Secure your spot: Regular Prices Available Until 5 May

Regular registration for the 27th MFC Annual Conference starts on 5 May. Don’t miss the opportunity to secure your spot at the best available rate – prices will increase after 5 May.

The conference kicks off on the afternoon of 27 May with an exclusive Pre-Conference CEO Forum: Navigating the Future of Finance & Climate (separate registration and payment required).

On 28–29 May, participants will explore a wide range of critical topics shaping the future of inclusive finance:

What’s New This Year?

Venue & Travel

The conference will be held at the Paragraph Freedom Square, a Luxury Collection Hotel in the heart of Tbilisi – just steps from the historic Old Town, a UNESCO World Heritage Site.


🏨 Take advantage of our exclusive hotel rates — check the accommodation options on the website.

Plan Your Participation

🗓 Dates: 27–29 May 2025
📍 Location: Tbilisi, Georgia
🔗 Register Now: https://2025.mfc.org.pl
📩 Questions? Contact the Conference Secretariat: mfc2025@pavgroup.cz

Summary: Borrow Wisely and Microfinance for Youth Entrepreneurs Campaigns 2024

In 2024, the Microfinance Centre conducted two key campaigns: Borrow Wisely and Microfinance for Youth Entrepreneurs.

Borrow Wisely, held from October 1-31, promoted global client protection standards. Led by Microfinance Centre and its members, the campaign educated microentrepreneurs, farmers and their families on wise borrowing and avoiding excessive debt.

Microfinance for Youth Entrepreneurship, running from November 1 to December 5, highlighted the microfinance sector’s role in empowering young entrepreneurs, aiming at building the visibility of the sector at the national and regional level. It featured insights from the “Missing Entrepreneurs 2023“ report (approved by the OECD’s Co-operative Action Programme on Local Employment and Economic Development Directing Committee and by the OECD’s Committee for SMEs and Entrepreneurship by written procedure on 6 November 202), which examined government policies to unlock entrepreneurial potential in under-represented groups such as women, youth, seniors, the unemployed, immigrants, and people with disabilities.

Success stories from clients of various microfinance institutions were also shared.

In 2024, we partnered with 19 organizations from 7 European markets.

Collectively, these partners reached more than 1 518 109 individuals through online and offline channels.

Partners 2024

  •  3Bank, Serbia
  • Prima Finantare, Moldova
  • Microinvest, Moldova
  • Vitas30, Romania
  • Partner, Bosnia & Herzegovina
  • Fondi Besa, Albania
  • Microsmart, Greece
  • Horizonti, Macedonia
  • Mi-Bospo, Bosnia & Herzegovina
  • AMFI, Bosnia & Herzegovina
  • FedInvest, Albania
  • EKI, Bosnia & Herzegovina
  • IUTE, Albania
  • NOA, Albania
  • BCR Social Finance IFN, Romania
  • Agro and Social Fund, Albania
  • Moznosti, Macedonia
  • AMA, Albania
  • Kredo, Albania

Obraz1 — kopia
Obraz2 — kopia
Obraz3 — kopia
Obraz4 — kopia
Obraz5 — kopia
Obraz7 — kopia
Obraz9 — kopia
Obraz10 — kopia
Obraz12
Obraz13
Obraz14

Discover the Key Social Finance Trends of 2024

We share the Key Trends in  Microfinance and Social Finance Sector of 2024! Our concise yet comprehensive report covers:

We’ve meticulously tracked and analyzed the novelties, practices, and discussions from practitioners, national sectors, and at the EU level. Don’t miss out on the best practices and new solutions that are defining this year’s crucial content.

LEARN MORE

Let’s make 2025 more innovative, diverse, and greener!

@Kelly Sikkema

2024: What a Year!

As 2025 is already underway, we take a moment to reflect on MFC’s incredible journey in 2024 and extend our heartfelt gratitude to our partners and friends for empowering communities across Europe and Central Asia through sustainable finance.

We wish you resilience and success in the face of challenges this year. Together, let’s make 2025 more innovative, diverse, and greener!

Here are some standout highlights from MFC’s 2024:

2025: Let’s take small steps toward meaningful change, together!

#Microfinance #SocialEconomy #InclusiveFinance #SustainableDevelopment #MFC2024Highlights #BestMFCMoments #SIFTA

Happy Holiday Season

Wishing you light, love, and moments of relaxation during this holiday season. May the New Year bring a more inclusive, greener, and fairer world for all.

We look forward to achieving even greater milestones together in the coming year.


Happy Holidays and an Innovative New Year from all of us at the Microfinance Centre!

Thank you for Social Finance Vibe 2024

We’ve wrapped up an incredible 2 days of Social Finance Vibe filled with insights, inspiration and collaboration. From speakers and sponsors to attendees, we extend our gratitude for your invaluable support and active participation.

Social Finance Vibe 2024 Highlights:

Recordings of all sessions will be available on our website soon.

Thank you for helping make Social Finance Vibe 2024 special. We’re grateful for the opportunity to learn, connect and strengthen the visibility of the social economy and microfinance sectors with you.

We look forward to seeing you at future events.

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the European Commission. Neither the European Union nor the granting authority can be held responsible for them. 

