FINCA Guatemala

What FINCA Guatemala does

FINCA Guatemala, legally known as Fundación Internacional para la Asistencia Comunitaria (FINCA/GUATEMALA), is a non-profit microfinance institution founded in 1997 in Guatemala City. It operates as a subsidiary of FINCA Impact Finance (FIF), which sits under FINCA Microfinance Holding Company LLC with FINCA International, Inc. (a Washington, D.C. not-for-profit) as the majority shareholder and KfW as a minority shareholder. The institution serves over 430,000 micro-entrepreneurs, smallholder farmers, and rural borrowers across Guatemala through a network of 27 branch offices, with 74% of its clients being women entrepreneurs and a share used as primary breadwinners for their families.

The product portfolio centres on three lending products: Individual Loans (3-60 month terms for micro-businesses), Village Banking Loans (group-based lending for communities of 5-25 members with rates from 4% and bundled health insurance), and Agricultural Loans (rates from 2%, terms up to 60 months aligned to harvest cycles, with automatic parametric insurance against drought, flood, and earthquake). Complementary services include a Consultas Médicas health-and-life insurance plan and Plan Me Cuida coverage (monthly fees from Q25.00), remittance services, and the SoyFINCA Android mobile application for client referrals, payment-point locators, and WhatsApp-based support. Operations are supported by a digital lending platform and field automation tools, with no disclosed AI/ML capabilities.

FINCA Guatemala generates revenue primarily through interest income on microloans (individual, group, agricultural), recurring subscription-based premiums on bundled insurance products, and transaction-based fees on remittance services. Distribution is multi-channel: direct sales via loan officers across 27 branches using a community-led village banking model, self-serve digital channels via website and the SoyFINCA app, and an asset-light payment infrastructure built on 4,800+ partner points including major Guatemalan banks (G&T Continental, BAM, BAC, InterBanco, Ficohsa), mobile money providers (Tigo Money, Intermex), and retail chains. The institution holds Gold-level Client Protection Certification from Cerise+SPTF and is embedded in the broader FINCA Impact Finance network spanning 13+ countries.

Name

FINCA Guatemala

Legal name

Fundación Internacional para la Asistencia Comunitaria (FINCA/GUATEMALA)

Website

https://finca.gt

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

FINCA Guatemala is a non-profit microfinance institution serving 430,000+ borrowers (74% women) across Guatemala through 27 branches and a 4,800+ payment-point network, offering individual, village banking, and agricultural loans bundled with parametric insurance.

Ownership category

akta.pro rank

Product category

Microfinance

NAICS

Other Nondepository Credit Intermediation (52229)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

Agricultural & Rural Microfinance (FSAKAGAG), Microenterprise Group Lending (Joint Liability) (FSAKAGAH)

Keywords

• Microfinance lending
• Village banking groups
• Agricultural microloans
• Financial inclusion services
• Parametric crop insurance

Headquarters

HQ city

Guatemala City

HQ country

Guatemala

HQ region

Latin America

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Microloan Interest Income: Interest income from individual loans, village banking loans, and agricultural loans extended to microentrepreneurs and small farmers across Guatemala
2. Insurance Services: Insurance products including health, life, and parametric insurance offered as additional benefits to loan products, with monthly premiums starting from Q25.00
3. Remittance Services: Money transfer services enabling clients to send and receive funds, supporting Guatemalan migrants and local entrepreneurs

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

FINCA Guatemala provides microfinance services to underserved microentrepreneurs and smallholder farmers in Guatemala through three primary credit products: Individual Loans with 3-60 month terms, Village Banking group loans for collectives of 5-25 members, and Agricultural Loans with harvest-aligned repayment and bundled parametric insurance. The product suite is rounded out by health, life, and parametric insurance plans, a network of 4,800+ repayment points, remittance services, and the SoyFINCA mobile application for referrals and customer support.

Product overview

FINCA Guatemala operates as a microfinance institution offering a multi-product portfolio centered on financial inclusion for underserved populations in Guatemala. The core offering includes three distinct lending products: Individual Loans for microentrepreneurs with flexible 3-60 month terms; Village Banking Loans for community groups of 5-25 members emphasizing collective guarantee and solidarity; and Agricultural Loans with harvest-aligned repayment schedules and bundled parametric insurance. Supplementary services include a nationwide network of over 4,800 payment points across multiple banking and retail partners, insurance products (Consultas Médicas, Plan Me Cuida, and Parametric Insurance), collection management fees, and the SoyFINCA mobile application for referrals and customer service. The organization has served over 430,000 clients through 27 branches since 1997, with women comprising approximately 74% of the client base.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Loan (Crédito Individual) Microenterprise financing solution with flexible 3 to 60 month terms, competitive interest rates, and quick approval and disbursement; designed for business owners seeking funds to acquire supplies, expand operations, or pursue entrepreneurial goals, with no early-repayment penalty and an age requirement of 18-74 years.
• Village Banking Loan (Crédito Grupal) Group-based financial solution for communities of 5 to 25 members providing collective loans with interest rates starting at 4%, comprehensive health insurance, and local meeting arrangements that emphasize communal responsibility and mutual support among group members.
• Agricultural Loan (Crédito Agrícola) Specialized financing for small farmers with interest rates as low as 2%, flexible repayment terms from 3 to 60 months aligned with harvest cycles, and automatic parametric insurance coverage protecting against drought, flood, and earthquake to enhance crop yield and profitability.
• Insurance (Consultas Médicas and Plan Me Cuida) Health and life insurance plans covering medical exams, consultations, and comprehensive health/life protection, available as an additional benefit with loan products or as standalone coverage (including for non-loan holders); maximum coverage age of 74 years and monthly fees starting from Q25.00.
• Parametric Insurance Asset protection insurance automatically bundled with Agricultural Loans, providing coverage against climate-related disasters such as excess rain, earthquake, and drought based on predefined parameters; designed to protect farmers' livelihoods without requiring a traditional claims process.
• Remittance Services Money transfer services that allow clients to send and receive funds, supporting Guatemalan migrants and their families and local entrepreneurs (operated in partnership with remittance agents such as Intermex).
• SoyFINCA Mobile App Android mobile application enabling customers to access product information, locate payment points, receive WhatsApp customer support, and submit client referrals to earn referral bonuses; distributed via the Google Play Store.

