The objective of the 4 year Project financed by the German Kreditanstalt für Wiederaufbau (KfW) Development Bank is the promotion of the MSME related finance sector in Yemen and the support of the Yemenite Small & Micro Enterprise Development (SMED) Unit under the Social Fund for Development in this regard.

Under the management and technical assistance of LFS, AccessBank Tanzania (ABT) has embarked on an ambitious digitization journey since 2012 when the bank won a large grant from the MasterCard Foundation.

The aim of this Project overall is to prepare FONDEP for its eventual transformation into a regulated, for-profit institution.

For SANAD Fund for MSME (SANAD) the LFS conducted a market analysis, assessing both the demand and supply side of Very Small Enterprise (VSE) financing in Morocco.

The workshop aims to provide to Iraqi Banks and SME / Business Development Centres (BDS) insight into the technical features and the overall success factors of commercial SME finance; narrow the SME finance demand-supply side gap and give interested Iraqi banks on an individual basis a first orientation on how to implement an SME finance strategy.
 

EBRD’s North Caucasus Development Initiative was an institution building project implementing lending to micro, small and medium enterprises (MSME’s) in the North Caucasus Federal District of Russia (NCFD).

From 1997 to 2007, LFS managed the transformation of a microfinance project in Mozambique into a non-bank financial institution.

To support the reconstruction of Bosnia’s economy, in 1998 KfW, the European Union and other donors launched the Housing and Construction Loan Programme (HCLP) and the Small and Medium Enterprise Fund (SMEF).

LFS assisted three commercial banks in building up micro lending departments in a limited number of regions, whereas the Partner Banks provided the necessary refinancing.

LFS was commissioned by KfW to conduct a study on the financial sector of Vietnam. The study included the development of project options and a financial sector strategy for KfW.

LFS carried out a study on the Argentinean microfinance sector. The objective of was to assess the feasibility of the establishment of a commercially oriented microfinance institution in Argentina.

In January 2001 GTZ contracted LFS for carrying out the project progress evaluation of the TA project “Promotion of Micro and Small Enterprises (MSEs)”, component “Financial Services for Micro and Small Enterprises (MSEs)”.

To support the reconstruction of Serbia’s economy, in 2002 KfW, the German Ministry of Development Co-operation and other donors launched the European Fund for Serbia (EFS).

LFS was commissioned by KfW to carry out a review of the micro and SME finance sector of the Philippines.

LFS was commissioned by GTZ to advise the Uganda Institute of Bankers (UIB) in setting up a Microfinance Competence Centre (MCC).

AccessBank Azerbaijan (ABA) was founded in late 2002 as the Micro Finance Bank of Azerbaijan.

LFS was commissioned by KfW to support three Kazakh banks in their MSME finance activities.

LFS’ services comprised credit advisory and institution-building services, learning and development, strengthening of the bank’s internal audit and control functions, and developing and implementing a MIS for handling and managing respective loan portfolios and assistance in their processing.

LFS managed the MSE downscaling project Tajikistan Micro and Small Enterprise Facility (TMSEF) and gained extensive country and market experience in Tajikistan.

KfW commissioned LFS and three independent experts to prepare a strategy for the Senegalese-German Development Cooperation.

In April 2003 KfW commissioned LFS to carry out a feasibility study for a credit guarantee fund for microfinance institutions (MFIs) and MFI refinancing institutions in Ghana.

The Nepali government and the Asian Development Bank approached LFS to assess the SME situation in the country.

LFS, on behalf of KfW, carried out two feasiblitity studies on the Indonesian SME finance sector.

KfW Development Bank commissioned LFS to implement a microfinance training and institution building project at the non-bank financial institution in Mongolia, in connection with a credit line.

LFS was commissioned by KfW to prepare a feasibility study for an MSME Financial Sector Promotion Project to be implemented with various Honduran MFI’s.

LFS finalised the feasibility study and the five-year business plan for a greenfield microfinance bank in Madagascar, AccèsBanque Madagascar (ABM).

LFS Financial Systems was contracted by the European Fund for Southeast Europe (EFSE) in order to provide technical support to two rural Romanian Microcredit Organizations (MCOs).

EFSE provided Moldova Agroindbank (MAIB) with a TA package in order to develop an adequate MSE lending approach for entering micro and small business lending.

LFS was commissioned by the IFC to assist a partner bank in Malawi to develop and extend financial services to Small and Medium Enterprises.