Microfinance for Youth Entrepreneurship Campaign 2024

The Microfinance Centre (MFC) is committed to ensuring equal opportunities for young people to start their own businesses and is launching the Microfinance for Youth Entrepreneurship Campaign 2024. Together with its partners, MFC aims to spotlight the essential role of the microfinance sector in empowering young entrepreneurs. This campaign will share key insights from the recent publication Missing Entrepreneurs 2023 and highlight success stories from various microfinance institutions across Europe.

Through this initiative, MFC will expand its reach to engage microfinance stakeholders and underscore the sector’s critical role in supporting youth entrepreneurship. According to Missing Entrepreneurs 2023, around 40% of young people in the EU, aged 15 to 30, aspire to be self-employed. However, barriers such as limited entrepreneurial skills, constrained networking opportunities, and restricted access to finance continue to hinder young people’s ability to start businesses or become self-employed, despite increased support.

Ewa Bankowska, MFC Deputy Director, stated: The Microfinance Centre and its partners have supported the ‘missing entrepreneurs’ for over 2 years. By sharing success stories and building awareness, we advocate for microfinance as a vital bridge for young entrepreneurs facing financial barriers. Last year’s campaign highlighted the role of microfinance in supporting female entrepreneurship and this year, we’re focusing on youth. Notably, 89% of European MFIs already finance young entrepreneurs’ ventures. Our mission is to boost young entrepreneurship internationally through microfinancing.

The Missing Entrepreneurs 2023 is the seventh edition in a series of biennial reports examining how government policies can release untapped entrepreneurial potential from under-represented parts of the population of impactful entrepreneurs, including women, youth, seniors, the unemployed, immigrants and people with disabilities.

Participating organizations include:

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the European Commission. Neither the European Union nor the granting authority can be held responsible for them. 

The Missing Entrepreneurs 2023 is the seventh edition in a series of biennial reports examining how government policies can release untapped entrepreneurial potential from under-represented parts of the population of impactful entrepreneurs, including women, youth, seniors, the unemployed, immigrants and people with disabilities. It offers comparative data on the entrepreneurship activities and the barriers faced by each group across OECD and European Union countries. It takes a deep dive into the effectiveness of youth entrepreneurship schemes and the design of welfare bridge schemes for business creation by job seekers. It also contains country profiles for each of the 27 EU Member States showing the major recent trends in diversity in entrepreneurship and the current state and evolution of policy for each country.

Borrow Wisely Campaign 2024

Borrow Wisely Campaign 2024

How much is safe to borrow? What will I really pay for a loan? Can I spot legal pitfalls? How do I avoid losing money? These are the essential questions at the heart of the Borrow Wisely campaign. This year marks the 10th edition of this international financial education initiative, led by the Microfinance Center (MFC) in partnership with 14 organizations across Europe. The campaign aims to help clients borrow money safely, avoid over-indebtedness, and build a trustworthy reputation for the microfinance sector.

What is the “Borrow Wisely” Campaign?

The “Borrow Wisely” campaign promotes global client protection standards. Led annually by the Microfinance Center and its partners − responsible lenders committed to building a trustworthy microfinance sector − the campaign seeks to educate clients on borrowing wisely and avoiding the pitfalls of excessive debt.

Empowering Borrowers to Make Informed Choices

The campaign’s goal is to help clients understand that the power to borrow wisely is in their hands. By asking the right questions, borrowers can avoid the risks of over-indebtedness and make well-informed decisions about how much they can safely borrow.

Why Microfinance Institutions Join Forces

For over 30 years, microfinance institutions have been committed to protecting their clients by promoting responsible borrowing practices. This campaign reinforces the importance of client protection, helping to prevent over-indebtedness and empowering clients to make informed financial decisions. By working together, microfinance institutions ensure they continue to serve their clients effectively while upholding international standards for responsible lending.

What We Do

The campaign reaches out to clients and potential clients of microfinance institutions through posters, leaflets, brochures and social media communicating the importance of borrowing wisely. A simple “pre-loan” checklist of questions helps ensure that clients borrow within safe and responsible limits.

Ewa Bankowska, MFC Deputy Director, said: Microfinance acknowledges its partners for their dedication to promoting the Borrow Wisely Campaign and achieving significant results over the years. Last year alone, we reached an audience of approximately 2,423,487 individuals through a blend of online and traditional communication methods. At the Microfinance Center, collaboration is key, and together with our 14 partners, we are making a more substantial impact in promoting responsible borrowing practices.

Campaign Partners 2024:

Celebrating the Resounding Success of the 26th MFC Annual Conference Through Remarkable Images

The Microfinance Centre (MFC) is proud to announce the resounding success of the 26th MFC Annual Conference Embracing Diversity for Inclusive Finance. Held on May 14-15, 2024, in Cracow, Poland, the event gathered approximately 400+ participants from 39 countries, creating a dynamic atmosphere for insightful dialogue and networking.

The conference attracted the microfinance providers from 127 microfinance and social enterprise finance providers, 12 microfinance national associations, 28 investors, 13 consultancies, 9 policymakers and regulators, and 5 IT & digital services providers.

Attendees highlighted key aspects of the event: 64% valued meeting potential business partners, 61% found the sessions highly informative, and 71% appreciated the relevance of the sessions to their work and the professionalism of the speakers. Furthermore, 89% of participants felt they had ample time to engage with other participants, leading to numerous significant connections and discussions (*).

