You’ll find an answer to most of your questions here. If you have any other questions, please contact us. We’ll be happy to help you.
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.
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:
You can find adescription on our financial benefits page.
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 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.
You have two options:
Simply fill out this contact form.
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.
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’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.
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.
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.
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.