Take part in the second edition of the Certificate in Law and Regulation of Inclusive Finance!

O Minaire ADA 16 01 2017 09

Launched in January 2017, the Certificate in Law and Regulation of Inclusive Finance is a joint project of the ADA Chair in Financial Law (Inclusive Finance) at the University of Luxembourg’s Faculty of Law, Economics and Finance, with ADA and the European Investment Bank Institute.
Entering its second edition in 2018, the programme is aimed at regulators, intermediaries and other inclusive finance organisations. 

The programme aims to raise awareness on the topic of law and regulation in the inclusive finance sector, enable an exchange with regulators and financial intermediaries and facilitate further academic and non-academic cooperation. Taught in four modules, the course comprises 72 Teaching Units over 10 days.

The programme is limited to a maximum of 25 qualified and motivated students from different backgrounds. They will be selected by the Course Director in cooperation with ADA.

Up to 50 percent of places in the programme will be granted to qualified students in need of financial assistance. These students will receive scholarships as well as travel and accommodation support for their stay in Luxembourg (application deadline: October 1, 2017).

The programme is seeking support from private partners in Luxembourg. Sending one participant whose full cost of tuition is paid by a private sponsor will help ensure funding of the programme for other students.
We welcome additional support by private partners to finance one or more scholarships of 6,000 euros each for students from developing countries.

More than 23 participants from different countries took part in the first edition of the Certificate in January 2017.

Download the flyer to learn more about the application process.


LMDF and Ville de Luxembourg presents The Impact Ecosystem

July 11, 2017, Luxembourg

 


SDG Lab: sustainable solutions for poverty reduction and community health in Africa

SDG Lab santé communautaire

July 6 and 7, 2017, Luxembourg

At a time when public health in many African countries is under threat, the PEARL Institute for Research on Socioeconomic Inequality at the University of Luxembourg, in collaboration with ADA Microfinance Luxembourg, is organizing a Sustainable Development Goal (SDG) Lab on July 6 and 7, 2017, in Luxembourg. This working group aims to collaboratively develop innovative solutions to complex challenges in sustainable development in the areas of microfinance and community health in Africa.

In search of sustainable solutions
In the context of a health crisis characterized by poor water quality and vector-borne diseases (malaria etc.), many young adults and professionals from the poorest African countries are seeking innovative economic solutions to develop their own businesses. Lack of clean drinking water and unimproved sanitation facilities put communities in dire need of finding sustainable solutions to improve community health.

The “Young Entrepreneurs” initiative
The “Young Entrepreneurs” initiative, set up by ADA, proposes a pilot economic innovation to respond to these problems. Thanks to the support of Microfinance Institution partners, this initiative has developped a range of financial services (loans, savings) and non-financial services (training, support) adapted to the needs of young entrepreneurs who wish to set up a project in Niger, Togo or in Rwanda. How can the sustainability of this initiative be ensured?

SDG Lab in response to the development of young entrepreneurs
On July 6 and 7, 2017, the PEARL Institute and ADA Luxembourg are organizing SDG Lab, a two-day social innovation workshop, to support the “Young Entrepreneurs” initiative. The workshop will provide concrete solutions to meet the sustainable development goals of poverty reduction and the provision of drinking water and sanitation for local populations.

A dual sustainable objective
The first objective of the SDG Lab workshop will be to ensure the sustainability of the “Young Entrepreneurs” initiative with the support of microfinance experts on the first day of the workshop.
The second objective will be to extend the initiative, in order to improve access to drinking water. Water experts will therefore gather on the second day of the workshop to explore the issues related to drinking water. They will then engage in discussion to propose innovative.

SDG Lab among the top 10 selected workshops
Future Earth and Stockholm Resilience Centre have recently called for applications to sponsor ten labs worldwide. The SDG Lab proposal was among the ten selected labs that will receive funding, out of a total of 331 applications.

The results of the workshop
ADA is convinced that SDG Lab will contribute to the search for solutions to reduce poverty and allow access to drinking water in Africa.
​The results will be presented to the participants at 4.00 p.m. at the end of the workshop, but also during several major events (Resilience 2017 Conference Stockholm, African Microfinance Week in Addis Ababa, Ethiopia, from 9th to 13th October 2017, Francophonie Parlementaire Conference). The results will also ultimately feed into the UN High-Level Political Forum 2018 on sustainable societies.

Participation in the workshop is reserved for experts, invited for the occasion by ADA and the University of Luxembourg.

