{"id":26195,"date":"2025-05-08T11:19:55","date_gmt":"2025-05-08T09:19:55","guid":{"rendered":"https:\/\/norfundweb.wpenginepowered.com\/?page_id=26195"},"modified":"2025-12-04T14:50:10","modified_gmt":"2025-12-04T13:50:10","slug":"financial-inclusion","status":"publish","type":"page","link":"https:\/\/www.norfund.no\/no\/financial-inclusion\/","title":{"rendered":"Finansiell inkludering"},"content":{"rendered":"\n<section id=\"acf-subpage-hero-block_839875450b53a9ddb5f68e299e3c0a5b\" class=\"block-section subpage-hero banner-margin wp-block-acf-subpage-hero\">\n\n\n\t\t\n\t\t\t\t\t<div class=\"video-wrapper\">\n\t\t\t\t<video class=\"bg-video\" autoplay muted loop playsinline>\n\t\t\t\t\t<source src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/06\/Financial-Inclusion-loop.mp4\" type=\"video\/mp4\" \/>\n\t\t\t\t<\/video>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"overlay\"><\/div>\n\t\t\n\n\n\t\n\t\t<div class=\"block-section-wrapper element-width--full \">\n\t\t\t<div class=\"hero-content-with-backgound\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"200\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"hero-title \" tabindex=\"0\">\n\t\t\t\t\t\t<h2 class=\"heading-size-large\">Finansiell inkludering<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"small-text\" tabindex=\"0\">\n\t\t\t\t\t\t<p>Utvide tilgangen til finansiering<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t\n<\/section>\n\n\n<section id=\"acf-article-block_330b965bb2bcecd42009f0c678c605c8\" data-anchor-title=\"Bakgrunn\"class=\"block-section article block--less-spacing-top block--less-spacing-bottom wp-block-acf-article\">\n\t<div class=\"block-section-wrapper element-width--wide\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\t\t<div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Hvorfor investere i finansiell inkludering?<\/h2>\n\n\n\n<p>Finansiell inkludering viser til tiltak som gj\u00f8r finansielle produkter og tjenester tilgjengelige og rimelige for alle bedrifter og enkeltpersoner.<\/p>\n\n\n\n<p>I lav- og mellominntektsregioner er finanssektoren ofte lite utviklet. Bedrifter og privatpersoner har begrenset tilgang til grunnleggende finansielle tjenester, som bankkontoer, betalingsl\u00f8sninger og kreditt. P\u00e5 tvers av utviklingsland ansl\u00e5s det at 65 millioner formelle <a href=\"https:\/\/www.worldbank.org\/en\/topic\/smefinance\">mikro-, sm\u00e5- og mellomstore bedrifter (MSME-er)<\/a> har udekkede finansieringsbehov, og globalt st\u00e5r om lag 1,4 milliarder voksne uten bankforbindelse, med enda flere som er underbetjent av finanssektoren.<\/p>\n\n\n\n<p>Tradisjonelle banker i mange utviklingsland har historisk sett hatt en uforholdsmessig lav andel av utl\u00e5n rettet mot prim\u00e6rjordbruk samt akt\u00f8rer i mat- og landbruksverdikjeder. Ved \u00e5 investere i utviklingen av banker og mikrofinansinstitusjoner kan flere b\u00f8nder f\u00e5 tilgang til l\u00e5n for \u00e5 investere i alt fra nye verkt\u00f8y og s\u00e5kornsorter til kunstgj\u00f8dsel og vanningssystemer. Dette \u00f8ker produktiviteten og gj\u00f8r produksjonen mer klimaresistent.<\/p>\n\n\n\n<p>Gjennom investeringer i brede finansielle institusjoner, fintech og mikrofinans bidrar vi til \u00e5 fjerne barrierer som hindrer mennesker i \u00e5 delta i finanssektoren, og til \u00e5 styrke privat sektor-utvikling og jobbskaping i utviklingsland.<\/p>\n\n<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"acf-article-block_0dc1c5e2703cfca6414e740e1810413b\" data-anchor-title=\"Commercial banks\"class=\"block-section article block--less-spacing-top block--less-spacing-bottom wp-block-acf-article\">\n\t<div class=\"block-section-wrapper element-width--wide\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\t\t<div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading heading-size-normal\">Hva vi investerer i<\/h2>\n\n\n\n<h3 class=\"wp-block-heading heading-size-normal\">Kommersielle banker<\/h3>\n\n\n\n<p>Banksektoren i fattige land er ofte lite utviklet. Norfund har som m\u00e5l \u00e5 bidra til \u00e5 utvikle effektive og skalerbare banker som kan tilby mer m\u00e5lrettede og rimeligere tjenester til sm\u00e5 og mellomstore bedrifter (SMB-er), detaljmarkedet og enkeltpersoner. Dette kan oppn\u00e5s gjennom en kombinasjon av kompetanseutvikling og bruk av teknologi, samt i mange tilfeller forbedret selskapsstyring.<\/p>\n\n<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"acf-shortcut-boxes-block_019eca44c57c0c095a220b1eed1dc09e\" class=\"block-section shortcut-boxes block--less-spacing-top block--less-spacing-bottom wp-block-acf-shortcut-boxes\">\n\t<div class=\"block-section-wrapper element-width--full\">\n\t\t<div class=\"shortcut-cards thubmail-container\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Equity-Bank-Mombasa-45-ID-299954-1536x864-1-640x360.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink1\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/banking-the-unbanked\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tBanktjenester til dem uten banktilgang i Kenya\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \">  <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"600\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/planet-volumes-m-4m8fHLtLE-unsplash-640x366.