Financiera FDL (FFDL) is one of Alterfin’s longest-standing partners. Our collaboration began in 2002, when Alterfin became FFDL’s first international lender – a partnership built on shared values and a commitment to meaningful social impact.

This impact study examines how FFDL’s financial services support low-income households, particularly in rural areas where access to credit is essential for entrepreneurship, stability, and long-term resilience.

FFDL's impact study summary

What the study reveals

Drawing on over 180 client stories and survey responses, the study highlights how FFDL’s tailored loan products help their clients:

• Meet diverse financial needs,
• Help improve living conditions,
• Acquire productive and household assets,
• Expand access to education.

A substantial majority of clients report positive changes in their economic well-being.

97% say their economic situation has improved since receiving a loan, and 96% would recommend FFDL to friends and family.

Beyond easing financial stress, FFDL’s loans help households plan ahead, invest in their futures, and build long-term resilience.

63% say they would rely on their savings in an emergency, and 24% would turn to FFDL again — showing both strengthened financial habits and deep trust in the institution.

Why this partnership matters

The study shows how FFDL’s responsible and client-focused approach helps households move from financial survival toward long-term development. Clients describe using loans to stabilize their businesses, expand income-generating activities, and support their children’s education – steps that build dignity, autonomy, and hope.

For Alterfin, this work reflects our commitment to transparent impact measurement and to ensuring that every euro invested contributes to meaningful change in the lives of the people, clients in this case or producers, we support.

This is what we call that human yield: the measurable societal return generated by invested capital – expressed in lives improved, dignity restored, and resilience created.

Discover the firsthand testimonials from FFDL.

Did you know? The interviews are gathered after and independently from the anonymized impact study, bringing a complementary human perspective while keeping both processes clearly distinct and grounded in solid research.

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