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The Background

The Middle East and Africa region is facing a myriad of societal, environmental & economic challenges

food and water icon

Food Insecurity & Water Scarcity

political-instability-icon

Conflict & Political Instability

refugees-icon

Refugees & Displaced Populations

environmental erosion icon

Environmental Erosion

poverty icon

Escalating Poverty Rates since 2010

education icon

Lack of Education

food and water icon

Food Insecurity & Water Scarcity

political-instability-icon

Conflict & Political Instability

refugees-icon

Refugees & Displaced Populations

environmental erosion icon

Environmental Erosion

poverty icon

Escalating Poverty Rates since 2010

education icon

Lack of Education

The Problem

Lack of Access to Funding and Value Creating Funds

(distinct from charitable contributions that often have a single lifetime)

Early-stage social enterprises in the Middle East and Africa region, particularly women-owned, find themselves in a precarious position, having exhausted avenues for accessing funding opportunities, such as grants and financial support from family and friends, as they strive to secure the sustenance and expansion of their enterprises.

Access to finance is a challenge for most social enterprises across MEA and there is a lack of customized and suitable financing instruments. They also lack effective linkages with domestic and global markets due to the lack of market infrastructure for impact-seeking enterprises.

Furthermore, they have yet to reach the growth and maturity levels that would capture more commercial funders and impact investors’ interest.

The Problem

Lack of Access to Funding and Value Creating Funds

(distinct from charitable contributions that often have a single lifetime)

Early-stage social enterprises in the Middle East and Africa region, particularly women-owned, find themselves in a precarious position, having exhausted avenues for accessing funding opportunities, such as grants and financial support from family and friends, as they strive to secure the sustenance and expansion of their enterprises.

Access to finance is a challenge for most social enterprises across MEA and there is a lack of customized and suitable financing instruments. They also lack effective linkages with domestic and global markets due to the lack of market infrastructure for impact-seeking enterprises.

Furthermore, they have yet to reach the growth and maturity levels that would capture more commercial funders and impact investors’ interest.

Charity money has one life, but social business money has endless life.

 – Muhammad Yunus

More than

0 %

of social enterprises fail after year 4-6 mark due to insufficient funding and inadequate financial literacy*

* According to the World Economic Forum

Less than

0 %

of Financial Institutions in MENA offer financing solutions to SMEs

Up to

0 %

the interest rate charged by loan
sharks

More than

$ 0 bn

of social enterprises fail after year 4-6 mark due to insufficient funding and inadequate financial literacy*

More than

0 %

of social enterprises fail after year 4-6 mark due to insufficient funding and inadequate financial literacy*

* According to the World Economic Forum

Less than

0 %

of Financial Institutions in MENA offer financing solutions to SMEs

Up to

0 %

the interest rate charged by loan
sharks

More than

$ 0 bn

of social enterprises fail after year 4-6 mark due to insufficient funding and inadequate financial literacy

business-people-meeting-together-showing-graph

Our Solution

To provide financial and non-financial solutions to Middle East and Africa early-stage high-impact women-owned social enterprises (serving in underprivileged communities) with scalable solutions, so they can grow sustainably and strategically and, therefore, become investor-ready for impact investors who seek both financial and impact returns.

business-people-meeting-together-showing-graph

$5,000 - $40,000

Collateral Free Loans

0%

Interest Rate

12-18 months

Repayment Period (Customized to align with the unique business models of each enterprise, ensuring a manageable repayment process)

Financial Solution

Women-owned early-stage social enterprise applicants will be selected to receive between $5,000 and $40,000 in the form of a collateral-free loan with a 0% interest rate. To prevent undue financial strain, repayment periods and terms are customized to align with the unique business models of each enterprise, ensuring a manageable repayment process (repayments done on a quarterly/ trimestrial / bi-yearly basis over 12 to 18 months). 

The borrowers will also benefit from an intervention-based program highlighting a corrective course of action to avoid specific failures in their revenue and impact models & strategies, mentorship programs, well-being programs, and access to a thriving online community of like-minded women.

The loans will be strictly used to increase sales through equipment & machinery purchasing, raw materials & supplies purchasing, staff hiring, training & development, and digital marketing.

Non-Financial Solution

one to one icon
Personalized one-to-one interventions aiming at rectifying recurring mistakes and addressing loopholes to improve Revenue & Impact Models and Strategies
mentorship icon
Mentorship programs that are tailored to the specific needs and goals of our founders
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Well-being programs that are designed to support the overall wellness of our founders
team blue
Access to a vibrant online community of like-minded women, fostering collaboration, support and networking opportunities
one to one icon
Personalized one-to-one interventions aiming at rectifying recurring mistakes and addressing loopholes to improve Revenue & Impact Models and Strategies
mentorship icon
Mentorship programs that are tailored to the specific needs and goals of our founders
wellbeing icon
Well-being programs that are designed to support the overall wellness of our founders
team blue
Access to a vibrant online community of like-minded women, fostering collaboration, support and networking opportunities
several people holding a globe made of scrap and clothes in green and blue color

We Are Aligned with The Sustainable Development Goals

We select early stage women-owned social enterprises serving in underprivileged communities that address environmental and social issues related to sustainable development and economic empowerment. This includes a focus on agribusiness (food security), waste management, ethical & sustainable fashion and affordable & sustainable housing.

At RAMA Impact, we tackle the below SDGs:

NO POVERTY

ZERO HUNGER

GENDER EQUALITY

DECENT WORK AND ECONOMIC GROWTH 

REDUCED INEQUALITIES

RESPONSIBLE CONSUMPTION AND PRODUCTION

CLIMATE ACTION

 

NO POVERTY

ZERO HUNGER

GENDER EQUALITY

DECENT WORK AND ECONOMIC GROWTH 

REDUCED INEQUALITIES

RESPONSIBLE CONSUMPTION AND PRODUCTION

CLIMATE ACTION