FAMA OPDF

What FAMA OPDF does

FAMA OPDF is a Honduran non-profit Private Financial Development Organization (Organización Privada de Desarrollo Financiera) regulated by the Comisión Nacional de Bancos y Seguros (CNBS), founded in 1993 and headquartered in Tegucigalpa. The organization operates a network of approximately nine physical agencies across Honduras delivering a bundled microfinance product set: credit (microcredit for business and personal use), savings accounts, microinsurance, remittance payment services, and utility bill payment services. Its primary customer segments are micro and small entrepreneurs (such as pulperia owners, street vendors, and small agricultural producers) and low-income households historically excluded from the formal banking system; customer case studies indicate multi-decade client relationships originating through solidarity group lending models.

The company's business model is revenue-diversified across five streams: net interest income from microcredit lending (the core revenue driver), interest expense on savings deposits used to fund lending, microinsurance premiums, transaction fees from remittance payouts, and transaction fees from bill payment services. Distribution is anchored in a direct-to-consumer physical agency model complemented by an organic social media presence (Facebook, Instagram, YouTube, TikTok, WhatsApp) and a Financial Education Portal launched in 2024 to support client financial literacy. Pricing is not publicly disclosed and is governed by CNBS regulation.

No proprietary technology platform, mobile application, or API infrastructure is disclosed in the available sources. Operational delivery relies on agency-based, in-person service. Additional ancillary services include a "Central de Riesgo" (credit bureau information hub), customer service channels, and disposition of "Activos Eventuales" (real estate recovered from credit operations). Governance is provided by a General Assembly, Board of Directors, and Oversight Board. The organization shows no parent company, no disclosed funding rounds, no M&A activity, and no publicly listed equity, consistent with its non-profit OPDF status.

Name

FAMA OPDF

Legal name

FAMA OPDF

Website

https://famaopdf.org.hn

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Tegucigalpa

HQ country

Honduras

HQ region

Latin America

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit/Lending: Microfinance lending products including credit for business development and personal finance, generating revenue through interest on loans
2. Savings Deposits: Accepts savings deposits from customers, generating interest expenses while using funds for lending operations
3. Microinsurance: Microinsurance products providing protection against risks for clients
4. Remittance Services: Remittance payment services for clients receiving funds from abroad
5. Bill Payment Services: Utility and service bill payment services

Go-to-market motion1 record

Distribution channels1 record

Marketing channels8 records

Core offering

FAMA OPDF is a Honduran non-profit Private Financial Development Organization regulated by the CNBS that offers microfinance products including credit (créditos), savings accounts (ahorros), microinsurance (microseguros), remittance payment services, and utility bill payment services to micro and small entrepreneurs and low-income individuals. It distributes these products through a national network of physical branches (agencias) across Honduras, complemented by a financial education portal and customer service channels.

Product overview

FAMA OPDF is a unified financial services organization offering a comprehensive portfolio of microfinance products and services. The core offerings include Credits (préstamos), Savings (ahorros), and Micro-Insurance (microseguros), complemented by remittance payment services and service bill payment solutions. Additional support services include a Financial Education Portal, Risk Center information, Financial User Service, Success Stories, and Eventual Assets sales. The organization serves as a non-profit private development financial organization regulated by the National Commission of Banks and Insurance (CNBS) in Honduras.

Differentiator

Problem solved

Functional benefit

Products and services

• Credits (Créditos) Microcredit portfolio designed to provide clients opportunities to improve their quality of life, develop their businesses, and better manage personal finances. Targeted at micro and small entrepreneurs in Honduras.
• Savings (Ahorros) Savings accounts offering benefits including fund security, interest generation, and convenient account access and management for clients, fostering a relationship of trust and loyalty with the institution.
• MicroInsurance (MicroSeguros) Popular and solidarity insurance products providing protection and coverage for risks that clients are exposed to, minimizing their vulnerability. Targeted at low-income individuals and micro entrepreneurs.
• Remittance Payments (Pago de Remesas) Service enabling clients to receive international remittance payments through FAMA OPDF branches across Honduras.
• Bill Payment Services (Pago de Servicios) Utility and service bill payment service for clients at FAMA OPDF branches.
• Financial Education Portal (Portal de Educación Financiera) Educational platform providing resources on basic economics, savings importance, over-indebtedness prevention, credit concepts, financial data protection, and credit tips for clients and the general public.
• Eventual Assets (Activos Eventuales) Properties and real estate available for sale by FAMA OPDF, including land and homes in various Honduras locations.

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Banco Ficohsa: Regional Central American banking group with operations in Honduras providing consumer credit, deposits, remittances and insurance; comparable to FAMA OPDF on product breadth but with materially larger balance sheet and digital capabilities.
• BAC Honduras: One of the largest commercial banks in Honduras offering consumer credit, savings and remittance services; competes with FAMA OPDF in retail deposit-taking and small-ticket lending but serves a broader customer base.
• Banco Atlántida: Major Honduran commercial bank with national branch network offering credit, savings, remittances and bill payments; overlaps with FAMA OPDF across nearly all product lines but at larger scale and broader customer segments.

Regional players

• MiBanco (Peru): Largest microfinance bank in Peru serving micro and small entrepreneurs with credit, savings and insurance; comparable to FAMA OPDF on microcredit focus and solidarity lending methodology, although operating in a different Central/South American market.
• Banco Compartamos: Leading Mexican microfinance institution serving micro entrepreneurs with group and individual credit plus savings products; comparable to FAMA OPDF on customer segment and methodology, with much larger scale.
• Pro Mujer: Latin American microfinance and women's empowerment organization offering credit, savings and health services across multiple countries including Central America; comparable to FAMA OPDF on microfinance methodology and inclusive mission.

Direct peers

• ODEF Financiera: Honduran Private Financial Development Organization (OPDF) regulated by CNBS offering microcredit, savings and complementary services to micro entrepreneurs; directly comparable in regulatory status, mission and customer base to FAMA OPDF.
• FINSOL Financiera: Honduran microfinance institution providing microcredit and savings products to small entrepreneurs and low-income households; comparable to FAMA OPDF in target segment, product mix and regulated microfinance model.
• FINCA Honduras: Honduran affiliate of FINCA International offering group-based microcredit and savings to underserved women and micro entrepreneurs; directly comparable to FAMA OPDF on solidarity-style lending and financial inclusion mission.

Emerging players

• Tigo Money Honduras: Mobile money platform operating across Honduras with extensive agent network for deposits, withdrawals, bill payments and remittances; competes with FAMA OPDF on remittance and bill payment services while bypassing the need for bank-style branches.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@FAMA-OPDF
• Facebookfacebook.com/FAMAOPDFHonduras
• Instagraminstagram.com/fama_opdf
• TikToktiktok.com/@fama.opdf.honduras
• LinkedInlinkedin.com/company/fama-opdf

Revenue estimate

Valuation estimate

Number of profiles

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 FAMA OPDF