__________________________

More information on SDG Lab : http://bit.ly/2nbb52u
You can also find the project’s description soon on futureearth.org


ADA at the European Microfinance Research Conference in Portsmouth

June 12 - 14, 2017, Portsmouth, UK

The conference is being organised by the University of Portsmouth in cooperation with e-MFP and the Centre for European Research in Microfinance (CERMi) with an overall theme of “Microfinance and Financial Inclusion”. 

150 proposals for papers have been received to date and over 200 participants are expected. Approximately 90 papers have been accepted to be presented at the forthcoming conference. The authors of these papers come from all continents and are mostly associated with academic institutions, including University of Agder, University of Berkeley, Frankfurt School of Business & Management, University of Geneva, Institute of Fiscal Studies London, University of Illinois, University of Oxford, University of Regensburg, University of Sussex, University of Zurich and many others.

The interest expressed by researchers confirms the role played by the conference as a unique platform to exchange ideas, build networks, give visibility to projects and identify new paths for research. As in previous editions of the conference, there will be a combination of plenary sessions and parallel sessions. Plenary sessions will include panels on strategy, gender, Islamic microfinance, digital financial services as well as future research in the area. Confirmed keynote speakers include James Copestake, Ariane Szafarz, Tyler Rye and Kimanthi Mutua.

The attendance of Mr Mutua, Founder and Director of SIDIAN BANK Kenya, was enabled by ADA, which is supporting the conference. Moreover, Prof. Dirk Zetzsche, Headholder of ADA Chair in Financial Law – Inclusive Finance in Luxembourg, will moderate the opening panel on Strategy and Regulation.    

The Fifth European Microfinance Research Conference will take place from 12th until 14th June 2017 at the University of Portsmouth. 


For more information, please visit the website of the conference.


Network Exchange Symposium – NEX

photoEscudo Palacio de Bellas Artes cdmex bellasartes2

June 5, 2017, Mexico City, Mexico

The Network Exchange Symposium – NEX

Since 2008, ADA has been organizing regional network summits. These workshops bring together partner and non-partner regional and national microfinance networks and professional associations.

The workshop is designed to showcase the experiences of professional associations from all continents. They will be invited to present their history, the challenges they met over the years, their relationship with their members and donors, their impact on regulation. The presentations will include discussions on their funding strategy, the evolutions of the sector and their members’ needs, and how they adapted their services, both commercial and non-commercial, accordingly.

Download the tentative agenda here:

The event will be organized on Monday, 5th June, in coordination with SPTF alongside their annual general meeting in Mexico.

In 2017, ADA decided to extend its network summit to have a wider outreach and impact by bring together networks and professional associations from all three continents.

Participants will include ADA’s partner and non-partner networks and professional associations to encourage a rich discuss on the current trends of the sector and the role of microfinance associations.

Please contact Ms. for more information.


Two Ministers of Luxembourg on a visit at the House of Microfinance!

MDD 8558

©InFiNe.lu

May 2, 2017, Luxembourg

On May 2, 2017, the Minister for Development Cooperation and Humanitarian Affairs (Luxembourg), Romain Schneider, and Minister of Finance (Luxembourg), Pierre Gramegna, visited the House of Microfinance in Luxembourg, which is celebrating its tenth anniversary this year.

Over the past two decades, Luxembourg, through the Directorate for Development Cooperation and Humanitarian Affairs of the Ministry of Foreign and European Affairs and the Ministry of Finance, has actively supported the sector of inclusive finance as a tool for the development and the fight against poverty. While more than 60% of microfinance assets are from the Grand Duchy and 30% of MIVs are housed in the country, Luxembourg has thus become an important international player in this field and remains firmly committed to supporting NGOs and institutions of the sector.

The visit was an opportunity for both ministers, Schneider and Gramegna, to meet with the responsible in the field and to renew Luxembourg's political and financial commitment to microfinance and inclusive finance.

The Minister of Finance, Pierre Gramegna, said: "I like this word of inclusive finance, because it implies to get on board our society".

During the meeting, the Minister for Development Cooperation and Humanitarian Affairs, Romain Schneider, stressed that "The money that is invested serves multiple products and honors the country". He also added that "at SAM 2015, I was able to measure the importance of Luxembourg for microfinance".

