CapPlus equips financial institutions in emerging economies to deliver finance profitably for social impact.

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Transforming financial markets to expand access to quality education

CapPlus’ Education Markets Impact Initiative (EMII) unlocks the education finance market, while using finance to drive access to improved education quality, benefitting 5 million children in sub-Saharan Africa. Eleven financial institutions in five sub-Saharan cities have already signed MOUs to participate.

Private schools represent a $4.5 billion market potential for credit, based on CapPlus’ extensive research in seven cities and DEEPEN’s research in Lagos.

Read more about EMII, including CapPlus’ original research on the low-fee school sector.

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Financial Institution Resilience and STrengthening (FIRST+)

Catalyzing systemic change to accelerate job creation in Ghana through small business growth powered by access to finance

Through FIRST+, CapPlus applies an ecosystem development approach to address the underlying challenges that inhibit financial institutions’ lending to small businesses, partnering with them to change mindsets, implement proven methodologies and practices, and tailor financial services for women and youth, with a focus on the agricultural sector. CapPlus employs change management principles while bringing best-in-class expertise and systems to profitably increase lending to underserved small businesses, the largest creators of jobs in Ghana.

FIRST+ is led by CapPlus in partnership with the Bank of Ghana, Ghana Microfinance Institutions Network (GHAMFIN), and the Mastercard Foundation.

Read more about FIRST+

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disbursed by clients in 13.4 million loans to MSMEs


of clients increased lending to women

Developing a New Business Model for Serving MSMEs

Khushhali Bank Limited, Pakistan

Based in Islamabad, Khushhali Bank Limited (KBL) is the largest microfinance bank in Pakistan, with 118 branches throughout the country serving almost 500,000 borrowers. KBL was founded in 2000 as part of the government’s Poverty Reduction Strategy and Microfinance Sector Development Program, specifically to act as a catalyst in stabilizing the country’s newly formed microfinance sector. CapPlus is KBL’s partner in supporting its transformation into a full service MSME bank.

CapPlus worked with KBL to create and launch an MSME pilot program – it is now KBL’s fastest growing, high-quality portfolio.

CapPlus was an active partner in designing new products, establishing procedures, and implementing a recruitment strategy to attract the best-qualified loan officers to support the bank’s growth. The CapPlus team worked with KBL to develop a capacity building plan focused on the MSME business pilot, while also examining branch operations, operational efficiency, credit risk management, IT, human capital, branding and marketing, and communications. CapPlus continues to work with KBL in these areas through a long-term technical assistance plan.

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Maintaining Growth through Technology

Reliance Financial Services, The Gambia

Founded in 2006 by three Gambian professionals, Reliance Financial Services (RFS) operates as a savings-led financial company deeply committed to the development of the Gambian people. To provide financial services to the “average Gambian,” especially those at the base of the economic pyramid, RFS, with CapPlus support, began serving small businesses soon after its founding and it proved to be a profitable and fast growing segment.

A technology plan developed by the CapPlus team guided RFS through a successful IT system conversion that was critical to supporting the institution’s growth. By following the detailed roadmap to set up in-house IT capacity, RFS is now able to manage its IT infrastructure, assets and activities effectively.

CapPlus assisted RFS in an IT system conversion and strengthening of its IT department, working to identify overall business objectives, current levels of IT capabilities, and risks associated with the upgrade of the core banking solution. A CapPlus banking expert provided guidance, oversight and implementation support for the IT department, including annual planning and budgeting, asset management, data management, and security.

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Seizing Opportunities to Serve SMEs

IDLC Finance Limited, Bangladesh

IDLC Finance Limited (IDLC) was created in 1985 as the first leasing company in Bangladesh. It is now the largest multi-product, nonbank financial institution in the country, with two subsidiaries on the Dhaka stock exchange, more than 20 branches, and 800 employees. IDLC focuses on the corporate, retail, and SME sectors with aggressive growth plans to be the leader in SME finance in Bangladesh. CapPlus conducted a diagnostic, which served as the basis for a long-term implementation plan to achieve IDLC’sambitious targets.

IDLC is now following a comprehensive roadmap to implement the changes necessary to make SME finance its leading business line. Management wholeheartedly acknowledges CapPlus’ role in assessing its strengths, challenges and opportunities, as well as providing guidance for addressing weaknesses and taking advantage of market opportunities.

CapPlus conducted a small business banking diagnostic to identify high impact opportunities for improvement. The diagnostic is a comprehensive assessment tool that analyzes the drivers of SME Banking success and overall strategic and operational improvements that are necessary to successfully serve small businesses.

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Case Study: New Market Research

Financing Low-Cost Schools: the Market Opportunity in Abidjan, Côte d’Ivoire

CapPlus’ research into the market potential for financing low-fee private schools as an impactful SME sector continues, this time in Abidjan, Côte d’Ivoire. We thank UBS Optimus for funding this original field research and are pleased to share our new report: Banking on Education in Abidjan. Abidjan’s private schools educate 54% of the city’s school children, including 70% of secondary school students – significantly higher than we’ve seen in other cities due to the government’s decision to partner with private schools to educate secondary students. As in other cities, the market is growing: 7% per year for the past 20 …

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For nearly two decades, CapPlus has been reducing poverty by expanding and strengthening financial institutions’ services to small businesses.

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