Quantifiable outcome

• 430,000+ clients served
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and major.

• Seguros UniversalescoreStrategic or Co-development PartnerInsurance provider collaborating with FINCA Guatemala to offer insurance products including health, life, and parametric insurance coverage. Joint medical brigades organized to provide healthcare to underserved communities.
• BAC (Banco de América Central)majorChannel Partner/ Reseller/ DistributorLocal banking partner providing payment point services for loan repayments through BAC branch network.
• BAM (Banco Agromercantil)majorChannel Partner/ Reseller/ DistributorLocal banking partner integrated into FINCA's payment network for customer convenience.
• FicohsamajorChannel Partner/ Reseller/ DistributorLocal banking partner in FINCA's payment network.
• G&T ContinentalmajorChannel Partner/ Reseller/ DistributorLocal banking partner providing payment point services including Agentes G&T locations.
• InterBancomajorChannel Partner/ Reseller/ DistributorLocal banking partner; alliance expanded FINCA's network with 57 additional payment points in October 2015.
• PRONETmajorChannel Partner/ Reseller/ DistributorPayment network alliance enabling customers to make credit payments at PRONET partner locations including Tigo Money, Farmacias Batres, and other agents.
• Tigo MoneymajorChannel Partner/ Reseller/ DistributorMobile money service providing payment point locations for loan repayments across Guatemala.
• FINCA Impact FinancecoreOthersFINCA Guatemala is part of FINCA Impact Finance (FIF), a worldwide network of leading social-impact microfinance institutions. FIF is owned and operated by FINCA Microfinance Holding Company LLC (FMH), with majority shareholder FINCA International, Inc.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Bancoagrícola: Bancoagrícola is a major Salvadoran bank with a strong agricultural and small-business lending presence in Central America — comparable to FINCA Guatemala's agricultural loan book and rural distribution, but focused on El Salvador.

Direct peers

• Pro Mujer: Pro Mujer is a Latin American MFI providing group-based loans, savings, and health services to women in low-income communities across multiple countries — closely comparable to FINCA Guatemala's women-focused (74% female client base) village banking approach.
• ADOPEM (Banco ADOPEM): ADOPEM is a Dominican Republic MFI focused on microenterprise lending and women entrepreneurs, comparable to FINCA Guatemala in both target customer (women microentrepreneurs) and microfinance product design.
• Grameen America: Grameen America operates a Grameen-style group-lending microfinance model targeting women entrepreneurs — conceptually identical to FINCA Guatemala's village banking methodology and women-focused client acquisition.
• Opportunity International: Opportunity International is a global microfinance network providing small-business loans, savings, and training across Latin America including Guatemala — overlapping with FINCA Guatemala's target clients and group-lending products.
• Compartamos (Gentera): Compartamos / Gentera is one of the largest microfinance institutions in Latin America, originating in Mexico and operating a group-lending and individual-loan model comparable to FINCA Guatemala's village banking and individual credit products.
• Banco ADEMI: Banco ADEMI is a Dominican microfinance and small-business bank providing group and individual microcredit — directly comparable to FINCA Guatemala's lending methodology and target borrower segments.
• Banco BanRural: BanRural is the largest Guatemalan bank focused on rural and agricultural finance, serving small producers and microentrepreneurs with credit, savings, and payments — overlapping with FINCA Guatemala's smallholder farmer and rural microfinance segments.
• Genesis Empresarial: Genesis Empresarial is a Guatemalan non-profit MFI providing microcredit and business development services to microentrepreneurs across Guatemala, directly overlapping with FINCA Guatemala's target market and group/individual lending products.

Others

• Tigo Money Guatemala: Tigo Money is a mobile money operator active across Guatemala, integrating with FINCA Guatemala as a payment channel. It is also increasingly extending digital credit to underbanked consumers, making it an adjacent fintech/ecosystem participant competing for the same customer wallet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/FINCA
• LinkedInlinkedin.com/company/finca-guatemala
• Facebookfacebook.com/FINCAGuatemala

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FINCA Guatemala