• Product Type: Micropensions
  • Sector: Finance Oriented
  • Project Country: Rwanda



Enviu has a 14-year track record of running projects and building social ventures in the domains of financial inclusion, circular economy, and food security. Enviu founded People’s Pension Holding with funding and support from the Dutch Ministry of Foreign Affairs, Cordaid Foundation, and the Achmea Foundation.

Project Description

Enviu offers micropensions to the informal sector in Ghana, and is translating those learnings with a flexible pilot in rural Rwanda. The innovative product allows customers to withdraw a part of the annual contributions. This enables farmers to manage their uncertain and variable income.

Key Innovations

  • Although it is a pension product, customers have the possibility to withdraw 50% (max) of annual contributions. This strengthens the resilience of customer and builds trust with customers emphasizing that this is “their money, simply held in trust”
  • Company offers a combination of personal contact (sales and education are face to face) with a very high-tech back-end; High-touch and high-tech.
  • The entire customer journey from identification, to pay-in and administration, is integrated and automated to prevent mistakes, decreasing the operating cost and building trust. The process integrates four existing and proven systems: administration system, payment platform, identification system and a financial system.
  • Through a mobile platform, people can access from hard-to-reach territories. It supports individuals, including women, to make investment decisions independently and easy.
  • This solution has the potential to transform the rural financial landscape, as it will allow people to save money within a flexible program, which is key for farmers who have uncertain and variable income patterns.
  • Farmers get access to formal financial systems and interest rates upwards of 10% (in Ghana PPH realized 19% interest in 2017).