Financial stability, before the loan is granted.
- 4 to 6 pre-loan workshops
- Personal and business finances separated
0 beneficiaries supported. 24 projects. 5 countries. The behavioral data already exists. It just isn’t in your impact reports yet.
The business holds. What collapses is the founder's personal financial situation:
- Personal financial stress → energy diverted from the business.
- The business weakens 18 to 24 months after the loan is granted.
- A cause invisible in the accounts, but visible in behaviors.
SPM scoring is no longer enough:
- Your investors demand defensible behavioral metrics.
- SDG indicators must be reportable, not declarative.
- Without an FWBI, you defend impact you cannot prove.
Access to finance does not fix financial behaviors:
- A borrower who is personally financially fragile repays less reliably.
- Root-cause analysis points to behaviors, not to the business.
- A complementary behavioral layer reduces defaults without weighing down your operations.
The need for structured tools is real:
- Embed behavioral solutions into your support programs.
- Train mentors and financial advisors in a professional, structured way.
- Provide continuous support between financial touchpoints.
Before the loan, after the loan, and in your reports
Post-loan behavioral tracking, measurable and reportable (app or low-tech).
- 6-week post-loan follow-up
- SDG-aligned FWBI, defensible
Calculate the impact on your PAR30 and ESG metrics
Adjust the assumptions to see what a behavioral layer could protect across your portfolio.
What you preserve
PAR30 reduction applied to your portfolio
By reducing your PAR30, you preserve
~ 0 €
of at-risk portfolio per year
and you secure 0 borrowers moved out of risk.
Discuss these numbers → Indicative estimate: 30% PAR30 reduction through a behavioral layer (pre-loan workshops + follow-up).Your results, in numbers
2 579beneficiaries
24projects
5+countries
8/10satisfaction score, Fiinafas Coach pilot
8/10satisfaction score, Pack workshops
Results since 2023
PPI and APIF · Côte d’Ivoire
2,000,000 indirect
National Financial Education Program
The Agency for the Promotion of Financial Inclusion (APIF CI) launched its National Financial Education Program (PNEF) in 2021. The challenge: equip the entire Ivorian population (entrepreneurs, rural communities, employees) with a coherent financial education strategy and curricula, adapted to local contexts and deployable at scale. Role: instructional design and financial education expert.
PPI, Simplon · Senegal
21 women
Digital financial education training, Finance4All
The Finance4All project, supported by PPI, aimed to strengthen the financial and digital knowledge and skills of women in Senegal, with a specific focus on adopting digital financial services (mobile money, digital payments). Key challenge: turning training into lasting, measurable financial behaviors. Role: financial education expert & DFS expert.
Your funders want behavioral metrics that hold up. That’s exactly what we build together
Annual ESG cycles, investor reporting, a PAR30 to bring down. We start from your 2027 impact priorities, not from a catalog.
First conversation, no strings. We work around your ESG priorities and reporting cycle.
Questions.
The Fiinafas Well-Being Index produces defensible SDG-aligned indicators: SDGs 1, 3, 4, 5, 8, 10. Designed to fit into your existing reporting formats.
Fiinafas works as a complementary behavioral layer. No overhaul of your operations, just pre-loan workshops and post-loan follow-up that fit into your existing cycle.
France (ADIE, Réseau Initiative) and Africa (Baobab, SIDI, Mauritania, Côte d'Ivoire). Expansion possible depending on your areas of operation.