Who are our customers?

Clients of microcredit organizations are usually people with low monthly incomes and lower social status who do not have access to formal financial institutions. Clients are usually self-employed and often home-based entrepreneurs, and businesses involve the whole family.

The income from these small family businesses is in many cases the only income in the family that covers all household expenses and investments.

In urban areas, these customers are found as retailers, shopkeepers, street vendors, artisans, small-scale service activities, small production and so on. In rural areas, these are usually small farmers, individual agricultural producers, who produce food of vegetable and animal origin, such as dairy farmers, arable farmers, early gardeners and others.

Characteristic of both categories is their vulnerability to changes in the environment, which makes their income unstable and their business unstable.

The importance of financial support for this target group for society is great if you take into account the high unemployment rate and the reduced opportunities for these people from other types of employment.

HORIZONTI gives special attention to the woman-entrepreneur and her involvement in making decisions related to business or family.