About the investment
Symbiotics, through its impact investment vehicles, has partnered with FIDO MicroCredit Ltd (“FIDO”), a
leading fintech platform in Ghana providing digital microloans to individuals and micro-entrepreneurs excluded from the formal banking sector.

Investment rationale
Digital pioneer addressing Ghana’s financial access gap. Fully digital underwriting and disbursement, scalable model. All loans are directed to microenterprises and low-/middle-income households.

Impact rationale
Empowers underserved micro-entrepreneurs and individuals (over 230,000 borrowers). Advances gender equality: with 41% women clients. Promotes transparent, fair, and responsible digital lending. Minimal environmental footprint due to paperless, travel-light model.

Sustainable Development Goals
By 2030, ensure that all men and women, in particular the poor and the vulnerable, have equal rights to economic resources, as well as access to basic services, ownership and control over land and other forms of property, inheritance, natural resources, appropriate new technology and financial services,
including microfinance.