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Our expertise in Microfinance


Access to finance offers a lifeline to millions of people enabling them to better manage their daily life, cope with unexpected difficulties, fulfill aspirations and plan for the future. Yet, there are still two billion people worldwide who are excluded from basic financial products and services.

Based on our deep-rooted commitment to make money work for positive change, Triodos Bank aims to address this challenge because we strongly believe that access to finance gives people the freedom of choice to pursue the life they wish to live. Inclusive finance offers financial services, including savings, credit, and insurance to traditionally underserved people. These services enable them to better support themselves and their families and improve their quality of life.

Our expertise facts and figures
X 15.5 million

Total number of loan clients (of whom 80% are women) and 8 million savings clients reached by the microfinance institutions and banks in our portfolio at year-end 2015.

X 22 years experience

Triodos Investment Management has been a pioneering provider of capital to microfinance since 1994.

X 100 microfinance institutions

Triodos Investment Management manages four funds that provide finance for 100 microfinance institutions and banks worldwide at year-end 2015.

X Over EUR 700 million

The amount of assets under management in inclusive finance have increased to this number since 1994.

X Inclusive financial services

An estimated 2 billion people have no access to formal financial services. They are unable to open a bank account, negotiate a loan to start a business, or buy insurance.

X 5 specialised funds

Through five specialised funds - Triodos Microfinance Fund, Triodos Fair Share Fund, Triodos Sustainable Finance Foundation, Hivos-Triodos Fund, and Women’s World Banking Capital Partners - we have been active as an investor in inclusive finance since 1994.

X 45 countries in 5 regions served

Triodos Investment Management lends 33% from its portfolio to East Asia & Pacific, 30% to Latin America, 20% to Eastern Europe & Central Asia, 15% to Africa & Middle East and 3% to South Asia.

Our expert: Marilou van Golstein Brouwers

Marilou van Golstein Brouwers is Managing Director of Triodos Investment Management

‘Focusing on the interests of microfinance clients is the only way to achieve long-term sustainable financial results.'

Marilou van Golstein Brouwers is Managing Director of Triodos Investment Management BV,  and a leading authority on microfinance. She started working for Triodos Bank in 1990. She was a member of...

More about Marilou van Golstein Brouwers

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The impact on Microfinance

As an early and pioneering investor (since 1994), we have seen the inclusive finance sector rapidly evolve and expand, especially over the past decade. The sector has shown that those with low income are bankable and can be offered financial services in a sustainable way.

A rising number of global, national and local leaders have come to acknowledge that access to financial services is an important prerequisite for economic and social development in developing countries. Financial inclusion is therefore an important topic on the agendas of many governments and international forums, and also reflected in the United Nations’ Sustainable Development Goals. Not as a goal in itself but as a powerful tool to reach many of the most important development objectives.

Looking for funding?

Don't hesitate to contact us for more information on how we can provide funding for your financial institution.

Triodos Microfinance Fund

A sound investment in financial services for low-income people in developing countries

Triodos Bank in action

One valuable way of sharing our knowledge is through active board membership of all the microfinance institutions in which we are a shareholder.

In each case, a senior member of our team serves as a director or alternate director on the Board, making available Triodos Bank's wide-ranging expertise in microfinance and sustainable banking.