Social inclusion: Success story of Shadrack Niyonkuru from Karusi
Shadrack Niyonkuru is a group leader from Kanyereza GR1, Nzibariba area, Buhiga district in Karusi province. In his group, the G50's approach has helped them take care of their respective needs by cultivating for each other. They plan ahead of time, get together and go to work in one of their fields. In return, the owner(one of the group members) pays them 300bif each to work from early morning until 11am.
“Because of this mutual aid, we no longer have to hire daily workers who cost us food and money. We will work in a single field, get paid 300bif and return home at 11 am to eat from there ”explains Shadrack Niyonkuru.
In addition, when one of them from the G50 falls sick and is admitted to the hospital, they can pay for his medical insurance. Sometimes it is a family member who gets sick; they also support the family. The group members continue to work in the field in the absence of the sick member or they pay his hospital bill and he can return home as soon as he is cured.
“On the other hand, we have a common field that belongs to the whole group. To get this land, we started cultivating for each other as a group for about 5 months. When we got the money that we had been working for, we gathered it and looked for someone who had land of almost an acre and we rented it. In this property, we implement the good agricultural practices learned through Agricoach, and each member of the group learns goes to apply the knowledge in his own field ”says Shadrack N.
Being in a G50 is indeed useful for members who understand all of its advantages.
Fighting against Covid 19: where are we at in our G50s?
Slightly over one year after the introduction of HealthCoach in the G50s, handmade washing stations can be easily noticed almost everywhere in homes, schools and bars. Indeed, farmers have been taught how to make them by government social workers. At the same time, the informative short videos they have in the tablets always help to enhance the awareness but also increase their knowledge of the barrier rules. The battle against Covid 19 is not yet won. It takes daily action to protect oneself and the whole community and farmers understood it very well.
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What it is like to be an agent of change: testimony of Aimable Bigendako, an MA of Karusi
As an MA, I have the privilege to be on the front line of the G50 network and to get a hands on experience in helping rural communities gain in financial and social inclusion. The fact that we work in a ....read more
PNSEB before and after N'iCash
We all know that to obtain good and satisfactory results in agriculture, fertilizer is essential. Nevertheless, it was not always easy for farmers to have access to these fertilizers because it was necessary to go to the municipality to pay the ....read more
Introducing NutritionCoach
The NutritionCoach is a tool within the UMVA SYSTEM that aims to combat malnutrition. It provides information on a heathy diet and heathy feeding behaviors in a self-explanatory manner using short movies, pictures and texts in conjunction with the current practice ....read more
About AUXFIN
AUXFIN aims to deliver financial solutions that are accessible to all, including vulnerable populations with low literacy and numeracy skills, limited access to internet, no- or low access to electricity, and limited experience with mobile and other technologies.
Vision
The vision of AUXFIN is to develop value networks accessible to all. This leads to development of the Rural Financial ECO System and the ICT infrastructure; with the development of the Migrant Financial ECO System and the use of remittances as a financial catalyst for rural development; enabling capacity building, financial inclusion and economic development.
Mission
The mission of AUXFIN is: 'Financial Access for All'. This means to deliver, against very low prices, basic elementary banking functions such as registration, savings, loans and payments. However, recognizing that some vulnerable participants may require additional assistance to complete a transaction, trained agents and digital coaches are foreseen in our community activation platform. Delivering solutions that offer an appropriate balance between accessibility for all users, while still offering efficiency and transparency gains, is our daily challenge.Several types of organizations can use the platform free of charge, leading to fast and scalable installations and a large user-base. The many transactions result in big data that is the basis for development plans of Government and NGO's.
To deliver on our mission we use 3 main solutions: UMVA, AUX-EL and Jeanne.
UMVA (Universal Method of Value Acces) is a set of interconnected solutions that forms the backbone of our work and consists of:
- UMVA CLIENT, the e-banking solution for members
- UMVA BANK, the core banking solution in the cloud
- UMVA LOCAL, the banking solution for locations without internet
- UMVA AGENT, the solution for the last mile
- REG REP, the registration solution for cooperatives, schools and hospitals
- UMVA COOP, the core management solution for Cooperatives
- GEO UMVA, the GEO database solution
AUX-EL is the e-Learning tool for UMVA users providing online courses that are tailor-made to the skills and needs of the users.
Jeanne is the digital coach with chatbot technology.
Cornelis Heesbeen
CEO, Founder of AUXFIN, UMVA and AUXEL
cornelis.heesbeen@auxfin.comCornelis Heesbeen has more than 40 years work experience, 7 years in Finance in Developing countries, 17 years in Information Technology with companies like Airport Schiphol, SAP and i2Technologies, 17 years in accounting. AUXFIN INTERNATIONAL is incorporated in 2013.
Marco van Andel
Chief Operating Officer
marcovanandel@auxfin.comMarco van Andel has more than 20 years work experience, 10 years in Finance in Developing countries, most notably in Mozambique and Senegal, and 10 years in Insurance. Marco holds a degree in Business Administration for the Financial Sector of Free University of Amsterdam and a Master in Development Economics from Sussex.
