ALMA Sustainable Finance is an investment management firm that creatively deploys capital for sustainable development. Our debt platform serves high-growth, impact-oriented companies in a range of sectors, primarily in emerging and developing markets in Asia, Africa, and Latin America. ALMA invests in market-leading, impactful businesses led by experienced teams. Our portfolio companies and pipeline borrowers are backed by the world's leading equity investors including Y Combinator, Acumen, Exxon Mobil, GE, FMO, and others. With prior executive or management roles at institutions such as CGAP (World Bank), FinDev Canada, SKS Microfinance (IPO), FastCash (acquired), Rainforest Alliance, and others, our leadership team has nearly 100 combined years of experience in building, scaling and exiting sustainable impact companies, impact debt and equity investing, and data analytics.

Almavest

Oya provides loans to MSME borrowers, focusing on small business traders, drivers, and local institutions to support their working capital and small asset financing needs

Oya has to an engaged customer base, with 60% of customers borrowing every 2 - 3 months

The company's borrowers are 82% female, and made up mostly of young individuals, with 66% of customers between the ages of 26 and 55.

Oya, via Almavest

Proceeds from this pool will be used to provide financing to Oya Group via the credit fund, Almavest. Oya is a Ghana-based micro-lender with a 10+ year track record that supports the growth of small businesses across Africa by providing quick, and convenient access to credit. Oya operates across Africa with subsidiaries in Tanzania, Uganda, Liberia, and Sierra Leone.

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Information on deal structure, collateral used to secure this loan, and options in the case of a default on repayment by the borrower

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