In 2007, LFS was commissioned by EBRD to support a partner bank in Armenia in mortgage lending.

To serve the MSE sector in Trinidad and Tobago’s fast-growing economy, the client bank considered establishing an MSE finance subsidiary.

AccessBank Liberia (ABL) was established by LFS together with its strategic investor AccessHolding.

LFS carried out a feasibility study for a greenfield microfinance institution (MFI) in Senegal.

AccessBank Tanzania (ABT) was established in 2007. Its shareholders are AccessHolding, African Development Bank (AfDB), Belgian Investment Company for Developing Countries (BIO), the International Finance Corporation (IFC) and the German Development Bank (KfW).

The South African subsidiary of Commerzbank AG (one of Germany’s largest commercial banks) commissioned LFS Financial Systems to assess the feasibility of establishing a new specialised microfinance institution (MFI) in South Africa.

LFS supported one of the largest NGOs in the Colombian microfinance sector in its intention to transform itself into a regulated financial entity.

LFS provided SME lending support to a commercial bank in Saint Lucia. When the assignment started, the Bank had no well defined SME finance business line. Instead, it carried out SME lending through its retail and corporate departments.

IFC and BIO commissioned LFS to conduct a feasibility study for a microfinance intervention in Burundi.

LFS carried out a feasibility study for a Greenfield Microfinance Insitutions (MFI) in North-East Brazil.

IFC commissioned LFS to assist two regional MFIs in Peru in the implementation of a home improvement loan product for the low-income population.

In late 2008, IFC and BIO commissioned LFS to conduct a feasibility study for microfinance interventions in Rwanda.

AB Microfinancebank Nigeria was established by LFS in 2008, after having conducted a feasibility study and having brought together a number of co-investors and technical assistance financiers.

LFS was commissioned by the IFC to support a Microfinance Bank in Indonesia in its objective of becoming an efficient, large-scale MSME bank.

Our partner bank is a medium sized bank headquartered in Andijan, and, under this programme, the bank received intensive technical assistance from LFS.

LFS was commissioned by KfW to carry out a feasibility study for a Rural Finance Program in Kyrgyzstan.

JNSBLL is the largest microfinance provider in Jamaica with a share of more than 50percent in the domestic microfinance market.

AccèsBanque is the first MFI with banking license in Madagascar. Its shareholders are AccessHolding, IFC, KfW, the Triodos-Doen Foundation and BFV-Société Générale. AccèsBanque first developed its activities in urban and semi-urban areas (Antananarivo and Antsirabe) and is now expanding its branch network into the rural areas of Madagascar.

LFS was commissioned by IFC to prepare a feasibility study for microfinance interventions in Papua New Guinea, Timor-Lest, the Solomon Islands, Fiji and Vanuatu.

LFS was commissioned by IFC to prepare a feasibility study for microfinance interventions in Papua New Guinea, Timor-Lest, the Solomon Islands, Fiji and Vanuatu.

LFS was commissioned by the European Fund for Southeast Europe (EFSE) to conduct a Feasibility Study for the transformation of a rural microfinance institution (MFI) into a deposit-taking institution.

LFS was commissioned by IFC to prepare a feasibility study for microfinance interventions in Papua New Guinea, Timor-Lest, the Solomon Islands, Fiji and Vanuatu.

LFS was commissioned by IFC to prepare a feasibility study for microfinance interventions in Papua New Guinea, Timor-Lest, the Solomon Islands, Fiji and Vanuatu.

One of the largest microfinance providers in Guatemala is considering converting from an NGO into a regulated or unregulated financial entity, with the possibility of obtaining a banking license in the medium term.

The Programme was composed of a EUR 12.3 million credit line for MSME financing, a EUR 5 million credit line for mortgage financing, and technical assistance.

In view of recent changes in the political environment of the MENA region LFS prepared feasibility studies for microfinance interventions in Egypt, Jordan, Morocco and Tunisia.

KfW commissioned LFS (Consortium Leader) and FICHTNER (Consortium Partner) to carry out a study to analyse the EE potentials of industrial, commercial and residential buildings in Russia, to analyse the existing EE lending programs, and to develop proposals for new financing mechanisms for EE investments in the building sector that are economically feasible and efficient in terms of energy savings and reduction of CO2 emissions.