Mark van den Brink
Chief Financial Officer
mark.vandenbrink@auxfin.comMark van den Brink has more than 20 years work experience as a Finance Director in particularly fast growing software organizations. A seasoned financial who drives change being focused on results with international expertise in highly changing environments. Been part of several acquisitions, mergers and investments. Mark holds a bachelor degree in Financ/Accounting.
Andre Jellema
Agricultural program manager
andre.jellema@auxfin.com
Jori Langwerden
Specialist agricultural applications and M&E
jori.langwerden@auxfin.com
Claudia Kool
Financial Controller
claudia.kool@auxfin.com
Welmoed Sprong
Nutrition Expert
welmoed.sprong@auxfin.com
Sabin Maharjan
Development Manager
sabin.maharjan@auxfin.comSabin has more than 13 years work experience. The organization develops the UMVA Platform since 2011. Sabin holds a bachelor degree in Computer technology at Tribhuvan University, Nepal. AUXFIN Nepal is incorporated on 2011.
Yannick Chokola
Territory Manager AUXFIN Burundi / Financial Inclusion Expert
yannick.chokola@auxfin.comYannick has more than 7 years work experience. The team works on UMVA projects since 2013. Yannick holds a bachelor in computer science at Université du lac tanganyika, Burundi. AUXFIN Burundi is incorporated in 2016.
Sujata Joshi
Senior Graphics Designer/ QA
sujata.joshi@auxfin.com
Bikram Maharjan
Team Leader
bikram.maharjan@auxfin.com
Samjhana Tuladhar
Senior Developer
samjhana.tuladhar@auxfin.com
Jayan Kapali
Senior Developer
jayan.kapali@auxfin.com
Niroj Maharjan
Senior Developer (NextLevelValue)
niroj@nextlevelvalue.nl
Rojma Shrestha
App Developer
rojma.shrestha@auxfin.com
Samir Prajapati
Fullstack PHP Developer
samir.prajapati@auxfin.com
Sajan Awale
Developer (NextLevelValue)
sajan@nextlevelvalue.nl
Shreejala Tuladhar
App Developer
shreejala.tuladhar@auxfin.com
Jaffar Rushigaje
Value Chains Expert Agronom
jaffar.rushigaje@auxfin.com
Freddy Ditutu Kambayi
Consultant Financial Inclusion/ Team Leader
kambayi.freddy@auxfin.com
Irakoze Chaddia
Financial Consultant
irakoze.chaddia@auxfin.com
Yves Patrick Iradukunda
Marketing/Sales Representative
yves-patrick.iradukunda@auxfin.com
Dr. Lydia Moukoury
Health Specialist
lydia.moukoury@auxfin.com
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2019
2019
- AgriCoach V1a successfully launched in Burundi on the UMVA tablet.
- 3.300 farmers/households are using the weatherforecast to better plan their agricultural activities
- Smart farming geodata platform implemented into the UMVA system
- REGISTRATION APP launched for on line and off line use
- MAPPING APP launched for on line mapping
- GIZ awards grant to AUXFIN and partners for IDDEA project in UGANDA
- UMVA PAYMENT APP and POS APP used for rainmetering in Burundi
- JEANNE tool for communication and chatbot used for M&E
- Scoping mission Sudan
- start potato supply chain Kenya
- Waterwatch included
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2018
2018
- NSO awards grant to AUXFIN and partners for GAP4A project in Burundi
- UMVA and PosteCash Senegal announce interoperability
- AUXFIN and UMVA present at IFAD marketplace in UN headquarters in New York.
- Launch of UMVA in Mali with support from Mastercard Foundation's Fund for Rural Prosperity
- Connecting UMVA solutions with GEO DATA
- UMVA PAYMENT APP and POS APP
- JEANNE tool for communication and chatbot, with incident reporting
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2017
2017
- AfDB commissioned market study for the introduction of UMVA in Mali, Ivory Coast and Burkina Faso
- Introduction of UMVA in Italy with support from IOM
- Scoping mission in Lebanon to enable Cash Assistance with UMVA
- Burundi growing to 170.000 families (1 million people)
- POSTE-CASH with UMVA link with 3000 access points in Senegal
- UMVA COOP fase 1 implemented
- GEO developed
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2016
2016
- SALPOST introduces POSTUMVA in Sierra Leone on 16th of June, the international day of family remittances
- UMVA projects in Burundi reach 30.000 families
- CAP solution introduced, with 6 pillars
- UMVA AGENT introduced
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2015
2015
- AfDB provides a grant to our partner in Senegal to leverage the UMVA service towards financial inclusion
- Study to use UMVA in refugee camps in Kurdistan
- Introduction of community activation in Burundi
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2014
2014
- Rabobank funds our partner in Senegal to introduce the UMVA service across its branch network
- Introduction of UMVA in Belgium and the Netherlands
- Creation of AUXFIN Burundi
- First implementation for payment process on the PSEB fertilizer project
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2013
2013
- Introduction of UMVA in France
- Development of UMVA LOAN solution
- School registration system installed in Nepal
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2012
2012
- Introduction of UMVA in Spain
- UMVA Bank developed with focus on SACCO’s
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2011
2011
- Birth of AUXFIN International to boost the implementation of the UMVA solutions
- Launch of UMVA pilot in Senegal with support from IFAD
- UMVA Client developed with focus on international transfers
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