The press release is on the Ministry's website (in French only)


In Luxembourg, too, microfinance makes sense!

illustrat microlux 2

April 5, 2017, Luxembourg

Just a year after its creation, microlux, the first microfinance institution in Luxembourg, is pleased to invite you to its launch event in the presence of Her Royal Highness the Grand Duchess

François Bourguignon, Professor of Economics, Paris School of Economics and former Vice President of the World Bank, will address inequalities in Europe and Luxembourg.

Maria Nowak, founding president of the Association for the Right to Economic Initiative (ADIE), will show in this context the impact of microfinance in our developed countries.

A small film will present microlux and will give the floor to the promoters of projects that have received microcredit in Luxembourg and the volunteers who accompany them.

From 6:30 pm, we invite you to meet them with a drink.

  • WHEN: April 5, 2017, welcome from 16:30, start 17:00.
  • WHERE: at the auditorium of BGL BNP Paribas, 10 rue Edward Steichen, Luxembourg

Guests are requested to arrive 10 minutes before the start of the event.

microlux partenaires EN

BIL Conference: The Women Effect - Invest Differently

March 8, 2017

Conference - Save the date- 8 March 2017

Projection of the documentary “Microcrédit en 4L”

microcrediten4L 3

March 1, 2017, Luxembourg

An evening to discover the « Microcredit in 4L »

Take 25.000€ crowdfunded, 150 selected micro entrepreneurs, a Renault 4L car and 2 dreamers.

Mix it all and discover an around the world trip supporting micro and small businesses through microcredit!

"Microcrédit en 4L" features 9 Microfinance Institutions and about 50 supported micro-entrepreneurs in a documentary movie. Come, watch and meet the team on March 1st at 18:30 at Les Rotondes in Luxembourg. The event will be in French and a drink will be offered after the screening.

The event is organised by InFiNe.lu in collaboration with   

Watch the trailer of this incredible project!

Adress: 1, Place des Rotondes, L-2448 Luxembourg

For more information: InFiNe.lu | 39, rue Glesener L-1631 Luxembourg | | +352 28 37 15 09


In 2017, let's share our entreprenarial solutions

Season's greetings

Wishes 2016

Kashf Foundation, winner of the 7th European Microfinance Award "Microfinance and Access to Education"

Kashf Foundation, winner of the 7th European Microfinance Award

Kashf Foundation, winner of the 7th European Microfinance Award "Microfinance and Access to Education"

November 17, 2016, Luxembourg

The Pakistani Kashf Foundation was awarded the European Microfinance Award of €100,000 by the Luxembourg Ministry of Foreign and European Affairs in recognition of its credit facilities to low-cost private schools, at a ceremony held at the European Investment Bank in Luxembourg.

The 2016 Award honours a microfinance institution that has set up innovative solutions to enable access to education and professional training for young people and adults and, as a result, stimulate the creation of economic activities.

In a country where low-cost private schools are on the rise to fill the state school sector's lack of equipment and facilities, and where 25 million children are out of school, the Kashf Foundation provides more than simple loans to private schools. It also offers training for teaching staff and courses in school management.

The Award, which highlights the importance of having an innovative approach and structural impact, also acknowledges the creative use of both financial and non-financial tools to improve the quality of the social and economic life of families and communities.

It was its social and economic aspects and their direct impact on low-income families that caught the jury’s attention, as observed Her Royal Highness the Grand Duchess of Luxembourg, President of the High Jury: "Microfinance has always been and remains at the heart of my priorities. It breaks the vicious cycle of poverty and helps to restore people's dignity, because they not only receive a loan, but fore mostly the trust and backing of a financial institution. This will trigger a desire for education, which in return recreates a virtuous cycle. Beneficiaries of microcredits are indeed the first ones to be convinced of the importance of sending their children to school or to university.”

The Luxembourg Minister for Development Cooperation and Humanitarian Affairs, Mr Romain Schneider, expressed his pride in how the Award has extended across the entire sector: "While the success of the European Microfinance Award has already become a tradition, we have been impressed by the quality of the numerous projects we received, which proves that our continued support of microfinance and inclusive finance is bearing fruit. It has been particularly difficult to choose a winner this year. Kashf Foundation besides, the real winners of this evening are all the young people who, thanks to microfinance, have better access to education, a promise of a better brighter future.”

On the side of the European Investment Bank, President Werner Hoyer underlined the importance of microfinance in reaching the goal of universal education: “The European Investment Bank has longstanding experience in the field of microfinance, as well as its implementation in fostering education. Education plays a key role in our societies in giving people employment and dignity. Furthermore, education contributes to the development of a sense of civic responsibility and forms people’s collective and individual conscience. All three finalists are very much engaged in using microfinance to support access to education and it is therefore a shame that there can only be one winner.”