The conference featured a diverse array of sessions addressing pressing issues in microfinance. Participants engaged in thought-provoking conversations led by industry experts and thought leaders, exploring topics such as pathways to inclusive finance, innovative approaches to climate change, leveraging technology for greater financial inclusion, ESG reporting as a catalyst for microfinance transformation and the intersection of finance and social impact. Sessions underscored microfinance’s role in empowering vulnerable entrepreneurs, navigating trends in inclusive finance, and harnessing artificial intelligence for diverse and inclusive microfinance.

The Microfinance Center had privilege of hosting distinguished speakers and moderators, including Cristina Dumitrescu from European Investment Fund (Luxembourg), Surjit Chana from Beneficial State Bank (United States), Florian Ott from Erste Group Bank AG (Germany), Elvina Garayeva from Incofin Investment Management (Belgium), Brigitte Fellahi-Brognaux from European Commission, DG EMPL  (Belgium), and many more esteemed experts (the full list of speakers is on:  www.2024mfc.org). Their insightful presentations and expertise greatly enriched the conference.

During the conference, MFC hosted a landmark roundtable with representatives from the National Banks of Armenia, Georgia, Kyrgyzstan, Tajikistan, and Uzbekistan, alongside delegates from the Asian Development Bank (ADB) and International Finance Corporation (IFC). Participants deliberated on strategies to promote sustainable growth in the microfinance industry, with a focus on financial stability and consumer protection. Regulators discussed addressing challenges within their respective countries, while ADB and IFC representatives shared their extensive experiences, offering valuable advice on regulatory frameworks.

The roundtable concluded with a commitment to ongoing knowledge sharing and policy discussions aimed at fostering a supportive regulatory environment. A subsequent networking lunch furthered opportunities for dialogue and collaboration, including additional representatives from Bosnia and Herzegovina, Kosovo, and national microfinance associations.

The MFC Annual Conference provides a unique opportunity to establish new partnerships between funders and social finance providers. Each year, we are happy to welcome new stakeholders joining the MFC family – remarked Archil Bakuradze, MFC Council Chairman and Chair of the Supervisory Board at JSC MFO Crystal, Georgia.

Ewa Bańkowska, MFC Deputy Director emphasized:  The microfinance sector continues to diversify by welcoming new types of financial providers, funders, but most importantly by expanding the outreach to vulnerable groups such as migrants or social enterprises. The diverse and dynamic interactions during the conference underscored the importance of embracing diversity to achieve financial inclusivity.

The conference was generously supported by sponsors: European Investment Fund (EIF),  responsAbility Investments AG, Bank Gospodarstwa Krajowego, BlueOrchard, Frankfurt School of Finance & Management, Finance in Motion, The European Fund for Southeast Europe (EFSE) and partners:  Agents for Impact GmbH, Accion, Aspekt, Incofin, Triple Jump, Polish Bank Association, CGAP’s FinDev Gateway.

See more remarkable images from the Annual Conference

About Microfinance Centre (MFC):  

The MFC is a social finance network that champions fairness, inclusion, equality, and responsible service. It unites over 130 organizations across 36 countries in Europe and Central Asia, collectively delivering responsible microfinance services to nearly 2,000,000 low-income clients. Together with our members – microfinance, financial cooperative systems, social finance banks, social investors, academic institutions, national and international support organizations and networks – we seek to make financial services work effectively for people, communities and the planet by embracing sustainability good practices and standards, sharing knowledge, advocacy and networking in the region of Europe and Central Asia.

END

Contact Information:

Joanna Sosnowska-Orynska, Communications Coordinator at MFC

Email: joanna.sosnowska@mfc.org.pl

(*) According to evaluation survey results

Watch SIFTA Webinar: AI powered solutions for SEFPs – Responsible AI, Machine Learning and Practical Use Cases for Microfinance and Social Finance Institutions

Watch SIFTA Webinar: AI powered solutions for SEFPs – Responsible AI, Machine Learning and Practical Use Cases for Microfinance and Social Finance Institutions

Watch this exclusive SIFTA webinar and discover how responsible AI can revolutionize your social finance institution! 

Here’s what you’ll gain: 

  • Transformative AI Strategies: Learn from industry experts Gift Mahubo (Accion Advisory), Andre Kravchenko (HES FinTech), and Mark Rudak (GiniMachine) on how to leverage AI and Machine Learning to create a competitive edge. 
  • Responsible AI in Action: Explore best practices for ethical AI development, ensuring fairness, transparency, and data privacy in your financial inclusion efforts. 
  • Real-World Use Cases: Discover practical applications of AI and Machine Learning that can empower your organization to better serve clients and stakeholders. 
  • Industry Collaboration: Gain insights on how to navigate the evolving regulatory landscape and foster collaboration for successful digital transformation. 

 

Don’t miss out: 

This webinar is designed for Data Specialists, Risk Managers, Credit Officers, and C-Level Managers at Social Enterprise Finance Providers (SEFPs) looking to harness the power of AI for positive social impact. 

Remember: 

According to KPMG’s 2023 Global Tech Report, the majority of surveyed companies (68%) consider AI and Machine Learning as vital in helping achieve their business goals over the next 3 years. Overall, an average of 63% of respondents have reported an increase in performance as a result of their digital transformation efforts over the past 24 months, with tech investment driving profit or performance improvement uplift of over 10%, up from previous year uplift of 2.5%, a fourfold increase. 

