loan-payment collection before expanding into mobile loan disbursement. By 2020, mobile banking represented a significant portion of the institution's transaction activity.

👥 Key People

Hamidine Bako

Former Chief Executive Officer / Directeur Général, FINCA Haiti

Hamidine Bako was identified as CEO of FINCA Haiti in connection with the institution's 2020 financing arrangement with Banque Nationale de Crédit.

Guerly Leriche

Former FINCA Haiti Country Leader

The current BRH biography of Guerly Leriche records his previous position as Country Leader, FINCA Haiti, from August 2016 to March 2023, where he managed strategic operations, budgeting, financial reporting, compliance and risk management.

💼 Key Product Lines & Brands

Financial Product Portfolio

• PME Loans / SME Loans
• Individual Loans (IL)
• Village Banking Loans (VB)
• Agricultural Loans
• School Loans
• Savings Accounts
• Current Accounts
• Micro-Savings
• Term Deposits
• Mobile Loans
• MonCash-enabled financial services
• MoneyGram transfer services

FINCA's 2021/2022 Haitian procurement documentation specifically identifies SME, individual, village-bank and agricultural loans, while FINCA's later materials document savings accounts, current accounts, micro-savings and term deposits.

Associated Platforms / Brands

• FINCA
• FINCA Impact Finance
• FINCA International
• MonCash — through the Digicel partnership
• MoneyGram — money-transfer services

🏦 Products & Services

Microfinance & Microcredit

The institution provided financing to individuals and small entrepreneurs who had limited access to conventional banking.

Small & Medium Enterprise Finance

SME loans supported established micro, small and medium-sized businesses with working capital and business-development needs.

Individual Lending

Individual loans provided financing outside the group-lending model.

Village Banking

FINCA's village-bank methodology organized borrowers into community groups that facilitated collective lending, repayment and financial participation. The model was particularly relevant to small merchants and low-income entrepreneurs.

Agricultural Finance

Agricultural lending became a significant component of the institution's portfolio. FINCA provided financing and, through development programs, technical assistance related to business development, natural-resource management and climate-change adaptation.

Women's Financial Inclusion

Women represented approximately 82–85% of beneficiaries/customers in several documented FINCA Haiti programs, making women entrepreneurs a central target market.

Savings & Deposits

Following Haiti's updated microfinance regulatory framework, FINCA developed savings accounts, current accounts, micro-savings and term-deposit products.

Mobile Financial Services

FINCA was an early adopter of mobile finance in Haiti, using MonCash for loan repayment and subsequently mobile loan disbursement.

Money Transfers

The institution offered MoneyGram money-transfer services through its branch network.

Financial Literacy

FINCA-supported programs provided financial-literacy training covering budgeting, savings, responsible borrowing and financial management.

Digital / Virtual Banking

FINCA developed a virtual-branch model that allowed clients to initiate and complete portions of the lending process remotely. 

Tags:
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