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink2\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/norfunds-first-equity-investment-in-bangladesh\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tNorfund&#039;s first equity investment in Bangladesh\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \">  <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"900\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/1-1024x684-1-640x428.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink3\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/norfund-invests-in-salvadorian-bank-to-finance-smes-and-renewables\/\" target=\"_self\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tNorfund investerer i salvadoransk bank for \u00e5 finansiere SMB-er og fornybar energi\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \"> <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"1200\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/japazon-fonkwo-AKYU_WGWKhA-unsplash-640x480.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink4\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/dfcu-bank-increased-financial-access\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tDCFU Bank i Uganda\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \">  <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<section id=\"acf-article-block_e8c027c814f63e63c5beac40db20ecb2\" data-anchor-title=\"Fintech\"class=\"block-section article wp-block-acf-article\">\n\t<div class=\"block-section-wrapper element-width--wide\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\t\t<div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading heading-size-normal\">Fintech<\/h3>\n\n\n\n<p>Selv om mange mennesker mangler tilgang til finansielle tjenester, har langt flere tilgang til mobiltelefon, noe som gj\u00f8r dette til et nyttig verkt\u00f8y for \u00e5 tette gapet. FinTech kan utvide bredden av tilgjengelige finansielle tjenester. V\u00e5rt mandat er \u00e5 \u00f8ke finansiell inkludering, og FinTech er derfor et naturlig satsingsomr\u00e5de for Norfund.<\/p>\n\n<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"acf-shortcut-boxes-block_982d1982c8a3c490f5b8fdcd11c5a014\" class=\"block-section shortcut-boxes block--less-spacing-top block--less-spacing-bottom wp-block-acf-shortcut-boxes\">\n\t<div class=\"block-section-wrapper element-width--full\">\n\t\t<div class=\"shortcut-cards thubmail-container\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/54470869061_24c50f4206_o-1-640x426.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink1\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/fintech-drives-financial-inclusion-in-west-africa\/\" target=\"_self\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tNew fintech investment drived financial inclusion in West Africa\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \">  <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"600\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/53599371988_942a3bdd59_o-1024x683-1-640x427.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink2\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/norfund-with-first-fintech-equity-investment-in-indonesian-awantunai\/\" target=\"_self\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tNorfund med sin f\u00f8rste fintech-egenkapitalinvestering i indonesiske AwanTunai\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \">  <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"900\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/jack-young-QH0Y2aYUZGw-unsplash-640x427.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink3\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/norfund-invests-in-asian-fintech-smes\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tNorfund investerer i fintech som retter seg mot SMB-er\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \"> <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"1200\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/06\/Wagely_customers2-480x640.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink4\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/new-fund-investment-to-support-tech-enabled-financial-inclusion-in-asia\/\" target=\"_self\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tNy fondsinvestering skal st\u00f8tte teknologi\u00addrevet finansiell inkludering i Asia\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \">  <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<section id=\"acf-article-block_641e9b7c8eacf5f0d5992553d75c96fd\" data-anchor-title=\"Mikrofinans\"class=\"block-section article wp-block-acf-article\">\n\t<div class=\"block-section-wrapper element-width--wide\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\t\t<div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading heading-size-normal\">Mikrofinans<\/h3>\n\n\n\n<p>Mikrofinans omfatter finansielle tjenester til lavinntektsentrepren\u00f8rer og mikrobedrifter som ikke har tilgang til tradisjonelle banktjenester. Tjenestene omfatter vanligvis mikrokreditt, innskudd og forsikring. Norfund investerer i kommersialiserte mikrofinansinstitusjoner med vilje og evne til \u00e5 skalere, n\u00e5 bredt ut og levere sterk utviklingseffekt. Etterlevelse av <a href=\"https:\/\/cerise-sptf.org\/client-protection-pathway\/\">Client Protection Pathway<\/a> oppmuntres.