Impulso Microfinanzas para el desarrollo

Name

Impulso Microfinanzas para el desarrollo

Legal name

Fundación Horizonte de Máxima

Website

https://impulso.org.ar

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Microfinance Services

NAICS

Other Nondepository Credit Intermediation (52229), Consumer Lending (522291)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Microenterprise Group Lending (Joint Liability) (FSAKAGAH)

Keywords

• Solidarity microcredit lending
• Financial inclusion services
• Community-based microfinance
• Financial education programs
• Microenterprise development

Headquarters

HQ city

Buenos Aires, Buenos Aires Autonomous City

HQ country

Argentina

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Donations - Individual Donors: Monthly recurring donations from individual supporters (starting from $2,500/month in Argentina) and one-time donations, processed through MercadoPago and credit/debit cards. International donations also accepted.
2. Corporate and Institutional Donations: Funding from companies through corporate social responsibility programs, ESG initiatives, and strategic alliances where each corporate training session generates a microcredit for entrepreneurs in vulnerable neighborhoods.
3. Grants and Competitions: Applications to public and private competitions, national and international grants for social impact organizations working in financial inclusion and poverty reduction.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Impulso provides small solidarity-guarantee microcredits (average ARS 281,500 in 2024) to informal entrepreneurs and low-income families in vulnerable Argentine neighborhoods who lack access to formal banking, using a Grameen Bank-inspired Banquitos group-lending methodology that requires no payslips or collateral. It complements the credits with free financial education, entrepreneurship workshops, virtual financial consultories, and corporate ESG training programs, plus an online solidarity store (Tienda Solidaria) showcasing products made by its borrowers.

Product overview

Impulso Microfinanzas para el Desarrollo is an NGO providing solidarity microcredits inspired by the Grameen Bank methodology, combined with financial education and entrepreneurship support. The core offering consists of Microcréditos Solidarios for business development and housing improvements, complemented by the Programa de Educación Financiera y Emprendedurismo. Additional programs include the Consultorio Financiero virtual advisory service, Masterclass de Inversiones investment education, and Colaboradores con Impulso corporate wellness. The organization operates through Banquitos (community group meetings) in vulnerable neighborhoods, with a Solidarity Store supporting entrepreneurs. All services target financial inclusion for populations excluded from formal banking.

Differentiator

Problem solved

Functional benefit

Products and services

• Microcréditos Solidarios (Solidarity Microcredits) Small solidarity-guarantee loans (average ARS 281,500 in 2024) granted to informal entrepreneurs and vulnerable families in Argentine neighborhoods for business development, working capital, equipment purchases, or housing improvements, with no payslip or collateral requirements. Distributed through Banquitos community group meetings using a Grameen Bank-inspired methodology.
• Programa de Educación Financiera y Emprendedurismo (Financial Education and Entrepreneurship Program) Structured educational program providing workshops, talks, and practical training on personal finances, business management, budgeting, investments, and credit, designed for vulnerable populations but open to the broader community. Delivered in person and in partnership with entities such as the Buenos Aires City government.
• Consultorio Financiero (Financial Consultory)
• Masterclass de Inversiones (Investment Masterclass) Free online investment education program teaching the basics of investing, savings versus investment, financial planning, and investment tools such as virtual wallets, fixed terms, and mutual funds. Open to the community and delivered through virtual sessions.
• Banquitos (Microcredit Group Meetings) Community-based group meetings where microcredit recipients gather regularly for loan disbursement, repayments, financial guidance, and peer support. Active in neighborhoods including El Faro (San Miguel), Ing. Allan (Florencio Varela), Agustoni (Pilar), Trujui (Moreno), and La Reja Grande.
• Colaboradores con Impulso Corporate wellness program offering financial education workshops for company employees, with every training session converted into a microcredit for vulnerable entrepreneurs, aligned with ESG, sustainability, and corporate HR objectives.
• Tienda Solidaria (Solidarity Store) Online store platform featuring products from entrepreneurs supported by Impulso's microcredit program, providing additional income generation and market access for vulnerable entrepreneurs.

Quantifiable outcome

• 450+ people have received one or more microcredits
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and minor.

