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Our Model

We operate on the pillar of democratizing capital and finances for women and youth across Africa.

Who we serve

US4Women

87% of our borrowers are women who typically earn a living wage of $2-4 a day. They are vulnerable in their states of poverty yet are the main providers of their families. 

We see potential in these women, and work with those who are ready to be equipped with tools that move them toward hope-filled futures. 

Access to low interest loans in form capital and wrap-around services position our women entrepreneurs to flourish. 

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Young Mula

Africa has the youngest population in the world, yet remains the poorest. Young people have dreams to start businesses & become professionals in their desired fields but lack access to capital and the available banking offers aren’t designed for them. 

era92 finance provides asset financing options and low interest loans to young entrepreneurs that they repay in installments over a period of time. 
Our products have the distinct ability to empower young entrepreneurs, kickstart their businesses, increase their savings and efficiency as they build their professional careers.

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Our model works as it tends to the entirety of a person’s needs, allowing a fullness of hope restored. Committed to offering the most comprehensive solutions to our borrowers, we supplement microfinance services with the following resources.

FINANCIAL SERVICES

Our financial solutions are centered around access to capital through low interest loans. As loans are repaid and redistributed back into the community, new borrowers are able to invest in their businesses and provide for their families and communities.

Our loan products equip entrepreneurs as they grow their business, care for their family, and lead an empowered & dignified life.

HOLISTIC APPROACH

Finance education is necessary for the people we serve. Through seminars, and business courses, women & youth are equipped to steward their work with excellence.
Our in-depth training equips borrowers to learn a new trade, deepen an existing skill, or improve business practices. Courses offered include budgeting for business expenses, balancing books, sales & marketing, proposal writing & pitching among others.

FAITH INTEGRATION

Our conviction in the saving grace and restoring power of Jesus motivates us to love our neighbor as ourselves.  We incorporate; p>

  • Devotional And Prayer During Every Bi-Weekly Bank Meeting
  • Partnerships With Community Pastors And Local Churches
  • Business Trainings Using The “Doing Business God’s Way” Curriculum where we equip entrepreneurs with financial and spiritual acumen to steward their business with excellence.