Before you can apply for the Microfinance fund you will need to complete an Appropriateness Assessment. This will help us understand your knowledge and experience of this type of investment.
An Appropriateness Assessment can be downloaded below.
If we deem that the Triodos Microfinance fund is an appropriate investment for you, we will provide you with an application pack. Please note, that assessing the appropriateness of the Triodos Microfinance fund for you is not the same as providing financial advice. If you are unsure in any way whether the Triodos Microfinance fund is a suitable investment for you, you should seek independent financial advice. If you don't have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk.
Based on your responses to the questions in this assessment, if we deem that the Triodos Microfinance fund is not an appropriate investment for you, we will let you know and you will not be able to continue with your application. You may wish to look at an alternative product in the Triodos range in order to invest or save ethically.
Triodos Investment Management is a wholly-owned subsidiary of Triodos Bank, and have been active in the sustainable investment sector for over 25 years. Triodos Investment Management manage investments ranging from sustainable energy infrastructure to microfinance institutions, and individuals in the UK can invest in the Triodos Global Equities Impact Fund, Triodos Pioneer Impact Fund and Microfinance Fund.
Our microfinance partners value the knowledge and expertise we bring to their business as an independent, values-driven bank, which shares their vision.
Another thing that sets us apart is our long experience in equity investments, which has enabled us to develop strong long term relationships, further reinforced by our active board membership in all investee companies and on the ground due diligence.
The outstanding professionalism and excellent reputation of our dedicated investment team provide a further compelling reason to invest in the microfinance sector with Triodos.
Yes with effect from 6 April 2019, we will be changing the bank account we use to accept electronic bank transfers to invest in the Triodos Impact Investment Funds and Triodos Microfinance Fund.
Our bank details can also be found in our terms and conditions, application and top-up forms on our website.
If you have previously made an electronic payment through your online banking and have saved the details as a payee, please ensure you update them before making any payments from 6 April 2019.
The target of the Microfinance Fund is to invest 25-40% of its assets in equity (mostly local currency), up to 20% in subordinated and/or convertible debt (mostly local currency), 30-40% in local currency senior debt instruments and 10-20% in senior debt instruments denominated in U.S. Dollars and Euros. At least 10% of its assets will be invested in liquid assets.
Triodos Bank offer a non-advised execution only investment service and it is important that investors understand the risks associated with investing in the Triodos Microfinance fund prior to investing. An overview of the key risks of investing in the fund can be found below, and a comprehensive list of risks can be found in the Prospectus.
- The Triodos Microfinance fund is active in developing countries that are generally considered to be higher risk than their developed counterparts that have more established and diversified economies
- The Triodos Microfinance is active specifically in the microfinance and inclusive finance sectors, and whilst investments are spread across different organisations and regions, the success of the fund is dependent of the success of this sector
- Whilst the Triodos Microfinance fund hedges against currency fluctuations to the extent practical and appropriate, fluctuations in the value of developing country’s currencies both negatively and positively impact the value of your investment
- The Triodos Microfinance fund provides loans and equity to primarily unlisted microfinance institutions and banks, and there is no guarantee that there will be sufficient liquidity to meet redemption requests and you may have to wait to receive your sales proceeds
If you are unsure if the Triodos Microfinance Fund is the right investment for you, please seek independent financial advice. If you don’t have an independent financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk
We believe that microfinance has a valuable role to play in lifting people out of poverty, and helping to create a fairer, more sustainable world. On the basis of this strongly held belief, we started investing in the microfinance sector in 1994, taking on the management of two foundation funds.
As a result, we've been able to build relationships and develop our understanding of the sector, from its earliest days; and we have funded a number of microfinance institutions that have subsequently become among the most successful in the world.