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Our Impact to Date

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Our Impact to Date

Expanding Access to Finance for Underserved Businesses

As of June 30, 2025, ADGF through its guarantee instrument, has supported more than 30,096 Agricultural and SME borrowers for a total of €200 million, resulting in approximately 25,039 new jobs being created, in the Agricultural and SME sector.
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New Loans Enabled
80% of guaranteed loans lacked 100% collateral, likely unfunded by banks without ADGF guarantees.
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Rural Lending
Guaranteed loans supported rural businesses; banks now actively participate due to risk-sharing.
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Women Entrepreneurs
More than 21% of clients are women-led enterprises. ADGF guarantees provide capital financing, resilience, and credibility
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Young Entrepreneurs
More than 22% of entrepreneurs are under 35 years old gained financing, through ADGF guarantees.

Green Window Impact

  • 89 projects supported under the Green Window
  • EUR 5.1 million in loans guaranteed
  • 17,700 tons of CO₂ emissions avoided
  • 85,700 MWh of final energy conserved
  • Supporting energy efficiency and renewable investments

Start-up Window Impact

  • +300 Start-up businesses supported with loans;
  • EUR 7 million loans guaranteed
  • 70% guarantee coverage
  • ADGF enables critical financing for early-stage enterprises

ADGF Development Impact: Jobs and Economic Multipliers as of Q2’25

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K+
New Jobs Created
Estimated employment from ADGF-guaranteed financing
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Jobs Maintained
Estimated Positions preserved, safeguarding livelihoods

ADGF-financed enterprises create significant spillover benefits and economic multipliers. This includes increased orders for suppliers, local spending by employees, and enhanced community business activity.

Enabling Commercial Borrowing

ADGF guarantees enable NBFIs to access commercial funding. This mobilizes new investment capital into underserved markets and reduces sector vulnerability.

Reducing Cost of Funds

ADGF guarantees decreased the average effective interest rate for NBFI commercial loans from 7% to 5%. This allows MFIs to offer more competitive rates to borrowers.

Diversifying Financial Products

Risk mitigation through guarantees allows NBFIs to develop new financial products, expanding access in rural and underserved communities.