You want to use your money to contribute to sustainable solutions for our planet? Create added value with your money and invest in Alterfin shares!
Alterfin’s emissions largely depend on the investment managers' air travel. To offset its carbon footprint, Alterfin developed a partnership in 2015 with Acopagro, a cooperative of cocoa producers in the San Martín region of northern Peru. Through this partnership, we finance the annual planting of trees on the land of producers who are members of the cooperative. These plantations capture a volume of CO2 equivalent to our emissions during the previous year. Since 2015, we have had almost 60,000 trees planted. In addition, since 2018, we have been hiring investment managers in the region for which they are responsible. This has reduced the distances travelled.
Alterfin’s shareholders are the owners of the co-operative. They have the right to scrutinize and control the co-operative by participating in the Annual General Meeting. The votes of each co-op member are equal to the number of shares he/she owns. However, no co-op member may hold more than 10% of the total number of votes at the AGM. This helps guarantee a democratic decision-making process.
The Annual General Meeting is held on the last Saturday of April. All co-op members receive an invitation two weeks before the meeting.
Alterfin provides a private online space for its co-op members: MyAlterfin.
Request an account on MyAlterfin using your email address or via itsme. As soon as we have activated your account, you will be able to view your Alterfin investment online, edit your contact details and download your extract.
Simply fill out this contact form.
You have two options:
You have three options:
Every year, when the dividend is calculated, Alterfin informs its partners of the amount deposited in the individual account. Co-op members can then let Alterfin know what they wish to do with their dividend. If you do not respond to this, you can always contact us and let us know what you want to do with the amount.
In accordance withour bylaws, co-op members may request partial or total repayment of their shares during the first six months of the financial year (from January 1 to June 30).
A few important remarks concerning these repayments:
In practice: towithdraw in part or completely from Alterfin’s capital, please contact us.
You can find adescription on our financial benefits page.
Investing in the shares involves certain risks. An investor is exposed to the risk of losing all or part of his investment. You are about to purchase a product that is not simple and may be difficult to understand.
Each of these risk factors must be carefully studied and assessed before investing in the shares, especially:
Before buying cooperative shares, we advise you to carefully read the information note and the key information document.
To buy more Alterfin shares, simply pay the amount of your choice into Alterfin SC’s bank account:
Remember to include your personal structured reference number.
There is no need to fill out the application form again.
No, there are no fees.
A micro-entrepreneur is a person who runs a small business such as a grocery store, a food cart or a service business. They are often in need of economic support to launch, operate or expand their businesses, but they are considered “high-risk” by traditional banks because they cannot provide substantial collateral, and are often part of the informal economy. They are financed by microloans: small loans provided by MFIs for people who have no collateral, no credit history, no savings and/or no employment history. These modest loans are often sufficient to get these small local businesses off the ground.
Smallholder farmers are small-scale farmers, pastoralists, forest keepers and fishers who manage areas of up to 10 hectares (25 acres). The majority of smallholder farmers working with Alterfin have landholdings of no more than 2 hectares (5 acres). Smallholder farmers usually work at a household level, mainly relying on family labor for production and using part of the harvest for family consumption. They often form the backbone of economic activity in developing countries’ rural communities.
Just fill out our application form and make your payment.
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I spent a long time looking for a meaningful way to invest my savings. Investments with big banks don’t appeal to me because I don’t think their commitment to sustainability goes far enough. I’m willing to take risks when the cause seems worthwhile; my goal isn’t just to see my money grow.
I like to travel and discover the differences between countries. When I visit a country, I want to contribute to the local economy, but often I don't know how. For me, investing in Alterfin shares is the answer.
Every small step counts as we move towards an inclusive, sustainable and socially responsible economy. But a few million euros aren’t enough to change a system that destroys the planet and creates inequality. That’s why I believe in working together and in global solidarity: alone, we go faster, but together, we go further.
