Publication of the 2024 Integrated Report

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The 2024 edition of Grameen Crédit Agricole's integrated report has just been published, you can now discover the highlights of the year:

As of December 31, 2024, the Foundation managed €82 million in outstanding loans for 67 microfinance institutions and 8 social enterprises in 36 countries. Women's entrepreneurship and the development of rural economies remain at the heart of its work: 75% of the 6.7 million beneficiaries are women and 76% live in rural areas.

Our ambitions are part of an environment marked by climate change and the digital boom.

Download the Report 

How does the reduction in international aid impact your work? We want your opinion.

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French version below ⬇
English version below ⬇
Spanish version continued ⬇

 

How does the reduction in international aid impact your work? Share your experiences, challenges and adaptations.

This survey is being undertaken by Grameen Crédit Agricole in partnership with CERISE+SPTF and the Financial Inclusion Equity Council (FIEC), two networks that bring together many field actors among their members.

It aims to assess the impact on the financial inclusion sector of the reduction and redefinition of international aid following the decrease in the contribution of the United States and other countries to development programs around the world.

Although inclusive finance is essentially based on self-reliance, financial service providers (FSPs) and a large proportion of their clients and beneficiaries may depend directly or indirectly on aid-supported programs in the areas of economic stability, access to essential services in health, education, infrastructure and energy.

The survey will take 5 to 10 minutes of your time. You can complete it until August 18. We will share the results by October 2025. Thank you for your contribution!

Start the survey

 

International aid [1] has been reduced since 2024 (source: OECD, June 2025) and even more drastically following the abrupt cessation of USAID (falling from programs worth $120 billion in January 2025 to $69 billion in May 2025 (source: NY Times, June 2025). “There is not a single area of development and humanitarian assistance in which USAID has not been involved,” said Abby Maxman, President and CEO of Oxfam America. In this vein, many countries are cutting their foreign aid budgets.

[1] International aid is defined as assistance, support, or resources provided by a country, international organization, or non-governmental entity to another country or population in need. It is often coordinated by multilateral organizations such as the United Nations, the World Bank, or regional bodies, as well as bilateral agreements between countries.

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How has the reduction in international aid impacted your work? Share your experiences, challenges, or adaptations

This survey is initiated by Grameen Crédit Agricole in partnership with CERISE+SPTF and the Financial Inclusion Equity Council (FIEC), two networks which bring together many field practitioners among their members.

It aims at assessing the impact on the financial inclusion sector of the downsizing and redefinition of international assistance following the USA and other countries' aid contribution shrinkage to development programs worldwide.

Even though inclusive finance is essentially based on self-sustainability, Financial Services Providers (FSPs) and many of their clients may rely directly or indirectly on aid-supported programs in the areas of economic stability, access to essential services in health, education, infrastructure and energy.

The survey will take 5 to 10 minutes of your time. You can answer it until August 18th. We will share the results with you by October 2025. Thank you for contributing!

Start the Survey

 

International assistance[1] has been reduced since 2024 (source: OECD, June 2025) and even more dramatically following the USAID abrupt shutdown (from programs worth 120 bn USD in Jan 2025 down to 69 bn USD in May 2025 (source: NY Times, June 2025). “There is not a single area of development and humanitarian assistance USAID has not been involved in,” said Oxfam America's President and CEO Abby Maxman. Following this path, many countries are reducing their budget dedicated to foreign aid.

[1] International assistance is understood as aid, support, or resources provided by one country, international organization, or non-governmental entity to another country or population in need. often coordinated through multilateral organizations like the United Nations, the World Bank, or regional bodies, as well as through bilateral agreements between countries.

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How has the reduction of the international industry impacted your work?  Compare our experiences, disappointments and adaptations.

This investigation was initiated by Grameen Crédit Agricole in its association with CERISE+SPTF and the Financial Inclusion Equity Council (FIEC), which has many of its members joining us.

This objective is to evaluate the impact in the sector of financial inclusion of the reduction and redefinition of international assistance, through the reduction of the contribution of EE.UU. and other countries to download programs all over the world.