LFS was contracted by Asian Pacific Bank (APB) to assist the institution in strengthening its capacity to assess and monitor the risk related to lending to SMEs in line with best international practice and taking into account the Russian environment.

With 80 percent of the Malagasy population living in non-urban/remote areas of the island and existing bad infrastructure conditions in Madagascar the existing branch network is not enough to provide for convenient banking both for the existing and potential client base. Therefore the access to financial services for the majority of the Malagasy population still remains a challenge.

LFS was commissioned by KfW to carry out an Option & Design Study for an SME finance project to be implemented in the framework of Syrian-German Financial Co-operation.

AB Bank Zambia (ABZ) opened its doors in October 2011 and is the seventh member of the AccessBank network. It was founded by AccessHolding in collaboration with four of its longstanding partners: KfW Development Bank, the International Finance Corporation, the Dutch development finance institution FMO, and the Belgium-based Impulse Microfinance Fund.

LFS carried out an institutional capacity assessment of the partner bank, assessed the MSME lending operations of the bank and undertook research on the demand and supply of financial services in Sudan.

LFS was assigned to carry out this evaluation in two of AIB’s branches, namely Erbil and Sulaymanyah.

LFS was contracted by IFC to assist FUNDESER, the second largest MFI in Nicaragua, to improve its credit risk management systems and processes.

The project focused on exploring whether market conditions were conducive to setting up an MSME greenfield bank.

LFS is pleased to announce the creation of its eighth network bank, AB Bank Rwanda (ABR).

The purpose of the project was to prepare the ground for a detailed feasibility study for founding a commercial MSE finance institution in Myanmar.

EBRD commissioned LFS to support one of the leading MFIs in Jordan and the MENA region.

SANAD Fund for MSME commissioned LFS to implement a feasibility study and develop a business plan for a financial institution in Egypt.

FMO asked LFS to support them in the overall institutional strengthening of a microfinance institution in Zimbabwe.

LFS participated in hosting a workshop for Jordanian commercial banks on the subject of SME lending.

Draw up of a comprehensive diagnostic study of the MSME access to finance in Kazakhstan and review the MSME lending practices in the EBRD partner banks and MFIs under the new Framework Facility.

Mission to analyse the status quo of solar energy financing for residential, commercial and industrial clients in Tunisia and to offer potential solutions.

LFS was contracted by KfW to strengthen selected partner financial institutions’ abilities to evaluate credit risk in the rural sector, and to apply methods of risk mitigation specifically adapted to rural MSME lending in Peru.

LFS was commissioned by KfW to conduct a sector wide analysis in Cameroon, with the objective of analysing the rural financial sector and creating detailed recommendations on potential financial sector interventions.

IFC approached LFS to assist an MFI in Myanmar to evaluate the microfinance business plan of the institution.

SANAD has commissioned LFS to support a company in its greenfielding MSME finance activities by providing management support during the launch and the expansion of the company.

USAID LENS is actively supporting the microfinance sector in Jordan to build its capacities, enhance its competitiveness, and increase the sector’s financial inclusion of different client segments to enhance their living standards through involvement in producing economic activities.

LFS has been hired by a financial institution to develop its credit risk management and agent model for agriculture finance and MSE finance.

LFS undertook a comprehensive gap analysis of the MSME lending practices in a leading bank in Kyrgyzstan in order to assess the current deficiencies.

Based on the results from a previous project in 2015, IFC commissioned LFS to further support the development of an MFI in Myanmar by ‘Strengthening Head Office functions and developing credit policies plus a framework for future design of credit products’.

Together with Threshold Software Solutions, LFS developed and implemented a knowledge management tool, which is fully customized to the needs of the customer, reflecting all the banks’ SME lending workflows, assessment details, decision-making processes and monitoring processes.

LFS has been awarded by the Islamic Development Bank to implement the following project: Document Feasibility Study on the Islamic Development Bank Microfinance Development Program for Afghanistan.

The objective of the market study was to assess the existing microfinance sector in Gambia and suggest a suitable intervention model for a Development Bank, also in regard to Islamic Finance.

KfW contracted LFS to develop a deposit mobilization strategy for a leading MFI in Kenya and to design deposit products using alternative delivery channels.

LFS was invited to conduct a feasibility study for a SME bank in a small country in Southeast Asia.

Financed by a TA facility of the responsAbility Energy Access Fund, managed by responsAbility, LFS is providing technical assistance to one of the largest off-grid solar companies in Ghana.