We offer our partners two complementary modes of intervention

  • Financial support which, depending on needs and contexts, can take the form of a minority shareholding, a loan or a guarantee, in euros, dollars or local currency.
  • Tailor-made support for issues of governance, strategy, management, training, social and environmental performance, support for certification of agricultural production chains, finding commercial outlets, etc. This support is provided directly by the team and volunteer consultants, or indirectly through technical assistance missions carried out by third parties.

Supporting financial inclusion

SIDI's selection criteria

SIDI invests in Microfinance Institutions (MFIs) of all sizes and legal forms, mainly in consolidation, whose social approach it shares. It also works with funds and refinancing institutions to achieve a larger-scale impact and serve micro-enterprises and VSEs.

The institutions we finance are characterized first and foremost by their mission, which must focus on the economic and social strengthening of their customers. They also stand out for :

  • targeting rural populations and/or those with little or no access to financial services; a specific approach targeting women and young people is strongly emphasized
  • priority given to financing income-generating activities, particularly agriculture
  • majority local shareholding and governance.

Financial criteria :

  • Has been in business for at least 2 years, backed by audited financial statements and the necessary licenses
  • A capital adequacy ratio in line with regulations
  • ROA between -10% and +10% with a positive trend if <0%.

Financing terms and conditions

Loans

  • Amount: between €150,000 and €1,500,000, with possible leverage through partner funds such as FEFISOL
  • Financing: in dollars, euros or local currency
  • Duration: up to 3 years

Acquisitions of equity interests

  • Amount: up to 1,000,000 euros
  • Minority shareholding and possible involvement in consortia with other investors sharing our objectives
  • Duration: minimum 5 years
MFI financing application

Supporting agricultural sectors

SIDI's selection criteria

We work with producer organizations (POs) and agricultural enterprises whose main purpose is to produce, process or market the agricultural products of their members or beneficiaries.

Characteristics of POs financed by SIDI

Mainly sourced from family farms

  • Tangible business opportunities on local or export markets with high added value for producers (fair trade certification is a plus).
  • Respect for the environment by promoting agro-ecological practices (organic farming certification is a plus)
  • Shareholding and governance with a local majority

Financial selection criteria :

  • Has been in business for at least 2 years, backed by audited financial statements and the necessary licenses
  • Positive shareholders’ equity
  • Minimum annual sales equivalent to 400,000 euros

Financing terms and conditions

Two types of loan

Campaign loan :

Subject: Pre-financing of agricultural campaigns
Duration: up to 18 months
Guarantees: endorsement of purchase contracts from recognized customers

Investment loan :

Purpose: equipment acquisition or infrastructure investment

Giving preference to partners with a credit history with SIDI

Duration: 2 to 5 years

Collateral: pledging of real estate assets

  • Amount: from 100,000 to 1,000,000 euros, with the possibility of leverage through partner funds such as FEFISOL
  • Financing in dollars, euros or local currency

Equity investments in social enterprises

  • Amount: up to 500,000 euros
  • Minority shareholding and possible involvement in consortia with other investors sharing our objectives
  • Duration: minimum 5 years
Application for sustainable agriculture funding