Kaspar Wansleben, Managing Director of the Luxembourg Microfinance Development Fund, which backs the work of Kashf Foundation, is delighted by this recognition: "We are proud that the work of Kashf Foundation, to improve the quality of basic education in Pakistan, is recognised by the European Award. We hope this accelerates the creation of links between microfinance and the education sector".


Universal Energy Access in Latin America

MES 2016 art

November 23 - 25, 2016, Medellin, Colombia

ADA sponsors the MES 2016 Conference featuring Universal Energy Access in Latin America. 

The MES conference 2016 will take place from 23 to 25 November at the Universidad Pontificia Bolivariana in Medellin in Colombia. The conference programme is a combination of expert presentations, specialized sessions, a day on entrepreneurship with a business plan competition highlighting ideas to reduce carbon emissions, as well as field visits to discover renewable energy projects in Colombia.

ADA organizes a specialized session about financial inclusion and environmental performance. The discussion and analysis will focus on the following themes:

  • Challenges and opportunities for providing access to finance clean energies in Peru.
  • The experience of ADA and REDCAMIF: an inclusive Green Finance Development approach in Central America
  • Lessons Learned from a Microfinance for Ecosystem-based Adaptation approach (MeBA)

The conference will provide participants with a platform where academics, private and public stakeholders, local entrepreneurs and international players can exchange lessons learned and successful experiences, as well as streamlining efforts towards a sustainable and scalable dissemination of decentralized energy supply in Latin America, particularly in Colombia.


ADA supports 3 African MFIs to participate in the Mastercard Symposium

Mastercard Symposium

October 20 - 21, 2016, Kigali, Rwanda

With the ever renewed commitment to share best practices in the microfinance sector with its partners, ADA has supported the participation and the travel of 3 partner microfinance institutions to the Symposium of The MasterCard Foundation. The event takes place on October 20 and 21 in Kigali, Rwanda.

The symposium program includes numerous sessions with international speakers who will discuss various aspects of the theme of this year: "customer centricity" in microfinance.

With the objective to strengthen its partners, 3 small MFIs have been selected to attend the symposium and trainings in Kigali:

  • Benin Micro Finance: This Beninese institution targets  mainly female customers.
  • ACEP Niger: This young dynamic MFI began operations 3 years ago and focuses on urban and suburban areas.
  • Première Agence de Micro Finance (PAMF) Côte d’Ivoire: You can read the collaboration story between ADA and PAMF in our Activity Report (p.9).

The latter institution is already recommended by investment services team of ADA and funded by  LMDF.  ADA is currently prospecting the two others MFIs.

For more information: http://mastercardfdnsymposium.org


ADA is part of the Financial Inclusion Week

Financial Inclusion Week 2016 Header

October 17 - 21, 2016, Luxembourg

In October, ADA will be actively participating in the second edition of the Financial Inclusion Week, an initiative of Financial Inclusion 2020, a research and advocacy project of the Center for Financial Inclusion (CFI). Its purpose is to deepen the shared understanding of the sector, identify where the gaps are and put in place a roadmap to overcome them. The event aims to promote financial inclusion and address the challenges it faces through a week of global debates and exchanges. Considering ADA is Luxembourg’s expert actor in microfinance, we are looking forward to this year’s event whose focus will be on mobile banking and “Keeping clients first in a digital world”.
Financial Inclusion Week will take place on October 17-21, 2016. During that week, ADA will organize 3 different events in Luxembourg that will invite an array of international speakers to present and exchange on a variety of topics relating the development of digital finance in microfinance around the world:

  • The 36th Midi de la microfinance et de l'inclusion financière will be held on 18th October from 12:00 to 14:00 in the Auditorium of la Banque de Luxembourg. Entitled “Mobile banking and microfinance: What about the clients?”, the panel discussion will focus on the role of customers in the development of digital microfinance with two international speakers: James Onyutta, CEO of Musoni Kenya, and Devyani Parameshwar, head of product development at Vodafone / M-PESA.
  • An exclusive evening dedicated to a new ADA project in mobile banking, to be held at the Casino Luxembourg - Forum d'art contemporain, on 18th October from 18.30 to 21.00 (by invitation only);
  • A symposium on the theme of innovation and technology for financial inclusion, entitled "Financial inclusion in the digital age", organized at the European Investment Bank, on 19th October from 8.30 to 17.30.