<\/p>\n\n<\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"acf-shortcut-boxes-block_6e5ec7a7d077352133f8b8f5d7dba94e\" class=\"block-section shortcut-boxes block--less-spacing-top block--less-spacing-bottom wp-block-acf-shortcut-boxes\">\n\t<div class=\"block-section-wrapper element-width--full\">\n\t\t<div class=\"shortcut-cards thubmail-container\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/ajay-karpur-OXTUa-5PSO8-unsplash-640x427.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink1\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/supporting-financial-institutions-in-myanmar\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tSt\u00f8tter finansiell inkludering i Myanmar\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \">   <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"600\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/alexander-schimmeck-wsmCCh1F1uM-unsplash-640x426.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink2\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/investing-in-financial-inclusion-in-myanmar\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tNy fondsinvestering skal st\u00f8tte teknologi\u00addrevet finansiell inkludering i Asia\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \">  <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"900\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/sippakorn-yamkasikorn-WKVKLkIyjAE-unsplash-640x427.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink3\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/microfinance-and-digital-financial-services-to-rural-economies-in-indonesia-2\/\" target=\"_self\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tMikrofinans og digitale finansielle tjenester til kvinnelige entrepren\u00f8rer i rurale Indonesia\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \">  <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"card-details thumbnail-box\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"1200\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"thumbnail \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/genesis-340x340.jpg\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a id=\"itemLink4\" class=\"thumbail-link\" href=\"https:\/\/www.norfund.no\/norfund-invests-20-million-to-provide-microloans-for-guatemalan-entrepreneurs\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.norfund.no\/wp-content\/themes\/norfundweb\/src\/images\/icons\/link-arrow.svg\" alt=\"read-more\">\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t\tNorfund investerer 20 millioner dollar for \u00e5 gi mikrol\u00e5n til entrepren\u00f8rer i Guatemala\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"description \">  <\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<section id=\"acf-article-block_6c0441a6eda762f5f7ad8bdddd46f583\" data-anchor-title=\"Ikke-bank finansielle institusjoner\"class=\"block-section article wp-block-acf-article\">\n\t<div class=\"block-section-wrapper element-width--wide\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\t\t<div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading heading-size-normal\">Ikke-bank finansielle institusjoner<\/h3>\n\n\n\n<p>Norfund investerer i ikke-bank finansielle institusjoner som er dedikert til \u00e5 betjene sm\u00e5 og mellomstore bedrifter, inkludert forsikrings-, leasing-, betalings- og utl\u00e5nsinstitusjoner som spesialiserer seg p\u00e5 sektorer som landbruk, infrastruktur, utdanning og bolig.<\/p>\n\n<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"acf-video-block_64577af7d6592b287eefa67728cf38c7\" class=\"block-section video --is-full-height block--less-spacing-top block--less-spacing-bottom wp-block-acf-video\">\n\t<div class=\"block-section-wrapper element-width--full\">\n\t\t\n\t\t<div class=\"video-wrapper\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"video-container\" tabindex=\"0\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\t\t\t\t\t\t<div class=\"video_preview\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"3762\" height=\"2201\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o.jpg\" class=\"attachment-video-poster size-video-poster\" alt=\"\" srcset=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o.jpg 3762w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-300x176.jpg 300w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-768x449.jpg 768w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-1024x599.jpg 1024w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-1536x899.jpg 1536w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-2048x1198.jpg 2048w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-502x294.jpg 502w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-397x232.jpg 397w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-460x269.jpg 