Alterfin’s work has a positive influence on the quality of life of many hard-working smallholder producers. Alterfin analyzes the social and environmental impact of each investment, which is really valuable. The savings we invest via Alterfin help make a difference for millions of families.
Alterfin is an excellent alternative to traditional bank investments. You don't have to invest large sums to become a co-op member and support the transition to a fair world.
"The loans that Alterfin grants to its partners positively impact the local economy in the countries where it is active. I am convinced that people in low- and middle-income countries want to move forward and take the initiative to develop their businesses. The main obstacle is often the lack of money, and that's where Alterfin comes in."
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"Thanks to CPC, I can send my child to school, repay my debts, and save money. The cooperative has brought positive changes to our community, including better infrastructure and access to low-interest funds. Now, with the school and clinic nearby, I can save on expenses."
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"Last year, we had to borrow from Alterfin to pre-finance our farmers earlier than usual to ensure their loyalty in a growingly competitive environment. Alterfin's flexibility and responsiveness to our needs help us navigate a challenging coffee market in a volatile global economic context."
"I had funds in a savings account but realized they could be better used elsewhere. So, I decided to invest them with Alterfin. Now, these funds can be useful to small entrepreneurs and farmers, helping them start their business and become self-reliant."
"For me, the most crucial aspect is truly the social impact. Investing my money doesn't bother me at all, even if the return doesn't match, for example, the stock market or a savings plan. Indeed, with Alterfin, I know exactly what my investment will contribute to."
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"Another advantage of being a cooperative member is getting good prices. With these prices, we can invest in things that improve our work, which is really important. In addition, we get compost from CPC that helps us have healthy coffee plantations before harvest."
"Thanks to CPC, I can send my child to school, repay my debts, and save money. The cooperative has brought positive changes to our community, including better infrastructure and access to low-interest funds. Now, with the school and clinic nearby, I can save on expenses."
"For me, the most crucial aspect is truly the social impact. Investing my money doesn't bother me at all, even if the return doesn't match, for example, the stock market or a savings plan. Indeed, with Alterfin, I know exactly what my investment will contribute to."
"The loans that Alterfin grants to its partners positively impact the local economy in the countries where it is active. I am convinced that people in low- and middle-income countries want to move forward and take the initiative to develop their businesses. The main obstacle is often the lack of money, and that's where Alterfin comes in."
"Another advantage of being a cooperative member is getting good prices. With these prices, we can invest in things that improve our work, which is really important. In addition, we get compost from CPC that helps us have healthy coffee plantations before harvest."
"Last year, we had to borrow from Alterfin to pre-finance our farmers earlier than usual to ensure their loyalty in a growingly competitive environment. Alterfin's flexibility and responsiveness to our needs help us navigate a challenging coffee market in a volatile global economic context."
"I had funds in a savings account but realized they could be better used elsewhere. So, I decided to invest them with Alterfin. Now, these funds can be useful to small entrepreneurs and farmers, helping them start their business and become self-reliant."
Every small step counts as we move towards an inclusive, sustainable and socially responsible economy. But a few million euros aren’t enough to change a system that destroys the planet and creates inequality. That’s why I believe in working together and in global solidarity: alone, we go faster, but together, we go further.
I like to travel and discover the differences between countries. When I visit a country, I want to contribute to the local economy, but often I don't know how. For me, investing in Alterfin shares is the answer.
Alterfin is an excellent alternative to traditional bank investments. You don't have to invest large sums to become a co-op member and support the transition to a fair world.
I spent a long time looking for a meaningful way to invest my savings. Investments with big banks don’t appeal to me because I don’t think their commitment to sustainability goes far enough. I’m willing to take risks when the cause seems worthwhile; my goal isn’t just to see my money grow.
Alterfin’s work has a positive influence on the quality of life of many hard-working smallholder producers. Alterfin analyzes the social and environmental impact of each investment, which is really valuable. The savings we invest via Alterfin help make a difference for millions of families.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.