Our Experts

Andre Kravchenko – Senior Vice President of Business Development at HES FinTech

Andre Kravchenko is the Senior Vice President of Business Development at HES FinTech. In this role, Andre is responsible for the development of strategic partnerships in the financial services ecosystem, working with legacy and fintech lending institutions on driving digital transformation, innovation and financial inclusion, powered by AI and Machine Learning. Andre is also the Head of Fintech Capital Solutions Advisory at HES FinTech, bringing over a decade worth of debt and equity capital markets experience and extensive transactional track record in the impact investment space.

Gift Mahubo – Senior Director, Operations and Technology, Accion Advisory

Gift Mahubo manages the delivery of data-centered and tech-enabled services to our global partners. Gift joined Accion in 2011 and brings more than 20 years of experience working in the areas of technology, digital strategy, process automation and digital product implementation. Prior to joining the organization, he served as Chief Information Officer for Accion partner Accion Microfinance Bank. Gift holds an MBA from National University of Science and Technology, Zimbabwe and a degree in electronic engineering, and is certified in IT governance, information security, auditing, compliance and project management.

Mark Rudak – Machine Learning Product Owner, GiniMachine

Mark Rudak holds the position of Machine Learning Product Owner at HES Fintech, where he plays a key role in the planning and development of a cutting-edge machine learning-based platform – GiniMachine, a no-code AI solution for Data Driven Decisioning.
With a deep understanding of the industry landscape, Mark is a driving force behind the transition towards responsible deployment of AI and strategic utilization of alternative data sources.

Our partners

Watch SIFTA Webinar: How to analyze social enterprises – Demystifying Financing Social Enterprise: Analysis, Risks & Rewards

Social enterprises play an increasingly important role in the European economy. By linking economic activity with social impact, these businesses offer solutions to pressing social challenges. The financial sector often views social enterprises as high-risk and non-bankable. However, this doesn’t mean their financial credibility can’t be assessed. We need to consider both their social impact goals and their financial sustainability to ensure they can deliver lasting impact.

This webinar will explore:

  • Key factors for analyzing social enterprises beyond profit and cash flow.
  • Strategies for loan collateralization.
  • The growing demand for investment in social enterprises in Europe.
  • Successful examples of social enterprises generating a “double bottom line” of financial and social impact.
  • Metrics used to assess social enterprises, compared to traditional MSMEs.

Who should attend:

  • Social enterprise funds
  • Microfinance institutions and other funds financing MSMEs
  • Other financial intermediaries interested in financing the social enterprise sector such as cooperative, ethical or mainstream banks
  • Anyone who wants to learn how social enterprises combine economic activity with social good.

The Opportunity

Social enterprises are a growing sector in Europe, particularly in Western Europe, while countries of Central and Eastern Europe show increasing interest.  This sector represents a growing demand for investment and working capital, while its strong social mission, driven by committed entrepreneurs makes them attractive investment opportunities.

By watching this webinar, you’ll gain valuable insights into social enterprise financing.

Our Experts

Teresa Zagrodzka – senior expert in the field of financing social enterprises as well as being a professional advisor and trainer for the NGOs sector.

She headed the Social Economy department in TISE – Polish microfinance institution which implemented pilot program: preferential loans for social enterprises in Poland, then continued with the developed financial instruments for these entities also in other countries: Slovakia, Slovenia, Croatia, Hungary.  As an expert, trainer and adviser she participated in the project creating the social enterprises’ support ecosystem in North Macedonia in terms of reinforcement already existing entities, encouraging potential partners to finance them (including loans, donations, contracts).

In the role of MB member or financial director she was and still is in charge of finance management in few organizations that run economic activity.

She wrote many articles and publications on finance management, basic accountancy for non-accountants, dedicated to NGO managers. She is also co-author of manual on an innovative social impact bonds concept, report on financial sources for innovative projects in Poland or several reports on the Macedonian social entrepreneurship needs, condition and development directions.

Beata Biela – Advocacy Manager.

Beata has professional experience both in social economy sector and in business entities. She worked in TISE within social economy division both in grating loans to social economy entities and in Social Venture Capital. Before that she worked in Caritas Somalia in Africa, at Finance Commission of Caritas Internationalis in Rome, PAH. In the past, she worked in business entities like PKN Orlen (capital investments), PKP (capital group controlling), Pfeifer&Langen – previously BSO Polska (controlling and business development), Ernst&Young (due diligence, corporate finance, audit). She graduated from Warsaw School of Economics in the line of Finance and Banking as well as Management and Marketing. She also completed postgraduate studies of Geopolitics and Geostrategy, Global Development, MBA. She is a CFA charterholder.

Our partners

Watch SIFTA Webinar: How to give employees constructive feedback

Feedback, especially constructive feedback, is something that should not be feared, on the contrary, can be treated as a gift. However, it is not easy to receive or give it. This valuable and effective tool to support our development requires flexibility and empthy in communication. During the webinar you will have the opportunity to learn and practice Feedforward a new method of giving feedback. 

During our webinar we will talk about new ways to solicit, receive, give feedback in your team and organisation. 

The webinar targets managers and team leaders of microfinance and social enterprises finance providers. 

