Innovation that promote access to financing and skills can empower women to expand and sustain their enterprises, leading to women’s greater economic security. Yet small women-run enterprises often fall at the first hurdle because their owners lack the collateral and business management skills required to access loans from financial providers. Despite the huge customer demand for health services in Tanzania, Accredited Drug Dispensing Outlets (ADDO) owners have always had challenges in accessing financing to ensure their shops are stocked with high quality medications in adequate supply.

HDIF provided funding to the Association of Private Health Facilities in Tanzania (APHFTA) to develop a customised loan product for an under served micro-lending market while improving access to first line health services. Afya Microfinance (AMiF) is a social enterprise set up by APHFTA that provides affordable loans to enable ADDO owners, especially women, to purchase high quality medicines through reputable suppliers,in appropriate quantities, and at an affordable price and to make improvements to their businesses.

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