Fundación Génesis Empresarial

What Fundación Génesis Empresarial does

Fundación Génesis Empresarial is a Guatemalan nonprofit foundation that has operated in the microfinance and socio-economic development sector for approximately 38 years (founded 1986 per company history). The organization provides credit, digital financial services, and development programming to underserved populations, with 500,000+ families enrolled, 72% women and 81% rural. Its product portfolio spans business loans, agricultural loans, housing improvement loans, group loans, and educational credit, complemented by insurance, remittance services, and a digital wallet (akisi) and mobile application (GénesisApp). Distribution is hybrid: a physical branch network across Guatemala including Cajas Génesis micro-branches, WhatsApp-based loan origination, and a mobile-first digital channel.

The foundation's operations are anchored by its proprietary Ruta de Desarrollo framework, a registered four-stage development methodology that segments client families from essential needs through sustainable socio-economic improvement. Non-financial offerings are bundled with credit, including business training (Líderes en Acción), a customer loyalty program (Programa de Estrellas), and a referral program (Porque te Quiero te Refiero). Strategic alliances extend the ecosystem into adjacent verticals: Ecofiltro for household water purification, Endless computers for technology access, Desarrollo en Movimiento for school nutrition, and SISAP-IRSI for technology scholarship training. The foundation's revenue model rests on interest income from its microcredit portfolio and transaction fees from remittance services, with additional fee income from insurance commissions and product distribution.

Governance is structured as an independent nonprofit foundation with no identified parent company, private equity, or institutional investor ownership. The single named leader is Gerente General Edgardo Pérez. Geographic footprint is concentrated exclusively in Guatemala (Central America), with no disclosed international expansion. The foundation reports no AI/ML capabilities, no proprietary APIs, and no external funding rounds; its growth has been financed through retained operational earnings and product-led diversification.

Name

Fundación Génesis Empresarial

Legal name

Fundación Génesis Empresarial

Website

https://genesisempresarial.org

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

251–500 employees

Short description

Fundación Génesis Empresarial is a Guatemalan nonprofit microfinance foundation serving 500,000+ families (72% women, 81% rural) with business, agricultural, housing, and group loans, plus remittances, insurance, and a digital wallet, organized around its registered Ruta de Desarrollo four-stage development framework.

Ownership category

akta.pro rank

Product category

Microfinance

NAICS

Grantmaking Foundations (813211)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

Private Foundations (BPAGAKAA), Community Foundations (BPAGAKAB)

Keywords

• Microfinance lending
• Rural credit services
• Group lending methodology
• Agricultural microloans
• Remittance processing

Headquarters

HQ city

Guatemala City

HQ country

Guatemala

HQ region

Latin America

Offices2 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. Microfinance Lending: Interest income from various loan products including business loans, agricultural loans, housing loans, group loans, and educational credit. Core revenue stream from interest on microcredit portfolios.
2. Remittance Services: Fee-based remittance processing services for Guatemalan families receiving funds from abroad

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Fundación Génesis Empresarial is a Guatemalan nonprofit foundation that provides microfinance and business development services to underserved populations, especially rural women. Its core offering is a suite of credit products (business, agricultural, housing, group, and educational loans) combined with training, advisory services, insurance, a digital wallet (akisí), a mobile application (GénesisApp), remittance services, and point-of-sale financing (Cajas Génesis), all organized around its proprietary Ruta de Desarrollo four-stage development methodology.

Product overview

Fundación Génesis Empresarial is a Guatemalan microfinance foundation offering a comprehensive suite of financial and non-financial services organized around its Ruta de Desarrollo (Development Path) framework. The core offering consists of credit products including business loans, agricultural loans, housing loans, group loans, and educational loans, all accompanied by training and advisory services. The organization also provides digital financial services through its akisí digital wallet and GénesisApp mobile application, remittance services, and point-of-sale financing through Cajas Génesis. Non-financial products include insurance, assistance services, Ecofiltro water purifiers, and Endless computers. The portfolio includes loyalty and referral programs (Programa de Estrellas and Porque te Quiero te Refiero) and the Líderes en Acción business development program. The organization serves over 500,000 families with a focus on women (72%) and rural populations (81%), operating through branches throughout Guatemala.