RECEIVE, ACCEPT, PROVIDE  feedback is an effective feedback model. It is time to refresh our feedback tool so that it is: 

  • Quick and frequent (as teams need nowadays) 
  • Honest and authentic – which builds trust and psychological safety 
  • Encouraging the inclusion of diverse points of view (diversity)  
  • Future-oriented and growth-oriented – which builds ownership and empowerment 

 

At the webinar you will learn:

  1. How important feedback is for the culture of an organisation and for teams that care about an extraordinary workplace experience ( Emloyee Experience EX)
  2. We will introduce you to a very interesting and well-received (especially by the younger generations in teams) Feedforward feedback model.
  3. How to use the new feedback communication tool.
  4. We will also talk about what pitfalls to avoid when giving feedback. 

Our Experts

Bożena Olszewska, Servant Leadership trainer, coach and emphatic communication trainer

Bożena for over 15 years has been practicing the use of modern forms of education such as coaching, career counselling, Career Compass and behavioral style profiling. 
She supports people and organizations in following and discovering direction and empowering strategies that flow from their values and needs. 
Throughout her career, she has been in charge of distribution, developing contractor networks and sourcing new markets in Europe, Asia and the USA. At the same time, she led groups and teams in non profit organizations. She also supports artistic communities, aimed at the personal development of artists. 

Our partners

FEBEA and MFC Join Forces to Strengthen Microfinance and Ethical Finance in Europe

Microfinance Centre (MFC) and European Federation of Ethical and Alternative Banks (FEBEA) are thrilled to announce their strategic partnership, aimed at advancing the cause of microfinance and ethical finance in Europe. This collaboration will focus on policy and advocacy activities, communication, and events to promote these vital tools for the development of the Social Economy in Europe. 

By actively engaging in EU policy discussions, working together on European Financial Instruments, and addressing common challenges in relationships with European Institutions and stakeholders, FEBEA and MFC seek to create a stronger and more unified voice for microfinance and ethical finance within Europe. 

As two leading organizations in their respective fields, FEBEA and MFC bring extensive expertise and networks that will greatly benefit their customer bases and the wider community. This partnership will provide an opportunity to drive positive change, foster innovation, and strengthen the impact of microfinance and ethical finance on social and economic development. 

As part of this collaboration, FEBEA and MFC have established a framework partnership agreement, outlining their shared objectives and areas of cooperation. This agreement will serve as a solid foundation for their joint efforts and ensure a coordinated approach towards achieving their common goals. 

Both organizations are excited about the opportunities this partnership will bring and are committed to working together to drive positive change and support the growth of microfinance and ethical finance in Europe. 

About Microfinance Centre (MFC):  

A social finance network that promotes fairness, inclusion, equality and responsible service. MFC unites over 120 organisations across 36 countries of Europe, Central Asia, who together deliver responsible microfinance services to almost 2,000,000 low-income clients. 

About FEBEA – European Federation of Ethical and Alternative Banks and Financiers: 

A non-profit association based in Brussels gathering 33 members whose aim is to finance social and solidarity economy (SSE) and projects with social, environmental and cultural value in 17 European countries, serving more than 700,000 people. Its objective is to support the exchange of experiences and promote cooperation between social economy and social finance practitioners. 

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the European Commission. Neither the European Union nor the granting authority can be held responsible for them. 

Setting up financial instruments supporting migrant integration.

Practical guide part 1

This fi-compass practical guide aims to assist Asylum, Migration, and Integration Fund (AMIF) Managing Authorities and other stakeholders as they begin exploring the use of financial instruments to support third-country nationals’ integration in the EU. It explains how shared management financial instruments work and who can benefit from their support. The guide covers advantages of using financial instruments, implementation options, opportunities to combine grants and financial instruments, key stakeholders’ roles and responsibilities and well as key milestones in the financial instrument lifecycle.

Read the publication

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the European Commission. Neither the European Union nor the granting authority can be held responsible for them. 

Watch Webinar: MFC and Tech to the Rescue

As you may already know, MFC and Tech To The Rescue (TTTR) – a global platform that connects nonprofits with tech companies – have established a cooperation in August this year. The goal of this cooperation is to assist and support MFC Members in their digital transformation to help them achieve their mission and vision more effectively and efficiently.

As part of this cooperation, we are inviting you to a webinar on how MFC Members can benefit from TTTR collaboration systems.

During this webinar, you will learn about:

  • What are TTTR’s goals, who are TTTR’s partners
  • What is the nonprofit organization journey with TTTR- process explanation of how to register and submit a project and what the crucial elements of well-written projects are
  • Examples of solutions and available technologies.
  • Q&A session

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the European Commission. Neither the European Union nor the granting authority can be held responsible for them. 

Green Index 3.0: case studies for each Essential Practice

Read the case studies which illustrate how the Green Index framework can be useful to the institutions looking for learning about good practices in green inclusive finance and willing to share their own good practices.

The “Green Essential Practices Case Studies Series” highlights the experience of Financial Service Providers (FSPs) with good practices in the 8 key areas identified in the Green Index 3.0. The Case studies under this series offer practical examples of how an FSP developed its practices to inspire and facilitate the journey of others.

