EVERY SHARE IN ALTERFIN 
IS A SHARE IN A HUMAN LIFE.

With Alterfin, you invest in people. Your share goes beyond financial return: it strengthens entrepreneurs and farmers around the world in shaping their own futures.

We call that Human Yield: a return measured in improved lives. In dignity. In resilience. In humanity.

Offer a gift that changes lives this end of year 🎁

Join us and make a difference

Your bonus: a 5€ Oxfam voucher per 10 shares (until 31.01.2026).

Human yield in numbers

In Peru, coffee producers move from mere survival to planning their harvests and incomes. In Kenya, women entrepreneurs diversify their incomes and become active players in the local economy. In Kyrgyzstan, artisans expand their workshops and move from irregular incomes to real stability.

Every Alterfin share connects you with people building their future.
People you might never meet, but whose lives change because you choose to invest in positive change.

5.900
Co-op members
10%
1m
Alterfin shares in the cooperative
20%
4,9m
Farmers and entrepreneurs who improved their lives

WHERE WE PUT YOUR MONEY TO WORk

With Alterfin, your money reaches entrepreneurs and farmers in parts of the world where access to opportunities is scarce, but ambition is not.
Your money allows people to move forward. That is Human Yield in practice.

Latin-America

Africa

THE stories behind The human yield

Your money has the power to connect you directly with the lives of millions. These stories show what Alterfin is already setting in motion today, in Belgium and worldwide.

Entrepreneur
Francisco
Nicaragua

"I run a lathe workshop. I started with just a small lathe and a milling machine, and later I needed some financial support to grow my workshop. I applied for a loan, which was approved. Since then, the workshop has expanded, and today I have everything I need. If you work responsibly, life will treat you well."

Co-op member
Amandine
Belgium

"For me, the most crucial aspect is truly the social impact. Investing my money doesn't bother me at all, even if the return doesn't match, for example, the stock market or a savings plan. Indeed, with Alterfin, I know exactly what my investment will contribute to."

Farmer
Jeanette
Rwanda

“I’m a mother of six children. I receive a fair and generous price for the coffee I deliver. It makes me proud to see myself and other women earning our own income and gaining independence.”

Co-op member
Laurette
Belgium

"What attracts me is the idea of microcredits. Repaying these loans gives entrepreneurs a sense of dignity and responsibility, which I find essential. I value that Alterfin works in Africa - especially in Rwanda, where part of my family lives. Having visited several times and seen rural living conditions, I know how profoundly microcredits can support local communities and families."

Farmer
Un Ra
Cambodia

“With my loan, I was able to finance my chili pepper production. Thanks to the income from my harvests, I opened a phone shop that my son now runs. Every day, life feels a little better for our family. We can afford decent housing, and we have the means to build our own small business.”

HOW IT WORKS

Simple. Transparent. Impactful.

You can become a co-op member of the Alterfin cooperative from €62.50. We put your money to work through carefully selected partners in microfinance and sustainable agriculture. These partners provide local entrepreneurs and smallholder farmers with loans, access to fair markets, and practical know-how - the resources they need to strengthen their activities and build long-term resilience.

Wouldn’t you want to have a share in that?

Your alterfin share
10%
1. Human Yield

The return on your investment is measured in improved lives. 
In dignity. In well-being. In humanity.

10%
2. Ownership

You stay in control of your money and become part of a movement of change.

10%
3. Modest Financial Return

You receive a dividend if the financial results allow it.

recent updates

News

Impact must be measurable - or it doesn’t count

After the retroactive abolition of tax reduction, Alterfin is introducing 'Human Yield': a transparency model that translates investments in microfinance and sustainable agriculture into measurable socio-economic outcomes.

Interview

What is the human yield of your investment?

Everyone agrees that investing should pay off. But while most lending institutions stop at financial returns, Alterfin is primarily interested in human yield: the “human return” on its investments.

30 years

Protecting the Planet, One Landscape at a Time

In the Philippines, Kennemer Foods works hand in hand with nearly 20,000 smallholder farmers to transform local agriculture. Understanding the dynamics of the land, building trust with communities, and relying on a network of “Cacaopreneurs” - this is their strategy to spread virtuous farming practices… and reap the benefits.

meet our team

We are an international team of more than 35 people from more than 15 countries, working on 4 continents.

Every day, we strive to create a sustainable, fair and inclusive future.

find out more