Welcome to our new members: ACAF, Erste Group Bank, Maritza Invest & USTOI!

ACAF (Spain), the Self-Funded Communities Association, is a non-profit organization founded in 2004 and based in Barcelona. The organization focuses on the creation and follow-up of saving groups as a way of fighting social and financial exclusion. Learn more


Erste Group Bank AG (Austria) Founded in 1819 as the first Austrian savings bank, Erste Group went public in 1997 with a strategy to expand its retail business into Central and Eastern Europe. Since then, Erste Group has grown to become one of the largest financial services providers in the Eastern part of the EU, both in terms of clients and total assets. Within its social banking activities, Erste founded in Austria Zweite Sparkasse, a special saving bank supporting people in difficult financial situations. Learn more

Maritza Invest (Bulgaria) is an agricultural credit cooperative, founded in 1996 by a group of small farmers. The mission of Maritza Invest is to provide access to high-quality credit, non-credit, and savings services to small businesses in rural and semirural areas, and to work towards building a more equitable society where the people with small businesses living in rural areas will have better chances for a life of dignity. Learn more

USTOI (Bulgaria)

USTOI JSC’s mission is to provide financial opportunities to the micro-business sector in Bulgaria, so that they can implement their ideas at a cost-effective price, leading to increased business income. Learn more