The 8 Green Essential Practices (EPs) provide a roadmap for FSPs to maximise their green impact:

  • EP1: Define their environmental strategy 

Assilassimé Solidarité (Togo)     

Chamroeun (Cambodia)

  • EP2: Implement their environmental strategy

Fortune Credit (Kenya)     

Fundación Génesis Empresarial (Guatemala)

  • EP3: Identify client or portfolio-level environmental risks and opportunities

COMUBA (Benin)     

Bancamia (Colombia)

  • EP4: Identify institutional-level environmental risks and opportunities

Tamweelcom (Jordan)     

CACMU (Equador)

  • EP5: Manage client or portfolio-level environmental risks and opportunities

Caurie MF (Senegal)     

Muktinath (Nepal)

  • EP6: Manage institutional-level environmental risks and opportunities

RENACA (Benin)     

Banfondesa (Dominican Republic)

  • EP7: Offer green financial products and services

Pula (Global)     

Annapurna (India)

  • EP8: Offer green non-financial products and services 

ASKI (Philippines)

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the European Commission. Neither the European Union nor the granting authority can be held responsible for them. 

Join the SIFTA Webinar on Improving digital and green skills of microfinance clients

  • 6 May 2025
  • 11:00- 13:00 CET
  • Online
Register
 
 Explore how digital and green strategies are reshaping the future of inclusive finance.
 

This webinar, based on a compelling case study from Partner – a leading MFI in Bosnia & Herzegovina- will equip microfinance and social enterprise finance providers with practical strategies to empower their clients with essential digital and green skills. Partner is a regional pioneer in offering energy efficiency and renewable energy loans. Their innovative green financial products are strategically paired with ongoing client coaching and advisory support. Partner leverages digital technology, including their own platforms, to provide clients with digital tools that are essential for effectively utilizing their green products.

Representatives from Partner will explain how this integrated approach works in practice, demonstrating how they simultaneously provide crucial green financial products and improve clients’ digital literacy, knowledge, and green competencies through consistent coaching and the use of digital tools.

Participants will learn about:

✅ Partner’s green financial products and their key parameters.

✅ Digital calculation tools can be used to support the effective utilization of green products.

✅ Implementing coaching and advisory strategies that enhance both digital and green skills simultaneously.

✅Utilizing digital platforms and tools to deliver green products and services.

✅ Enhancing the economic and environmental impact of client businesses through integrated skill development.

This webinar targets:

❇️Microfinance and social enterprise finance practitioners,

❇️Non-financial services providers partnering with MFIs or providers of social enterprise finance,

❇️Development professionals involved in financial inclusion.

📣  Join us for an engaging session on how to empower microfinance clients with the digital and green skills they need to succeed in a sustainable, tech-driven world!

Experts profiles:

👩‍💼 Selma Jahic

     Head of Development   and Projects, Partner   Microcredit   Foundation & Partner Microcredit   Company

      Selma Jahic holds a B.Sc. in Economics and an MBA         from International Burch University in cooperation with Texas A&M University-Commerce, USA. With over 27 years of experience in the microfinance sector, Selma has been a driving force at Partner since 1998. Throughout her career, she has held several leadership roles including Head of Marketing, Director of Credit Operations, Director of Support, and Executive Director for Credit Operations. Her expertise spans sales, operations, marketing, product development, project management, and institutional support—making her a key figure in advancing innovative microfinance practices in the region.

👨‍💼 Adnan Omerbegovic

  Head of Marketing and Customer Care     Department, Partner Microcredit Foundation

 

  Holds a Master’s degree in Economics from the University of Banja Luka, specializing in Financial, Banking, and Stock Exchange Management. With over 11 years of experience in the microcredit sector, he currently serves as the Head of Marketing and Customer Care at a Partner microcredit organization. Throughout his career, Adnan has held various roles, including managing digital sales channels, developing marketing strategies, and improving customer engagement.

He has extensive expertise in digital marketing, project management, customer service, and financial management, with a strong focus on energy efficiency and renewable energy projects.

Register

 Join the SIFTA Webinar on AI powered services for microentrepreneurs and social enterprises: Innovative AI tools for business

  • 28 April 2025
  • 12:00-14:00 CET
  • Online
Register

Unlock the Power of AI: Practical Applications for Microfinance and Social Enterprise Finance

Discover how artificial intelligence is reshaping the way microfinance institutions and social enterprise finance providers operate. This hands-on webinar explores real-world applications of cutting-edge AI tools, designed to boost efficiency, enhance client service, and support smarter decision-making—no coding skills required.

Led by an expert in the field, the session will feature live demonstrations and case studies to show how you can seamlessly integrate AI into your daily work.

You’ll learn :

✅ The evolution of AI solutions in business processes – analysis of the latest trends and their implications for the microfinance sector

✅ Process automation and implementation of AI agents – case studies on improving operational efficiency

✅ Microsoft 365 ecosystem with Copilot – practical applications in analytics and client documentation management

✅ No-code development – creating dedicated financial tools without programming skills

✅ Advanced research using large language models – optimizing decision-making and information retrieval processes

This webinar is ideal for:

❇️ Microfinance and social finance professionals
❇️ Innovation and digital transformation leads
❇️ Development practitioners focused on financial inclusion

📣 Don’t miss this opportunity to explore how AI can drive smarter, more effective operations in the finance sector!

⚡Expert’s profile:

Mikołaj Tajchman is an AI trainer and consultant with extensive experience in business applications of artificial intelligence. He has delivered over 250 hours of workshops and trainings, working with companies like GE Healthcare, mBank, and Skanska. He specializes in making complex AI concepts accessible, with a strong background in logic, philosophy, and data science. Mikołaj also brings over 10 years of experience in project management and academic communication.

