Asociation CAR West Region plays an important role at the regional level, in the western part of Romania. Provides organizational, managerial, financial, and technical support to all affiliated entities. Currently these include 26 Credit Unions, totalizing a number of over 170.000 members (clients). Within the last 30 years of ongoing activity, Asociation CAR West Region focused on developing its social components by contributing directly to the education of its members in the spirit of savings and strong financial management.

Founded in 2005, the microfinance company Aurora I.F.N.S.A follows the tradition of good practices and employee unions. The main shareholders of the company are unions affiliated to UTCAR REGIUNEA VEST.

Banca Etica is Italy's first ethical bank, with the mission of encouraging socio-economic initiatives in the field of sustainable human and social development. The organisation opened its first branch in Padua in 1999.

BCR Social Finance financial products and services are available throughout Romania, supporting the creation and development of a large number of small businesses and micro-entrepreneurs in economically depressed areas.

Established in 2010, CAR Casa Banilor IFN is a non-profit organization that aims to support its members and grants loans to financially excluded people and micro entrepreneurs seeking financing for the development of their businesses.

CAR Flexicredit  is a NGO that is offering financial savings products, loans and social aids to its members, increasing access to financing for the population, supporting micro entrepreneurs and increasing the financial security of disadvantaged groups in the eastern part of Romania.

Confeserfidi is a mutual guarantee company. Its mission is to support SMEs, including startups, providing them guarantees on disbursed loans, at subsidised interest rates, by banks. Confeserfidi has agreements with the main Italian banks and, through agents, it covers the whole Italian state.

COOPFIN was set-up in the 90s following a public-private agreement between the cooperatives business organisations (partners of the company) and Sardinia Region, in Italy. In August 2016 COOPIN has been recognized by Bank of Italy as Microcredit Operator and in February, and in 2017 COOPFIN started receiving the first requests of microcredit loans.

The Rural Finance Company FAER NFI S.A. was established in 2005 by the takeover of the Foundation for Promotion of Agriculture and Regional Economy - FAER loan department, with the support of the Swiss Confederation.

FidiPersona's mission is to support people to start up a business, especially for people excluded from the banking sector because of the high credit risk. Beyond lending money, Fidipersona provides services such as mentoring and coaching; particularly a business development service before the lending of the microcredit.

Fondazione Mons. Vito De Grisantis seeks to achieve social solidarity by helping the unemployed and people in need by giving small loans.

Fondazione Grameen Italia is the first and only centre in Italy dedicated to studying and replicating microcredit programs based on the Grameen Bank methodology.

HED Wise is a dynamic software team specializing in healthcare, education, and development solutions. The organization developed applications for healthcare professionals, educational needs, efficient fund management, interactive gaming, and financial analysis. The experienced developers ensure top-quality apps with user-friendly interfaces and strong security. HED Wise is committed to innovating in healthcare, education, and development, making a positive impact in these crucial fields.

Iccrea Banca is the parent company of Gruppo Bancario Cooperativo Iccrea.

Iccrea Banca was established in 1963, founded by around 190 mutual banks (at that time, they were known as "Casse Rurali e Artigiane") in order to support their activities at local level with centralised services. Its role evolved in the following years, with the evolution of the mutual banks now known as "Banche di Credito Cooperativo" (BCCs).

On 4 March 2019, the Gruppo Bancario Cooperativo Iccrea was entered into the Register of Italian Banking Groups, effective as of 1 January 2019. At the time of registration, the group was made up of 162 companies, including 142 affiliated mutual banks, the Parent Company Iccrea Banca, and other companies held either by Iccrea Banca or by the affiliated mutual banks themselves. The Group is the leading banking group owned entirely by residents of local communities within Italy by way of an ownership structure encompassing around 800,000 member shareholders, nearly half of which are either households or small businesses.

Instant Factoring is a modern and flexible financing solution that offers access to working capital and liquidities, fast, simple and with no hidden fees. 

Our Mission 
We support entrepreneurs and their goals to reach new heights at maximum potential and develop their businesses through simple, innovative and 100% digital financial solutions. 

Our Vision
We believe in a society focused on education, meritocracy, innovation and automation that creates opportunities for people and businesses to reach their full potential

BT Microfinantare IFN S.A. is dedicated in servicing microentrepreneurs, the smallest players in the market, with focus on the ones with turnover less than ~100.000 EUR, both in their start-up and development phases. Its main strategic goal is financial inclusion and financial ecosystem.

Microfinanza Srl is a private and fully independent consulting firm specialized in the microfinance sector. The mission of the company is to provide expertise and innovative solutions for the development of microfinance.

MicroLab promotes the development of self-employment through projects and activities concerning financial literacy and trainings of young entrepreneurs, supports the creation and development of micro-enterprises and encourages the enhancement of micro-credit as an instrument of social and financial inclusion.

Mikro Kapital is a micro credit company contributing to positive outcomes such as social inclusion, gender balance and sustainable employment opportunities. It creates ethical finance opportunities for the excluded from the traditional financial system.

Mikro Kapital IFN SA Romania has microfinance as main activity. It's mission - professional input in economic development of very small, small and medium sizes enterprises, by offering quality financial services.

OMRO is a microfinance company that supports the development of small entrepreneurs in rural and urban areas of Romania by offering fast and flexible financial solutions. OMRO provides financial services to entrepreneurs who run business in fields like manufacturing, trade, construction, transport, services and agriculture.

Patria Credit is the largest non-banking microfinance institution in Romania, with over 14 years of experience in granting loans on the local market, especially towards micro and small entrepreneurs and small farmers.

PerMicro is a Turin-based Non-Banking Financial Intermediary specialized in microfinance products. PerMicro provides small loans to entrepreneurs or households, nationwide. It is designed for people who do not have an easy access to regular banks.

The Italian Microfinance Network (RITMI) is a non-profit organization founded in February 2008 that connects various institutions (up to now 24 members) that promote financial and social inclusion in Italy through financial services, supporting the creation of new entrepreneurship and employment, as well as the implementation of activities of Financial Education and commitment to local development.

IFN ROCREDIT mission is to promote and provide microfinance products as a tool to combat economic exclusion and promote small businesses in order to create new jobs.

Background and mission

The Romanian Microfinance Association (RMFA) was registered in December 2020, at the initiative of 14 Romanian microfinance institutions with the support from the MFC project "EU-level NGOs networks active in the promotion of social inclusion and poverty reduction or microfinance and social enterprise finance". The purpose of RMFA is to carry out activities in the interest of the microfinance community represented by the microfinance institutions, respectively to promote and protect the professional interests of its members, as well as for educating and developing the business community and the public in microfinance and business development support services.

ROMCOM is a Swiss-Romanian group of companies with 20 years of experience in providing development solutions for small and medium-sized enterprises in Romania through financing, consulting and business training services.

UNCAR is a nationwide, three-level non-profit organisation, encompassing 40 affiliated non-profit territorial unions (UTCARs) and 2,400 reciprocal aid associations (CARs).