Differentiator

Problem solved

Functional benefit

Brands

• Ruta de Desarrollo®: Development path program for families to progress through socio-economic stages
• GénesisApp
• akisi
• Cuotas Génesis
• Caja Génesis
• Abasto
• Porque te Quiero te Refiero®
• Líderes en Acción
• Programa de Estrellas

Products and services

• Préstamo para negocio (Business Loan) Business loans accompanied by training and advisory services for micro and small entrepreneurs to grow their businesses in Guatemala.
• Préstamo agropecuario (Agricultural Loan) Agricultural loans for livestock and crop activities targeted at rural Guatemalan producers needing financing for animals, equipment, and crops.
• Préstamo para vivienda (Housing Loan) Housing loans for the expansion and improvement of homes, available to low-income Guatemalan families.
• Préstamo grupal (Group Loan) Group loans for male and female entrepreneurs, using social collateral group lending methodology at branch locations, enabling access for those without traditional credit history.
• Crédito Educativo (Educational Loan) Educational loans to support access to education and help break the cycle of poverty for Guatemalan families.
• Seguros (Insurance) Insurance products designed to protect Guatemalan families and their assets.
• Asistencias (Assistance Services) Assistance services providing help and support to clients when needed.
• Cajas Génesis (Point-of-Sale Financing) Point-of-sale financing service allowing customers to pay for goods in installments at affiliated merchants throughout Guatemala.
• akisí (Digital Wallet) Digital wallet enabling users to conduct financial transactions and mobile payments.
• Remesas (Remittance Services) Remittance service enabling Guatemalan families abroad to send money to their relatives in Guatemala, processed through the branch network.
• Abasto (Trade Financing) Working capital trade financing that boosts sales for small businesses in Guatemala.

Quantifiable outcome

• 500,000+ families in development path
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• SISAP-IRSIcoreStrategic or Co-development Partner · 9 March 2024Partnership for the CreaIA Technology Scholarship Program offering 100% free technological development training in AI and programming for 42 Guatemalan youth in Guatemala City, Quetzaltenango, and Suchitepéquez.
• EcofiltrocoreStrategic or Co-development PartnerStrategic alliance to provide water purification solutions to Guatemalan families. Ecofiltro is a domestic water purifier manufacturer, with Fundación Génesis serving as distribution channel through its branch network.
• Desarrollo en MovimientocoreStrategic or Co-development PartnerStrategic alliance for food security programs. Fundación Génesis contributes monetary donations to support school breakfast programs (DEMos) benefiting 1,325 children across 5 educational centers in Guatemala.
• EMpactminorOthersListed as partner in website footer; organization focused on social impact
• Educación DigitalminorOthersListed as partner in website footer; digital education initiative

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Tigo Money: Mobile money and digital wallet service operating in Guatemala under Millicom. Competes with Fundación Génesis's akisí wallet and remittance products in the same underserved Guatemalan market, particularly among unbanked populations.

Others

• Oikocredit: International cooperative that finances microfinance institutions, SMEs, and renewable energy in developing countries. Adjacent ecosystem player that could be a financing partner or capital provider to Guatemalan microfinance operators.
• BlueOrchard Finance: Global impact investment manager focused on microfinance and inclusive finance. Relevant ecosystem participant as a potential debt or equity capital provider to microfinance institutions like Fundación Génesis.

Direct peers

• MiBanco: Peruvian microfinance institution serving micro-entrepreneurs with credit, savings, and financial inclusion products. Comparable for microenterprise lending model, multi-product offering, and Latin American emerging-market operating context.
• Friendship Bridge: US-Guatemala nonprofit microfinance organization providing small loans and education to indigenous Guatemalan women. Closest mission-aligned peer, sharing the nonprofit foundation structure and women-focused microcredit model.
• Banco ADOPEM: Dominican Republic microfinance bank serving low-income populations with credit, savings, and remittances. Comparable for microenterprise lending methodology and Caribbean-Central American emerging-market footprint.
• Banrural (Banco de Desarrollo Rural): Guatemalan commercial bank specialized in rural development and agricultural lending. Most directly comparable peer as it serves the same rural segment and Guatemalan geography with overlapping credit products for small producers.
• Compartamos (Gentera): Mexican microfinance institution (now part of Gentera holding) and one of the largest in Latin America. Comparable for group lending methodology, microenterprise targeting, and rural client focus—though now a publicly listed commercial entity.

Broad incumbents

• Banco Agromercantil de Guatemala (BAM): Major Guatemalan commercial bank with strong agricultural and SME segments. Comparable customer base and Guatemalan geography, but operates as a broader full-service incumbent rather than microfinance specialist.
• Banco Industrial: Largest private bank in Guatemala serving consumers and SMEs nationwide. Relevant for shared Guatemalan market and overlapping customer segments, but with broader commercial-banking portfolio rather than microfinance focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fundagenesisgt
• YouTubeyoutube.com/channel/UCO60Kx9WtWiEqTZK8PUe-PQ
• Facebookfacebook.com/fundaciongenesisempresarial
• LinkedInlinkedin.com/company/g-nesis-empresarial
• Instagraminstagram.com/fundaciongenesisempresarial/?hl=en
• TikToktiktok.com/@fundaciongenesis

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Fundación Génesis Empresarial