Financial inclusion

Kenyan man on his smartphone

Over two billion people are excluded from or underserved by financial services. Lenders often see poor populations as high risk — with low potential for profit. As a result, there are limited opportunities to access financial services and growth for the people who need it the most.

When people can access a range of financial services, they are better able to absorb financial shocks, manage risks, and start and expand businesses. This access allows them to adapt to change and transform their lives.

  • 132k

    people we helped access financial education in 2017
  • 73k

    entrepreneurs in Indonesia we've helped access financial services
  • 500k

    small farmers in Kenya with our digital financial services
  • 100k

    Nepalese we've provided with financial literacy training


That’s why Mercy Corps works to increase access to financial services and products. While financial inclusion is not a solution in itself, it is an essential tool in reducing poverty and achieving inclusive economic growth.

Depending on the needs of the market, our programmes leverage a range of strategies to broaden financial inclusion. In some cases, we work with financial service providers to expand their loan services to fit the needs of small-holder farmers. In others, we provide more active support with strategies like smart subsidies that help entrepreneurs prove business viability. The result opens up a new world of prosperity, stability and possibility.

For more technical details on our financial inclusion programs, please download our approach document.