Our events will be one of many happening in countries across the world. Tweets and comments will be posted throughout the week on an interactive Financial Inclusion Week website, which can be found at www.fi2020week.org

More info: www.centerforfinancialinclusion.org/fi2020


ADA at the Boulder Microfinance Training!

boulder

July 15 to 5 August, 2016, Turin, Italy

For the second consecutive year, an employee of ADA was selected by Infine.lu to participate in the Boulder Microfinance Training, renowned in the microfinance sector.

Olivia Fechner, investment officer of ADA, will spend three weeks in Turin to improve her skills by following courses targeting different areas of inclusive finance.

For her first week, Olivia chose to participate in the rural and agricultural program to improve her ability to analyze agricultural risks linked to investment operations into very rural and agriculture oriented MFIs.

To learn more, follow Olivia's blog on the site of  Infine.lu.


Ecobank wins an award for financial inclusion efforts

Ecobank

May 25, 2016, Lusaka, Zambia

Ecobank was a key partner of the SAM 2015 edition in Dakar (June 29th to July 3rd 2015). The banking group based in Lomé (Togo) not only strongly supported the event but also took part in the sessions, met and networked with MFIs’ managers. 

About 10 months later, Ecobank’s commitment in financial inclusion is celebrated at the 10th edition of the African Banker Awards, held at Lusaka (Zambia). During the ceremony which gathered 400 professionals from banks and funds in Africa, Ecobank has received the Award for Financial Inclusion. The Award for Financial Inclusion is awarded to banks that have succeeded in delivering financial products and services to wider parts of society, particularly to the most disadvantaged and low in-come segments, ultimately contributing to financial inclusion, development and growth.

ADA congratulates warmly Ecobank Group and is proud to count the panafrican bank among its supporter for the next SAM.


Read the second issue of the "State of Microinsurance"

revue min 2016

The Microinsurance Network has launched the second edition of “The State of Microinsurance” magazine, an annual publication providing an insiders’ guide to understanding the microinsurance sector.

This year’s magazine includes insights and expert opinions by 22 authoritative voices in the field on topics such as product development, distribution and regulation.

Articles include insights on behavioural economics in microinsurance, an analysis on the contribution of insurance to capital market development, and a discussion on the need for benchmarking in microinsurance through key performance indicators.

For the first time, the magazine includes a debate on the role of private health insurance in achieving universal health coverage. With regards to agriculture insurance, one article features case studies demonstrating the concept of bundling with financial and non-financial services, whilst another focuses on non-climate risks affecting Sahelian livestock herders.

Interviews reported capture valuable insights from Democrance, RisKnoT, BIMA, Swiss Re and MicroSave. Contributions were provided by a number of key organisations active in the microinsurance space, including Cenfri, Inclusivity Solutions, MicroInsurance Centre, Abt Associates, the UK Royal Institute of International Affairs, Access to Insurance Initiative, MicroEnsure, Acting for Life, BRS, the ILO’s Impact Insurance Facility and of course ADA!

The publication can be downloaded at this link.


Apply for 7th European Microfinance Award 2016

mf award

The 7th European Microfinance Award, on the topic of Microfinance and Access to Education, is intended to recognise the role of microfinance in enabling access to education for children and/or skill-training for youth and adults to enhance their employment and self-employment.

The 2016 Award welcomes applications from institutions with initiatives that increase access to and quality of education for children, youth and adults by serving the needs of both students and schools. These can include financial products and non-financial services that have a tangible impact on children’s school education or on programmes aimed at creating employment opportunities for young people and adults.

The Award of €100,000 is granted by the Luxembourg Ministry of Foreign and European Affairs – Directorate for Development Cooperation and Humanitarian Affairs and is jointly organised by the Ministry, the European Microfinance Platform (e-MFP) and the Inclusive Finance Network Luxembourg (InFiNe.lu). It will be presented on 17th November 2016 during the European Microfinance Week in Luxembourg.

All applications must be supported in writing by an e-MFP member. The closing date for applications is 1st June 2016, 23.59 CET. Further information, detailed criteria and online application are on the website of the European Microfinance Award.


Check out the new issue of our partner Proparco:

proparco en

"Private Sector & Development - Social Business: undertake and invest differently
Combining social mission and economic efficiency, is the ambition of social business. How to consolidate and amplify the movement?"

