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Bridging the gap

BlueOrchard provides innovative financial instruments and solutions for placements in microfinance, bridging the gap between capital markets and microfinance institutions. We generate profitable returns on investments while supporting the development of millions of promising small enterprises. 

We believe in creating value through solid long-term relationships by providing debt and equity to microfinance institutions in all stages of their development. We share their mission to provide financial services to those who have few resources and are excluded from mainstream financial services. We regard our cooperation with them as the primary means to support financial and social integration worldwide. 
 
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Running a street-side café in Cairo, Egypt (May 2008). Gemeen has been running a snack bar in Abdeen, a neighbourhood of Greater Cairo, for 20 years. She offers simple local meals, such as stews, pita sandwiches, beans and French fries with peppers. Conveniently located on a broad street corner, Gemeen’s business includes a tiny indoor space used primarily for storage and cooking and an outdoor area where there is a deep fryer, two tables with some chairs and a stand for selling vegetables and pita bread. She runs the restaurant with her husband, one of their sons who helps out in his spare time and one employee. Gemeen has been a client of Al Tadamun, an Egyptian microfinance institution, for 10 years. Since 2002, Al Tadamun has been offering group loans to women with existing income-generating projects in Greater Cairo. Gemeen’s first loan from Al Tadamun was for 250 EGP (less than 50 USD) and she currently has a loan of 3000 EGP (less than 600 USD). Over the years, she has used the loans from Al Tadamun to buy stock for her business (bread, cooking oil, vegetables) and to buy and maintain equipment, such as the deep fryer. She has dependably repaid every loan with interest. With her revenues, Gemeen has helped support her family for the past two decades. Gemeen and her husband have two sons, one studying law and one studying commerce, and one daughter. Married at a young age, they also has grandchildren. Gemeen and her husband can neither read nor write.

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