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productivity

investment thesis

lightrock’s impact

840k

SMEs supported

696m

of loans disbursed to SMEs (in USD)

15 000

businesses with improved customer communication

127 000

small merchants provided with better payment solution
Impact Objectives
Improving access to and use of responsible financial services for individuals and SMEs
Promoting an inclusive and sustainable financial sector
Fostering the adoption of technology in financial products and services
Promoting financial health and literacy
Theory of change
Problem
One out of three adults globally still do not have a bank account (Worldbank, 2017)

SMEs are facing a formal finance gap of USD 5.2 trillion p.a. (Worldbank, 2021)
Solution
Technological upgrading across the financial value chain
Digital is key to increasing access
Focus on responsible practices to minimize risk of negative impacts
Innovative solutions to unlock sources of capital
Outcomes
Increased individual productivity and economic opportunities leading to improved livelihoods and resilience
Higher business productivity and increased operational efficiency
Economic inclusion of SMEs
Sustained and new employment
Business model
Tech-driven financial services providers targeting underserved segments of the population and small businesses
Innovative financial value chain operators and service providers offering enabling tools
Digital lending platorms
Main SDGs and targets
1.4 access to basic services, new technology and financial services, including microfinance
9.3 increase access to financial services for SMEs and their integration into value chains
Additional SDGs
Impact Objectives
Transforming inefficient legacy sectors by fostering better business models and improved infrastructure
Increasing business productivity and efficiency through the adoption of technology and digitization
Theory of change
Problem
There is a widespread lack of business productivity hindering economic growth and social progress
Solution
Promote technology, big data, artificial intelligence (AI),automation and digitization to enable economic inclusion and sustainable productivity
Take an ecosystem approach to drive value creation and foster innovation
Outcomes
Increased business efficiency e.g., by allowing employees to do more productive and value enhancing tasks
Secondary positive outcomes for end consumers, employment, livelihoods
Optimized resource management and capital allocation
Business model
Tech-enabled tools to support efficient business operations
Enabling businesses that promote automation, big data, AI and digitization as a force of good
Main SDGs and targets
8.2 achieve higher levels of economic productivity through diversification, technological upgrading and innovation
Additional SDGs

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