Register

CEO Forum: Strategic Dialogue on Climate Action & Microfinance

MFC CEO Forum: Navigating the Future of Finance & Climate

27 May @ 14:00 – 17:30 (Limited Seats – Separate Registration Required)

Join an exclusive gathering of visionary CEOs to confront the challenges and seize the opportunities shaping the future of microfinance.  This forum will transcend conventional discussions, offering strategic insights into both the climate imperative and the transformative forces reshaping the financial landscape. The meeting will kick off with a networking reception, providing an opportunity to connect with fellow leaders. Following the forum, we will organize a CEO networking dinner to further foster connections and continue the conversation.

Part I: Climate Action – Leadership in a Skeptical Era (Moderated by Jarek Dmowski, MFC Consultant)

In a world grappling with populism and skepticism, is climate action still a priority? Absolutely. We will confront the rising tide of doubt, exploring the political and societal forces that challenge climate agendas. Let’s also discuss the groundbreaking results of MFC’s latest research, showcasing the diverse climate initiatives and projects already underway within the microfinance sector. We will examine the limitations hindering even greater engagement, identify untapped opportunities, and address critical knowledge gaps. Be among the first to explore MFC’s research on new global climate finance initiative, empowering MFIs as catalysts for sustainable change.

Part II: Decoding the Financial Revolution – Insights from Moody’s (presented by Petr Paklin, Moody’s)

CEOs will gain a crucial understanding of the evolving financial landscape through the lens of three pivotal Moody’s reports. This session will provide a big-picture view on the significant shifts occurring across emerging markets, the European digital banking scene, and the transformative power of artificial intelligence globally. Participating CEOs will learn how banks are responding to fintech disruption, navigating economic headwinds, and leveraging AI for efficiency and personalization. We will then discuss how these trends impact MFIs and brainstorm how to strategically position your MFI for sustainable growth in a rapidly transforming world.

This forum is your opportunity to engage with peers and thought leaders, navigate interconnected developments, and lead your MFI towards a resilient and impactful future.

Archil Bakuradze warmly invites you to join us for the 27th MFC Annual Conference

Archil Bakuradze, Chair of MFC Council and Chair of the Supervisory Board at Bank Crystal (MFC member and Georgia’s premier non-banking financial institution), warmly invites you to join us on May 27-29 in Georgia for the 27th MFC Annual Conference “Shifts, Shocks and Solutions: Microfinance in the Shadow of Geopolitics”. Registration is now open!

This year edition is under the Honorary Patronage of the National Bank of Georgia.

Explore the full agenda and plan your schedule to make the most of your experience.

Learn more and register today: https://2025.mfc.org.pl

For any questions, please contact the Conference Secretariat via e-mail: mfc2025@pavgroup.cz

SIFTA Training Program 2025: Practical Learning for a Changing World

The Microfinance Centre (MFC) is extending the SIFTA training program into 2025, continuing its mission to support the growth, sustainability and innovation of Microfinance Institutions (MFIs) and Social Enterprise Finance Providers (SEFPs).

We’re currently preparing a dynamic lineup of webinars and local workshops designed to equip practitioners with practical skills and share effective practices that meet the challenges of today’s rapidly evolving environment.

Key Focus Areas in 2025

✅ Technological Innovations
2025 brings rapid advancements in AI, automation and machine learning. These technologies are driving efficiency and enabling intelligent solutions across the microfinance and social finance sectors.

✅ Sustainable Development Practices
Institutions are increasingly integrating sustainability into their operations — embracing renewable energy, reducing waste, and strengthening their role in advancing broader environmental and social goals.

✅ Digitization
Digital tools are vital for maintaining productivity and client connectivity, especially in remote or underserved areas.

✅ Data Analytics
Data-driven insights are essential for understanding client needs, enhancing decision-making, and building lasting relationships through tailored services.

Upcoming Webinars

Topics planned for the 2025 webinar series include:

Registration for these sessions will open soon on our website.

Local Workshops (H1 2025)

📍 Poland

📍 Italy

📍 Croatia

Stay tuned for updates on our website:
🌐 https://mfc.org.pl/

We look forward to another year of impactful learning and exchange – shaping stronger, more resilient financial institutions across Europe and beyond.

Any questions? Please contact Joanna Zukowska: joanna@mfc.org.pl.

SIFTA 2024: A Year in Review

We are excited to share the successful completion of the 2024 SIFTA program! This achievement was made possible thanks to the dedicated support of our partners, experts, speakers, and participants who helped shape and implement SIFTA, strengthening the European microfinance and social finance community.

Throughout the year, we carried out activities in Bulgaria, Croatia, Greece, Italy, Lithuania, Poland, and Romania, providing valuable insights and training on key industry topics.

Key Training Topics:

📌 AI in Sales and Marketing Processes
📌 How to Benefit from AI in Microfinance
📌 Key Trends and Developments in Inclusive Finance
📌 Monitoring & Early Warning – Preventing Debt Collection
📌 How to Analyze Social Enterprises
📌 Lending Risk
📌 Developing the Greek Market
📌 ESG Demands – Lenders’ Perspective
📌 Smart Tech: Assessing MSME Creditworthiness
📌 Instruments to Support Social Finance
📌 IFRS 9 Compliance
📌 Risk Management
📌 How to Give Employees Constructive Feedback
📌 Accessibility in Financial Services
📌 Principles of Equal Opportunities and Non-Discrimination

SIFTA 2024 in Numbers:

✔️ 9 Webinars
✔️ 4 Tailored Trainings
✔️ 6 Code of Good Conduct Sessions
✔️ 11 Workshops
✔️ 4 Peer-to-Peer Visits
✔️ 2 Investment Readiness Sessions
✔️ 2 Portfolio Analysis & Pipeline Building Sessions
✔️ 2 Study Visits

We invite you to explore our webinar recordings on our YouTube Channel and gain insights from industry experts:

▶️ Watch now

▶️ Watch now

▶️ Watch now

A huge thank you to everyone who contributed to making SIFTA 2024 a success! Stay tuned for more initiatives as we continue working towards strengthening financial inclusion and social finance in Europe.