• RADIM (Red Argentina de Instituciones de Microfinanzas)coreStrategic or Co-development Partner · 1 January 2023Impulso became a member of RADIM in 2023 and joined its Board of Directors (Comision Directiva) in 2024 as Vocales. RADIM is an Argentine network that strengthens the microfinance sector and advocates for solidarity microcredits as a tool to combat poverty.
• BrubankcoreStrategic or Co-development PartnerStrategic ally (Aliado con Proposito) that provides financial education workshops and talks for neighbors in vulnerable neighborhoods, particularly during Financial Education Month.
• Nacion Seguros (Banco Nacion)coreStrategic or Co-development PartnerStrategic ally providing accessible micro-insurance products including tool insurance, funeral coverage, personal accident insurance, and life insurance to microcredit recipients and community members.
• MHouseminorStrategic or Co-development PartnerListed as a strategic ally supporting Impulso's mission.
• Fundacion Potenciar SolidariocoreStrategic or Co-development PartnerThrough ONGs Potenciadas and Potenciar Lideres programs, Impulso receives training, networking opportunities with other organizations and companies, and participates in monthly leadership meetings.
• Junior Achievement ArgentinaminorGTM or Marketing PartnerOne of the world's largest NGOs providing financial education programs; Impulso directs entrepreneurs to their Maneja tu Plata (Manage Your Money) program as a resource.
• NilusminorGTM or Marketing PartnerPlatform offering Mercadito virtual store allowing people to earn commission selling supermarket products to family and neighbors without initial investment.
• AyniminorStrategic or Co-development PartnerPlatform connecting NGOs, companies, and individuals in a collaborative ecosystem. Impulso announced a new alliance with Ayni in 2025.
• RACI ArgentinaminorGTM or Marketing PartnerOrganized the Dia de las Buenas Acciones Fair where Impulso participated alongside 50+ NGOs to showcase social impact work and raise awareness.
• AEDROS (Asociacion de Ejecutivos en Desarrollo de Recursos para Organizaciones Sociales)minorStrategic or Co-development PartnerProfessional association that helps Impulso professionalize its fundraising systems, ensure transparency in resource management, and exchange experiences with other organizations.
• Gobierno de la Ciudad de Buenos Aires - Subsecretaria de Desarrollo del Potencial HumanocoreStrategic or Co-development PartnerThrough a convention with the Ministry of Human Development and Habitat, Impulso provides financial education, costs and budgeting, business models, social media, and photography training to entrepreneurs, along with financial, accounting, and commercial advisory services. Over 200 entrepreneurs received diplomas.
• LadyAhorrominorGTM or Marketing PartnerFinancial education ally that co-hosts financial education events and consultancies with Impulso, specializing in making finance accessible to underserved populations.
• Fundacion Horizonte de MaximacoreOthersImpulso is a social enterprise of Fundacion Horizonte de Maxima (Legal Name: Fundacion Horizonte de Maxima, CUIT: 30-71516689-1), which provides institutional backing and legal status.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• FINCA International: FINCA provides group-based microfinance and financial services to low-income entrepreneurs in multiple markets. Its customer focus and solidarity-lending model are closely comparable to Impulso’s core offering.
• Grameen Bank: Grameen Bank pioneered group-based joint-liability lending for low-income borrowers and is the closest methodological analogue to Impulso’s Banquitos. It operates at substantially greater scale and institutional breadth.
• Opportunity International: Opportunity International provides microfinance and business training to entrepreneurs and small businesses in underserved markets. It is comparable to Impulso on mission, target customers, and the pairing of credit with capability-building services.

Broad incumbents

• BRAC: BRAC operates a large-scale microfinance and poverty-alleviation program alongside broader development services. It is a broad incumbent comparator for Impulso’s community-based lending and integrated beneficiary support.
• Accion International: Accion partners with and invests in financial institutions serving low-income customers and advances inclusive finance globally. It is a broad incumbent and ecosystem peer rather than a direct local group lender.

Emerging players

• Kiva: Kiva is a digital crowdfunding platform that channels individual capital to microfinance borrowers and institutions. It overlaps with Impulso’s financial-inclusion mission and microcredit activity, but its marketplace and online distribution model differs from neighborhood group lending.

Regional players

• Pro Mujer: Pro Mujer combines women-focused microfinance with financial education and complementary support services across Latin America. It is comparable to Impulso’s women-majority borrower base and integrated support approach, although its geographic footprint is broader.
• BancoSol: BancoSol is a Bolivian microfinance bank focused on microentrepreneurs and small businesses. It provides a relevant regional reference for Impulso’s microenterprise and housing microcredit activities, despite operating in a different country and as a regulated bank.

Others

• Oikocredit: Oikocredit is a global social-impact investor that provides capital to financial-inclusion and microfinance institutions. It is an enabling capital peer rather than a direct competitor.
• Women’s World Banking: Women’s World Banking expands women’s access to finance through institutions, research, and technical support. It is an adjacent ecosystem peer because Impulso also has a predominantly women borrower base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ImpulsoMicrofinanzas
• LinkedInlinkedin.com/company/impulso-microfinanzas-para-el-desarrollo
• Instagraminstagram.com/impulso.microfinanzas

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 Impulso Microfinanzas para el desarrollo