Issues we address
Income and employment among those living in poverty with a focus on rural communities, especially in the Pacific
The rising demand to finance the ‘missing middle’ (businesses that are too large for microfinance, too small to attract bank finance), with a non-exclusive focus on agricultural enterprises
Local banks not adequately serving this segment of the market due to risk, difficulty to assess and perceived low return
The gender lens investment approach, which can achieve social impact as well as improved sustainability of businesses
Key Investment Criteria
Social impact: the business demonstrates a positive social impact in generating employment opportunities for low-income communities, as well as a commitment to addressing issues of gender inequality.
Track record: the business must have been in operation for at least 2 years and demonstrate capable management.
Financial capacity: the business earns sufficient revenue to cover all expenses within 3 years and demonstrates capacity to service any borrowings.
Legal identity: the business must be a legal entity (separate from the entrepreneur) with a clear ownership structure and capacity to take on debt and enter into legally binding contractual agreements.
Licensed: the business must be licensed by the relevant government authorities.
Do no harm: the business must have an ethical philosophy, and no material negative social, environmental or health impacts.
Investment amount and term: The amount of any single investment is generally between AUD25,000 and 250,000. Investment term is generally 3-5 years