#SIFTA2024 #FinancialInclusion #SocialFinance #Microfinance #ESG #AIinFinance

SIFTA Program 2025: Training Opportunities for Microfinance and Social Finance Providers

The Microfinance Centre (MFC) is extending its SIFTA training program into 2025, offering a comprehensive set of training opportunities for microfinance and social finance providers (MFIs and SEFPs). These sessions are designed to equip institutions with the knowledge and tools needed for long-term growth and sustainability.

Key Training Areas for 2025

These training sessions will help MFIs and SEFPs:

MFC remains committed to empowering microfinance and social finance institutions through targeted training and development initiatives.

We will soon announce our 2025 open enrollment events. Any questions? Please contact Joanna Zukowska: joanna@mfc.org.pl.

Insights into the European Code of Good Conduct for Microfinance

At the request of the European Commission (DG EMPL), the Microfinance Centre (MFC), in collaboration with EMN, conducted a survey to gather feedback from microfinance institutions (MFIs) on the European Code of Good Conduct (ECoGC). A total of 24 responses were collected and presented to DG EMPL in March, providing insights into the current situation and areas for potential amendments.

Why Is This Important?

Endorsing or signing up for the Code is a prerequisite for microcredit providers seeking EU funding under the EaSI financial instruments and the InvestEU Social Investment and Skills window.

Key Recommendations from MFIs:

📌 Code Content – revisiting the Code to reflect market realities, reducing excessive clauses, and improving alignment with existing regulations and support programs.

📌 Certification Process – simplifying the process, possibility of conducting certification in stages, clearer timeframe, introducing levels of available certification based on institution’s type and resources, separate processes for banks, NBFI, social finance providers)

📌 Renewal Process – standardizing the format to focus on changes and follow-ups on previous recommendations

📌 Certifying Institution – increased number of certifying institutions (e.g. introducing regional certifying institutions) – although the recommendations regarding the adequate number of certifying institutions were not unanimous, less rigid interpretation of Code’s clauses, more flexibility)

📌 Other Recommendations – creating a centralized database with mandatory annual data provision from certified institutions and allowing non-EU organizations to apply under specific conditions.

We sincerely thank all the organizations that provided feedback: Adie, AFI, Agro & Social Fund, Artigiancredito, Asociatia C.A.R.Retezatul, Aurora, Bizkaia, BT Mic, Cresaçor, Confeserfidi, FED Invest, FINBEE, FLEXIDEA, FONDI BESA, Lithuanian Central Credit Union (LCCU), Microlux, Mikrofunden, Nantik Lum, OMRO, SIS Credit, Slovene Enterprise Fund, Qredits, TISE, USTOI.

MFC’s Role & Next Steps

MFC has been actively engaged in the Code’s development from the very beginning, advocating at the EU level to ensure that MFI perspectives and evolving market conditions are considered.

Looking ahead, the European Commission aims to expand adherence to the Code, ensuring that at least one MFI per country complies and promoting greater transparency by requiring MFIs to disclose annual reports, financial statements, impact evaluations, and other key data.

Stay tuned for updates as we continue working to enhance the European microfinance ecosystem.

ESG Fundamentals Training at Finora Bank

From March 24–27, 2025, the team at Finora Bank participated in a specialized ESG Fundamentals for Financial Institutions training as part of the SIFTA program.

Hosted at the headquarters in Vilnius, Lithuania and at the branch in Tallinn, Estonia, the training focused on effectively integrating Environmental, Social, and Governance (ESG) principles into financial operations.

Key Highlights:

• In-depth workshops on ESG strategy, management, impacts, risks, and opportunities
• Practical exercises, discussions, and hands-on use of the CERISE-SPTF ESG assessment tool

Objectives:

• Gaininig a clear understanding of essential ESG concepts and their strategic impact on financial institutions
• Identifing the key ESG factors and stakeholders
• Exploring the risks and opportunities tied to long-term business success
• Familiarizing with available ESG tools and best practices
• Aligning with EU regulations and social investor expectations
• Discussing pathways for implementing ESG frameworks and strategies
• Enhancing customer outcomes through ESG considerations
• Reviewing key regulations and investor expectations

Participants:
• Management
• Operations & Risk Management Teams
• Credit Department (Sales, Credit Underwriting, and Portfolio Management)

Trainer:
Rakhat Gravesteijn, a seasoned management consultant with over 20 years of experience in inclusive finance and impact investing. With leadership roles across Europe and Central Asia, Rakhat has spent the last seven years advising financial institutions and impact investors in Europe, Asia, and Africa on sustainable finance, ESG, consumer protection, and customer outcomes management.

MFC remains committed to empowering microfinance and social finance institutions through targeted trainings and development initiatives.

Thank you to everyone involved in organizing the trainings in Lithuania and Estonia!