Not all inclusive finances are based primarily on self-sustainability, financial service providers (PSF) and many of our clients and beneficiaries may depend directly or indirectly on programs supported by the availability of economic stability or access to services. essential for access to health, education, infrastructure and energy.

The encuesta will take 5 to 10 minutes to wait. You can respond until 18 August. The results of the survey will be reported in October 2025. Thanks for your contribution!

Inicia la encuesta

 

International assistance [1] will be reduced from 2024 (source: OECD, June 2025) there is a more dramatic drop in USAID's program (from programs worth 120 million USD in energy from 2025 to 69 million USD in May 2025 (source: NY Times, June 2025). “There is only one area of relief and humanitarian assistance where USAID has not been involuted,” says Abby Maxman, President and CEO of Oxfam America. If you follow this trend, many of the landscapes are reduced on the assumption dedicated to the exterior door.

[1] International assistance is understood as the country, the support or the resources provided by a country, an international organization or a non-governmental entity in another country or necessary population, a menu coordinated through multilateral organizations such as the United Nations, and Banco Mundial and regional organizations, as well as bilateral contacts between countries.

Journey to the heart of impact: what is the story of Grameen Crédit Agricole?

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At the house of Grameen Agricultural Credit, we believe that local financial inclusion can and must be a powerful lever for social transformation. It is this strong commitment to sustainable impact that we wanted to illustrate through this video, which brings our mission to life, on the ground, as close as possible to our partners who support women entrepreneurs and vulnerable populations.

Far from abstract discourse, this film immerses you in the daily lives of those who, thanks to a tailored financial service, improve their future. Because behind every professional project supported, there is a person, an ambition, a fight against economic and social inequality.

Our mission?

Promoting women's empowerment through tailored financial services and supporting female entrepreneurship, for, by and with women.

And this involves the deployment of concrete, financial, technical and global local solutions in developing territories to resolve global problems by collaborating with actors rooted in the realities on the ground. (personalized support, technical assistance, listening to local realities, capacity building.)

We financemicrofinance institutions and social enterprises so that they can, in turn, support women in their quest for economic independence. Together, we build sustainable, humane, and impactful solutions.

Because beyond the numbers, it's the stories, the journeys, the successes that count.

 

Conference “Finance and Climate: Focus on Women!”

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April 23, 2024, Grameen Crédit Agricole organized a conference bringing together more than 130 participants at the Village by CA Paris.
The objective? To explore the links between financial inclusion, climate change and the role of women.

Investors, NGOs, foundations, and Crédit Agricole Group employees attended the event to discuss ways to take action together. The event highlighted the central role women, particularly in developing countries, play in addressing climate challenges, including access to drinking water, clean energy, sustainable agriculture, and more.

Committed speakers shared their concrete experiences:

  • Purvi Bhavsar (Pahal, microfinance in India, partner of Grameen Crédit Agricole)
  • Vincent Brousseau (Grameen Crédit Agricole)
  • Tanguy Claquin (CACIB)
  • Camille Huret (FosterImpact)
  • Claudia McKay (CGAP)
  • Maud Savary-Mornet (BeyondFinance)

All of them showed how financial inclusion can be a powerful lever to strengthen the resilience of the most vulnerable communities.

This highlight was also marked by the presentation of the fund Women Empowerment for Climate, an investment tool designed to support projects led by women in sectors affected by climate change.

Finally, the actress and director Aïssa Maïga delivered a testimony that deeply touched the audience. In an exchange led by Veronique Faujour, General Delegate of Grameen Crédit Agricole and Secretary General of Crédit Agricole SA, she highlighted the real consequences of climate change on emerging countries.

 

SSNUP program supports VisionFund for small farmers in Senegal

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VISION FUND SENEGAL ©Philippe Lissac/GODONG for the Grameen Credit Agricole Foundation

 

The SSNUP program:

Coordinated by ADA, the SSNUP program aims to boost the productivity of smallholder farmers in Asia, Africa, and Latin America by improving risk management and developing sustainable agricultural value chains. Funded by Luxembourg, Switzerland, and Liechtenstein, the program aims to improve the living conditions and food security of more than 10 million smallholder farmers. The Grameen Crédit Agricole Foundation is one of the impact investors implementing the project.

