How it works?

We are thrilled to introduce the inception of Inclusive Ethic Capital through our Microequity project, an innovative initiative aimed at helping the less fortunate around the world overcome poverty by providing them access to financial tools used by the wealthier to enhance their well-being. For our pilot, we have chosen Peru, focusing on predominantly rural communities.

Beneficiaries and Objectives:

The beneficiaries of this project are individuals residing in developing countries, particularly in rural areas, who find themselves in conditions of poverty but have the determination to break free through the creation of micro-businesses, such as small shops. The goal is to provide them with the necessary financial tools to start and grow their businesses.

Investment Model:

Investors contribute a portion of their investment to the beneficiaries. For example, if an investor contributes 10 euros, 7.5 euros are invested in a portfolio of stocks and ETFs designed to maximize profits, with no management fees. Financial leverage ensures that the entire amount of 10 euros is effectively invested. The remaining 2.5 euros directly benefit the recipient in a two-phase process.

Responsible Credit:

Once a significant sum is accumulated, the money is disbursed in the form of credit, carefully managed by partner NGOs. This credit can be used to improve or start a business. Credit repayment occurs with flexible terms and very small interest.

Sustainable Financial Growth:

Once the entire debt is repaid, the returned capital is reinvested by Inclusive Ethic Capital in the ETF portfolio for the beneficiary's benefit. This means the investor gets back all their invested money. We continue investing with leverage, and 25% of the gains are allocated to the beneficiary to build their future, while the investor will not notice any difference. The investor continues to receive 100% of the profits from their investment, ensuring their financial goals are met. Meanwhile, the beneficiary's portfolio grows, mirroring those of wealthier savers in developed countries, ensuring financial security over time.