Atlantic Microfinance For Africa (AMIFA) emerged in 2025 as one of the undisputed champions of financial inclusion on the continent, a position praised at the Financial Afrik Awards. Created in 2014 by the Banque Centrale Populaire Group, AMIFA now operates a pan-African network of 8 operational subsidiaries, with over 1,100 employees and nearly 100 branches, serving micro-entrepreneurs, SMEs, women, and youth directly.
At the group level, cumulative disbursements reach around 200 billion CFA francs for more than 12,000 loans granted, with a loan portfolio estimated at 112 billion CFA francs in 2024 and a resource portfolio close to 89 billion CFA francs, up 53% from 2021. The consolidated balance sheet total exceeds 185 million euros, with a capital of 85.5 million euros, reflecting solid growth supported by a well-managed operational model, with operating ratios around 60% in several key subsidiaries. In its markets, AMIFA holds significant market shares among microfinance companies, notably 18% in Guinea, 11% in Mali, 10% in Senegal, and 5.47% in Côte d’Ivoire.
The Senegalese subsidiary, launched in 2019, exemplifies this trajectory with 11 branches, over 100 employees, nearly 3,700 active clients, and a strong position in financing agriculture and income-generating activities, in line with national priorities. Driven by a strategy of gradual expansion, accelerated digital transformation (core banking, mobile banking, mobile branches), and governance aligned with the CSR standards of the BCP Group, AMIFA demonstrates that microfinance can combine measurable social impact, sustainable financial inclusion, and economic performance, making it a continental reference in the sector.