A high-impact agricultural project in Senegal:

Agriculture plays a key role in the Senegalese economy, accounting for approximately 75% of the workforce and contributing significantly to the country's economic growth. However, the sector remains heavily dependent on rain-fed agriculture, with only 5% of irrigated land, making it particularly vulnerable to the effects of climate change. Furthermore, only 20% of the country's adult population has access to the formal banking system, limiting smallholders' access to affordable financial solutions.

Vision Fund Senegal, a microfinance institution created in 2016 by World Vision International, plays a crucial role in this context. With a loan portfolio of over €13.8 million as of September 2023, the institution serves 58,895 active borrowers, of whom 98 are women and 74 live in rural areas. Its agricultural portfolio, including livestock and crop activities, represents 88 of the total.

A project to strengthen the financial skills of smallholders:

With support from the SSNUP program, Vision Fund Senegal will develop and implement a digital financial education training program specifically designed for agricultural households. This 18-month project, with a total budget of €40,000 (including €90 million funded by SSNUP), aims to:

  • Design a digital financial education program adapted to the Senegalese agricultural context;
  • Train 19,256 farm households across the country.

By leveraging digital technologies, this project will enable smallholder farmers to acquire the knowledge needed to better manage their finances, access financial services and improve their resilience to economic and climate challenges.

With a particular focus on women, who constitute the majority of Vision Fund Senegal's beneficiaries, this project aims not only to strengthen agricultural productivity, but also to improve livelihoods and promote sustainable and equitable financial inclusion in Senegal.

By providing smallholder farmers with the necessary financial tools and skills, this project contributes to building a more resilient, inclusive and sustainable agricultural sector in Senegal.

Positions to be filled

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Philippe Guichandut spoke at the Uniglobal Conference in Berlin

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Philippe Guichandut recently spoke at the Uniglobal Conference on March 13-14, 2025, an international event bringing together major players in inclusive finance, Berlin. During this edition, he shared his expertise on key issues for Grameen Agricultural Credit.

As part of an intervention dedicated to the financial inclusion of refugees, Philippe highlighted the initiatives carried out in Uganda, highlighting the importance of strategic partnerships to address the specific needs of this vulnerable population. He also addressed the challenges of country risks in contexts marked by instability, such as Myanmar, Mali, Burkina Faso, Palestine and the Democratic Republic of Congo. Among the innovative solutions presented, the guarantee mechanism supported by DAMAN in Palestine, supported by the SIDI, illustrated the adaptability and resilience of microfinance players.

This participation was an opportunity to reaffirm Grameen Crédit Agricole's commitment to inclusive, sustainable and supportive finance, serving the most vulnerable populations.

 

Solidarity Bankers: Much More Than a Mission

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Skills volunteering program launched in 2018 by Grameen Crédit Agricole and open to all employees of the Crédit AgricoleSolidarity Bankers invites professionals from various Group entities to work for several weeks, alone or in groups, in favor of microfinance institutions and impact businesses supported by the Foundation.

Beyond the usefulness of their missions for their beneficiaries, the Solidarity Bankers also mention positive tripartite effects for Crédit Agricole and the volunteers.

Anne Duval, HR and Organization Performance Leader, CA-TS, Delphine Testemale, Talent, Careers and Diversity Manager, Crédit Agricole Centre Est, François Galland, retired from Crédit Agricole SA returning from Benign And Penelope Cellier, Audit Manager – General Inspection, CACEIS and Thierry Boîte, Director of Development, LCL after their mission at Togo shared their experience.

 

From 2018, there is no doubt that the missions carried out by the Group's employees met the expectations and needs of the beneficiaries. More than 70 missions were carried out by more than 60 Solidarity Bankers in favor of 45 partners distributed in 24 countries. More than 750 active contacts within the group, eligible for skills sponsorship have also been identified, in particular through the J'agis Platform since 2023.

