Non-Financial Services

Development, an essential element of ACF’s approach to finance, is embedded into ACF’s work through two main approaches:

Integrating developmental elements into microloan products
For example, assistance provided to clients by loan officers regarding how to develop a construction work budget, or how to implement energy-efficient measures.

Provision of stand-alone development services
ACF clients have access to free-of-charge, up-to-date practical information, available in ACF offices, on various themes, including (but not limited to):

  • Agriculture/smallholder farming
  • Construction and sanitation for residential housing
  • Business ethics
  • Business management, accounting and human resources (HR)