Our Impact
We invest to deliver measurable social impact and financial returns.
Since 2008, we’ve backed financial institutions that provide low-income households and small businesses in emerging markets with the tools to thrive—from microfinance and affordable housing loans to digital banking and agri-tech solutions. Supported by our owners—DNB, Ferd, Impact Fund Denmark, KLP, and Norfund—and with $470M in total investor commitments, we combine catalytic public capital with private funding to de-risk investments, scale institutions sustainably, and generate measurable impact where it’s needed most.
Annual Report
After many years of sharing quarterly updates, we wanted to take a deeper look at the impact we’re part of creating across the year. This report goes beyond numbers—asking what’s changed for our end-customers. Are they more financially stable? Better able to handle shocks? Growing their businesses? By listening directly to those we aim to serve, we’re learning what works—and where we need to do more.
From the Ground Up: Insights and institutions behind the impact
This report brings together what we’ve seen and learned in 2024. We’ve spent a lot of time in the field—listening to customers and staff from our portfolio companies, understanding their realities, and seeing where financial services are making a difference and where challenges remain. Alongside case studies and our five impact themes, we also explore how our Norad-backed Technical Assistance facility supports the growth and resilience of our portfolio companies, enabling them to adapt to evolving customer needs.
Overcoming rural challenges | Mercy's story
Mercy Cherotich Tanui was a subsistence farmer before becoming a Juhudi Kilimo customer and expanding her business to include a small …
Watch our impact in action
There’s nothing we love more than getting out in the field with our portfolio companies and clients to understand more about their needs, challenges and progress.
Explore our Impact and ESG Framework
See how Abler Nordic contributes to the UN Sustainable Development Goals through five focus areas—Financial Access, Financial Resilience, Improved Income and Quality of Life, Climate Adaptation and Mitigation, and Food Security—empowering communities in emerging markets.
Stories behind the numbers
Behind every outcome we measure is a person navigating real choices, risks, and ambitions. From microfinance to affordable housing and agri-tech, our investments support low-income people across Sub-Saharan Africa and Asia to start and grow small businesses, strengthen resilience and create a better future for themselves and their families.
Ruth Wambui – Building Climate Resilience Through Innovative Farming
Jahira and Abdul: Growing Opportunities in Thirupachatti