For Solidarity Bankers, as indicated Penelope Cellier, a mission represents much more than just discovering the country, the functioning and culture of a microfinance institution and those who locally run it. A personal contribution "well beyond my expectations" underlines Thierry Boite.

  • Strengthening expertise and personal development

Whether it is a mission related to human resources, compliance or any other expertise, it is essential for a Solidarity Banker to master broad skills on the theme of his mission indicates François Galland in order to be able to exploit them and benefit from them in a completely different context.

At the start, I didn't necessarily expect the mission to challenge me about my own daily practices and attitudes. On site, I was surprised: the mission offered me concrete lessons on how to work with people from very different cultures and backgrounds. An enrichment that now helps to optimize the exercise of my profession" says Delphine Testemale.

All are convinced that this produces a sort of mirror effect which contributes to their personal development which they, upon their return, use to their benefit. of their teams.

And this is all the more true since the preparatory work can be very comprehensive and long and encourage us to take a step back, reflect and even innovate.

  • Very strong human relationships

These missions create very strong human bonds that last both professionally and personally. Anne Duval who completed her second mission maintains relationships with the people she met in Senegal and Benin. She plans to return to Benin to see them again and is currently organizing a clothing collection for children.

"We were welcomed with open arms. Carrying out missions like these allows us to establish strong human relationships, authentic communication, and genuine sharing, including personal ones."

  • An embodiment of the Group's Purpose

In several ways, these missions serve the Group's purpose and are part of the Human and Societal Projects. Utility, inclusion, innovation, and personal development can easily be associated with them. Their added value is not limited to the beneficiaries alone, but also serves the Solidarity Bankers, more indirectly their teams and stakeholders, but also the image of Crédit Agricole and even according to Thierry Boite “its radiance”.

Hanadi TUTUNJI's speech at European Microfinance Week 2024

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Hanadi Tutunji, Technical Assistance Program Manager, spoke at the European Microfinance Week 2024 in Luxembourg (EMW 2024).

THE November 14, this session highlighted the challenges and opportunities related to the financial inclusion of refugees, a central theme of this edition. Concrete examples, notably in Uganda, illustrated the need to strengthen the capacities of microfinance institutions (MFIs) and financial actors to meet the specific needs of this vulnerable population.

Refugees, often perceived as a temporary population, actually reside in host countries for long periods. Uganda, For example, 77 % refugees have been living there for more than ten years, making the country the largest host of refugees in Africa and the fifth largest in the world.

During this session, Hanadi Tutunji emphasized the importance of developing tailored financial solutions to promote the economic integration and self-reliance of refugees. She also highlighted opportunities for collaboration with strategic partners, emphasizing the need to choose partners aligned with the values of inclusion and social responsibility. The selection of partners is based on their ability to understand the specific needs of refugees and to offer innovative and sustainable solutions.

Celebrating women, drivers of change

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In this International Women's Day, Grameen Crédit Agricole wishes to recognize the essential role that women play in the society and economy of emerging countries. For 16 years, Grameen Crédit Agricole has been promoting the empowerment of women by strengthening the partners it supports who provide them with tailored global financial solutions. Among the organizations supported by Grameen Crédit Agricole are: 6.7 million of beneficiaries including 73 % women And 76 % customers in rural areas.

Women are true drivers of economic and social change. When they have the means to undertake and generate income, they prioritize investing in the well-being of their families and communities. Their financial autonomy strengthens their decision-making power within the household and allows them to break the cycle of poverty.

Grameen Agricultural Credit promotes local financial inclusion and supports women entrepreneurs in emerging countries: farmers, traders, peasants, and artisans. Their determination, creativity, and resilience are a constant source of inspiration. This is why we will continue to innovate to better meet their specific needs.

On this symbolic day, let us pay tribute to all these exceptional women who, through their hard work, are building a better future for themselves, their families, and their local communities. Together, let us continue our efforts for a fairer and more inclusive society, where gender equality is fully achieved.

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