Download the issue here 

 

Visit Proparco website for more information.


Microlux: Microfinance in Luxembourg and the Greater Region

Microlux

ADA is launching Microlux, the very first microfinance institution in Luxembourg and the Greater Region.

The NGO, which specialises in the provision of microfinance to countries in the south, has joined forces with BGL BNP Paribas and ADIE International (a right to economic initiative Association which operates as a microfinance institution in both France and Europe). The project is supported by the European Investment Bank (EIB).

The aims of Microlux are to:

  • Support the creation or development of activities undertaken by individual clients or social enterprises who do not have access to the traditional credit system.
  • Finance these activities, particularly through the provision of micro-credits or credits to social entrepreneurship and then to develop services related to inclusive finance (such as micro-insurance).

The project’s objective is to contribute to the efforts made to improve their clients’ income and quality of life. 

In order to achieve these objectives, Microlux will provide:

  • Coaching, mentoring and training provided by volunteers
  • Micro-credits of a maximum amount of 15,000 EURO 
  • A loan called “micro +” for activities which have already begun (of a maximum amount of 20,000 EURO)
  • A social entrepreneurship loan (of a maximum amount of 25,000 EURO).

Microlux will begin these activities in June 2016 and the first forms of support will be provided in September/October 2016. Rémy Jacob, vice president of ADA, will chair the board.

The activities of Microlux have been authorised by the CSSF and the Ministry for the Economy. It was legally established in the form of a public limited liability on 31 March 2016, although making a profit is not its prime purpose.

Microlux would like to thank Allen & Overy for a very efficient pro bono legal support all along the start up process.
And thank you to the many volunteers who stand ready to help us and our future beneficiaries.


www.microlux.lu


ADA at the 18th Microcredit Summit

March 14 - 17, 2016, Abu Dhabi, UAE

ADA in partnership with the MicroCredit Summit offers MFI’s managers a SIMFI training during the18th Microcredit Summit. 

See the photos of our team at the conference!

  • MCS 7

    M. Yunus meets our team.

  • MCS 8

    Conference of M. Yunus.

  • MCS 4
  • MCS 5
  • MCS 6
  • MCS 9
  • MCS 2

    Luc Vandeweerd et Bénédicte Godefroid (ADA)

  • MCS 1

    Vous serez accueillis par Bénédicte.


SIMFI training

SIMFI

March 17, 2016, Abu Dhabi, UAE

A Microfinance Institution Simulation Platform

The workshop is based on a web application simulating a microfinance institution in a market. It consists of creating groups of 2 to 5 persons depending on the size of the group, who are responsible for creating and managing a microfinance institution all along during the game. We have 6 periods or rounds representing 3 months each. The actual scenario covers up to two years of activities, but this is adapted to duration of the training period.

Participants will be asked to weigh in on various matters of markets, products or strategy and - faced with a number of choices - any decision they make will have consequences for the performance of the virtual IMF.

The simulation allows the participants to manage an MFI and promotes an analytical decision making process, taking into account the financial situation of the MFI as well as the client value that is on offer. Managing this balance is essential for health of the sector.

MicroCredit Summit was held from March 14th to 16th and SIMFI training on March 17th in Abu Dhabi.


Microfinance and women

On the occasion of Women's Day, ADA invites you to discover or rediscover some pictures of female entrepreneurs

8 March 2016 - International Women's Day: 80% of microfinance clients are women. This figure even rises to 93% among some of our partners as Yiriwaso Soro, Mali. In Africa, women often gather to form female solidarity groups. On the occasion of this special day dedicated to women, ADA invites you to discover some portraits of entrepreneurs who, thanks to our action, were able to create their income generating activity.

  • bolivie

    Bolivie

  • bolivienne

    Bolivie

  • cape verde 1

    Cape Verde

  • groupe ouaga

    Burkina Faso

  • imf ouaga

    Burkina Faso

  • jeune couturière

    Burkina Faso

  • ouaga

    Burkina Faso

  • perou

    Pérou

  • perou3

    Pérou

  • perouvienne

    Pérou

  • philippines

    Philippines

  • resto godorah

    Burkina Faso

  • restp kadiami

    Burkina Faso

  • tisseuse

    Burkina Faso

  • tisseuse 1

    Burkina Faso

  • tissus

    Burkina Faso

  • cap vert

    Cape Verde

  • perou1

    Pérou

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