SOFIPA 7
Limited by finances, Oliva couldn’t expand her couture atelier. With a loan from Sofipa, she bought more fabric, grew her business, and hired employees. Your investment enables Sofipa to offer group loans to 480 female entrepreneurs in Mexico, just like Oliva. *exchange rate risk EUR/USD*
€150,000
7.00%
18 kuud
6 kuud
USD
ValuutaSumma | €150,000 |
Intressid | 7.00% |
Küpsus | 18 kuud |
Tagasimaksed | 6 kuud |
Valuuta | USD |
Projekt
Oliva's couture atelier, a family business in Oaxaca that has been around for 40 years, specializes in creating traditional Mexican clothing. A craft passed down from generation to generation, now to her son as well. Thanks to a group loan from Sofipa, she was able to purchase fabric and thread, and hire staff, leading to growth. She is part of a network of female entrepreneurs who support and work together to develop their businesses.
Step into Oliva's atelier…
What social return could your investment generate?
Financing is crucial in southeastern Mexico, where Sofipa operates. Historically, this region has faced the greatest challenges. The state of Oaxaca has alarming poverty rates due to a lack of education, infrastructure, and basic services, which hinders development. The lives of women in this area are even more challenging, exacerbating their disadvantages. A loan makes women more independent, creating equal opportunities and empowering them.
With your investment in this Sofipa project, you enable around 480 women to receive a group loan. The loans run on a cycle of 16 weeks (4 months), and with each cycle, the women build a credit history that can help them apply for formal bank loans later on. For a first loan, a group member can borrow up to 7,000 Mexican pesos (340 euros) without collateral. The women guarantee each other, creating a strong social support structure.
What financial return could your investment generate?
- Annual interest rate of 7%
- The maturity of the loan is 18 months
- Grace period: This project has a grace period. After 12 months, you will receive your first repayment of your investment, and thereafter, you will receive a repayment every 6 months.
- With an investment of 1,000 euros, your expected total repayment would be 1,088 euros
- Please consider that although you invest in EUR, the loan is in USD, so there is a risk of exchange rate fluctuations between dollars and euros. For more information on potential exchange rate risks, please visit our currency page.
The story of Sofipa
Financial inclusion is one of the problems the region of Oaxaca in Mexico is facing. The scarce offer of financial services specialized in reaching low-income citizens inspired the emergence of Sofipa in February 2004. With its existence, Sofipa contributes to financial inclusion and the region's overall development.
Sofipa started operating under the legal figure of the Cooperative Society. However, in search of being more competitive and innovative, in 2016, they decided to adopt the legal formation of an Investment Promotion Company, SOFOM, ENR. Read more about Sofipa on their company profile page. Since then, it has enabled at least 10.000 women to expand their businesses and improve the lives of their families.
Sofipa in numbers
- Founded in 2004
- 467 employees
- Loan portfolio of €13,968,857 (end of 2022), for female group loans
- Approximately 10.000 credits to women a year
Ettevõtte nimi | SOFIPA |
TEGEVJUHT | Francisco Diaz |
Asutatud | 2004-02-01 |
Asukoht | San Antonio de la Cal |
Sektor | Finantsteenused |
Käive | $9,100,000 |
Töötajad | 467 |
Krediidiskoor | A+ |
Mõju
97% Sofipa klientidest on naisettevõtjad. Peamiselt mitteametlikus sektoris tegutsevad naised vajavad kõige enam juurdepääsu finantssüsteemile.
Mehhiko mikrokrediidiasutuse eesmärk on lõpetada vaesus, andes inimestele kasvuvõimalusi, ja võidelda soolise võrdõiguslikkuse eest, aidates naistel oma sissetulekuid parandada. Seni on nad suutnud toetada rohkem kui 14 500 naist.
Sofipa pakub naisettevõtjatele krediiti grupilaenude kaudu. Loe lähemalt sellest, kuidas grupilaenud toimivad, Sofipa tutvustavas blogipostituses siin.
Sofipa on esindatud 7 osariigis 32-st ja on eriti aktiivne kahes Mehhiko suurima vaesuse määraga osariigis, Guerrero 38,41% ja Oaxaca 33,49% riigi tasemega.
60 decibels'i poolt läbi viidud uuring näitab järgmisi tulemusi Sofipa klientide mõju ja kliendirahulolu kohta:
- 1,2 Kaasamise indeks (vaata siit)
- 71% arvab, et Sofipa on hea rahastamisalternatiiv
- 83% kavatseb kasutada laenu oma olemasoleva ettevõtte kasvatamiseks
Uuringud näitavad, et tärkava turumajandusega riikide naised investeerivad 90 senti igast teenitud lisadollarist oma perekonda ja lähiümbrusesse. See tähendab paremat kooliharidust, tervishoiuteenuseid, üldist elustiili ja lõpuks ka majanduskasvu.
Naisettevõtjatele sobivate rahastamisvõimaluste pakkumine aitab neil ületada neid takistusi, mis takistavad neid oma ettevõtte alustamisel või kasvatamisel. Konkreetsed laenuomadused, mis on tüüpilistele naisettevõtjatele atraktiivsed, on pikemaajalised laenud, madalamad intressimäärad, alternatiivsed tagatised ja tagasimaksetähtajad.
SKT mõjutatud
Selle projektiga aitate kaasa järgmiste säästva arengu eesmärkide saavutamisele:
SKT 1 - vaesuse kaotamine
SKT 5 - sooline võrdõiguslikkus
SKT 8 - inimväärne töö ja majanduskasv
SKT 10 - Vähenenud ebavõrdsus
Loe lähemalt mõju kohta, mida saad meie platvormi ja SKT kaudu avaldada , meie mõju leheküljelt.
Seotud blogiartiklid
- Tutvu 3 naisettevõtjaga, kes saavad laenu Sofipa kaudu.
- Naisettevõtjad on võimsa majanduse jaoks hädavajalikud. Lugege siit, miks.
- Kas soovite rohkem teada saada soolisest investeerimisest? Vajuta siia.
- Tahad rohkem teada, kuidas finantskaasamine võib ettevõtlust edendada? Loe siit.
- Selle investeeringuga parandatakse 480 elu