Access to Finance Rwanda (AFR) is a Rwandan not for profit organization established in 2010 by the UK’s Foreign, Commonwealth and Development Office (FCDO) in partnership with the Government of Rwanda. AFR is currently funded by FCDO, MasterCard Foundation, Sweden, and Jersey Overseas Aid (JOA). It is one of the nine members of the Financial Sector Deepening (FSD) network across Sub-Saharan Africa.  

AFR’s strategic focus is to stimulate financial sector development by partnering with financial institutions and other stakeholders to increase access to and use of financial services. It is guided by the Making Markets Work for the Poor (M4P) approach recognizing that efforts to increase financial inclusion must be carried out by market actors to be sustainable. AFR identifies and intervenes to address constraints that prevent the financial sector from serving Rwanda’s low-income population through promoting innovations and learning that result in sustainable change. Improving access to financial services for the rural poor, women and youth is of particular focus. AFR supports the Government of Rwanda’s development objectives by aligning its interventions to national policy frameworks including the Financial Sector Development Programme (FSDP) II, and the National Strategy for Transformation (NST1) 2017-2024.


The objectives of AFR, as outlined in the Articles of Association, are:

  1. To increase access to financial services for poor rural and urban people and Micro, Small and Medium Enterprises (MSMEs) ;
  2. To improve the livelihoods of poor people through reduced vulnerability to shocks, increased income and employment creation;
  3. To provide funding and technical assistance to public sector/private sector and/or civil society recipients in order to promote, and achieve, the objectives set out in paragraphs (a) and (b) above; and
  4. To carry on all other such things that are incidental or conducive to the attainment of the above.


To facilitate a diverse and inclusive financial sector that delivers real value to the economy and people, in particular unserved and underserved populations


A diverse and inclusive financial sector that supports increased resilience and sustainable livelihoods for all and contributes to Rwanda's economic transformation


  • Integrity
  • Collaboration
  • Value for money
  • Responsibility
  • Quality
  • Respect

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