Lend to help more

By funding a loan, you are helping a marginalised woman to build her livelihood. When your loan is repaid, you can choose to help again, and again. 

 

Make a real difference with a Good Return microloan

With your support, we work with local microfinance partners to support women entrepreneurs in the Asia Pacific.

In the countries where we work, women face many disadvantages. Often lacking the same paperwork as men, many women cannot access formal finance. This is compounded by discrimination in the financial sector towards women. Girls are also pulled out of education at a younger age, missing out on the opportunity to learn financial skills. 

Our microloan program empowers women by supporting their businesses and providing them access to finance. We work with local partners to provide women entrepreneurs with responsible loans, and we also train our partners to provide financial literacy training in the community and to improve their services for disadvantaged clients. 

By becoming a lender, you will make a real difference in the life of a woman. Recycle your loan, and your impact will grow. 

How to become a lender

 

You make the loan

The microloan goes to our in-country partner

The partner provides the loan to a local entrepreneur

The microloan is repaid

You can choose to re-lend to another entrepreneur

 

Meet our entrepreneurs

  • Sopheap | Recycler

    Sopheap's (24) business buying and selling recycled materials not only brings in vital income but is helping to reduce waste in her local area. With a loan she can increase her stock - a boost in working capital will really make a difference to how much material she can recycle and sell. Sophia’s main goals are to inprove her profits so that she can renovate her house and send her only child to school.

    Lend now

  • Ret | Farmer

    After running her farming business for 16 years, Ret (63) is certainly an experienced business woman. Despite this, women like Ret are left out of the larger and traditional banking system. With a microfinance loan, Ret can purchase piglets and pig feed and grow her farm. Her long term goal is to improve her house for herself and her husband who is a construction worker.

    Lend today

  • Muhamad | Farmer

    Meet Muhamad Thohir, a 24-year-old farmer from Nanggung, West Java, Indonesia. Muhamad has applied for a loan to help him fund his chili pepper cultivation and expand his business. His ultimate goal is to improve his family's economic situation and own a home of their own. Muhamad faces many challenges in his farming business. The high-intensity rains often lead to the spread of pests and diseases, which can harm his crops. To prevent these issues, Muhamad must be diligent in his pest management efforts and adapt his farming techniques to the local climate. With the right support and resources, Muhamad is confident that he can overcome these challenges and continue to grow his business for many years to come.

    Lend today

Your microloans = real impact

10,000

Entrepreneurs funded

96%

Women

100%

Loans repaid

Our Partners

Chamroeun Microfinance

Chamroeun Microfinance improves the livelihoods, skills, and self-confidence of poor families in Cambodia by providing responsible microfinance and socio-economic services. 

St. Elizabeth Community Development Program

Our partner in the Philippines is the St. Elizabeth Community Development Program, an NGO that focuses on enterprise development and helping their clients become self-reliant economically.

CROWDE

CROWDE is an innovative fintech in Indonesia, building skills and opportunity in agriculture. They provide loans and technical support to farmers in low-income communities.

FAQs

  • Yes, our field partners charge interest on loans to their borrowers. It is a costly process serving clients in rural, often remote communities and for a financial services provider to remain solvent, it must earn a margin over its cost of funds. Loan charges vary between different countries. While they are higher than what we are used to in Australia, Good Return won’t collaborate with partners who charge what we consider to be unreasonable rates.

  • We disburse your funds (as a 12 month interest free loan) to each MFI at the start of every quarter. This means you can expect to be repaid 12 months after the end of the quarter in which you made your loan. So, if you’ve made a loan in February (Q1), you can expect to be repaid by the end of March (end of Q1) in the following year.

  • We work with local financial service providers and microfinance associations which serve low-income individuals. We only work with partners who share our commitment to transparency. Our initial due diligence and training visits to field partners reinforce this mutual set of values. Each partner has their own lending criteria for approving loans, and will screen applications against these. The MFI then makes its credit decision on the loan. Good Return is not involved in this process. However, we review all clients that appear on our website to satisfy ourselves that they meet appropriate business standards.

  • Because loans are issued in the local currency of the entrepreneur, the amount available will be adjusted based on any foreign exchange gain or loss incurred.