460w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-658x385.jpg 658w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-640x374.jpg 640w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-110x64.jpg 110w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-220x129.jpg 220w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-578x338.jpg 578w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/51846107078_2daf0a64ea_o-513x300.jpg 513w\" sizes=\"auto, (max-width: 3762px) 100vw, 3762px\" \/><div class=\"video_preview--content\">\n<div class=\"cookieconsent-optout-marketing\">\n    Please\n    <a href=\"#\" onclick=\"Cookiebot.renew(); return false;\">accept marketing cookies<\/a>\n    to see video\n<\/div><\/div>\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"plyr-video-wrapper\">\n\t\t\t\t\t\t\t<div class=\"plyr-video-inner-wrapper\">\n\t\t\t\t\t\t\t\t<button class=\"close-video-btn\" role=\"button\" aria-description=\"Close video\"><\/button>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<h3 class=\"video-heading \">Equity Bank i Kenya<\/h3>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"video-container\" tabindex=\"0\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"600\">\n\t\t\t\t\t\t<div class=\"video_preview\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1702\" height=\"886\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917.png\" class=\"attachment-video-poster size-video-poster\" alt=\"\" srcset=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917.png 1702w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-300x156.png 300w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-768x400.png 768w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-1024x533.png 1024w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-1536x800.png 1536w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-502x261.png 502w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-397x207.png 397w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-460x239.png 460w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-658x343.png 658w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-640x333.png 640w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-1456x758.png 1456w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-110x57.png 110w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-220x115.png 220w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-578x301.png 578w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-1539x801.png 1539w, https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/08\/Skjermbilde-2025-08-05-152917-576x300.png 576w\" sizes=\"auto, (max-width: 1702px) 100vw, 1702px\" \/><div class=\"video_preview--content\">\n<div class=\"cookieconsent-optout-marketing\">\n    Please\n    <a href=\"#\" onclick=\"Cookiebot.renew(); return false;\">accept marketing cookies<\/a>\n    to see video\n<\/div><\/div>\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"plyr-video-wrapper\">\n\t\t\t\t\t\t\t<div class=\"plyr-video-inner-wrapper\">\n\t\t\t\t\t\t\t\t<button class=\"close-video-btn\" role=\"button\" aria-description=\"Close video\"><\/button>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<h3 class=\"video-heading \">Ecobank &#8211; The Pan African Bank<\/h3>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n<section id=\"acf-accordion-block_8c16e0fcc7453ca6aac9b7c60587a1b5\" data-anchor-title=\"Partnerskap\"class=\"block-section accordion wp-block-acf-accordion\">\n\t<div class=\"block-section-wrapper element-width--medium accordion-split\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\n\t\t<div class=\"accordion-intro\"><h2 class=\"heading-size-normal\" tabindex=\"0\">Partnerskap<\/h2><div class=\"text-wrapper\" tabindex=\"0\"><p>Norfund investerer med eller gjennom partnere for \u00e5 dra nytte av deres kunnskap og ekspertise. Vi foretrekker \u00e5 samarbeide med store, anerkjente og respekterte selskaper med lokal tilstedev\u00e6relse og et langsiktig perspektiv, og der interessene er i tr\u00e5d med Norfunds.<\/p>\n<\/div><\/div>\n\t\t<div class=\"accordion-wrapper\">\n\t\t\t<div class=\"accordion-item\">\n\t<div class=\"accordion-header\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\">\n\t\t<h3>Arise<\/h3>\n\t\t<i class=\"icon icon-arrow-down\"><\/i>\n\t<\/div>\n\t<div class=\"accordion-body\">\n\t\t<p><a href=\"https:\/\/www.arise.se\/en\">Arise<\/a> is a bank invest\u00adment company in Sub-Saharan Africa with a USD 1 billion portfolio of large equity stakes in 10 leading African banks which have top 3 positions in close to 20 African countries. Norfund is the largest shareholder with more than 40 percent of the shares in Arise, and it is Norfund\u2019s main vehicle for equity investments in larger African banks.<\/p>\n\t<\/div>\n<\/div><div class=\"accordion-item\">\n\t<div class=\"accordion-header\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\">\n\t\t<h3>Abler Nordic<\/h3>\n\t\t<i class=\"icon icon-arrow-down\"><\/i>\n\t<\/div>\n\t<div class=\"accordion-body\">\n\t\t<p><a href=\"https:\/\/www.ablernordic.com\">Abler Nordic<\/a> (tidligere NMI) ble etablert i 2008 som et norsk initiativ gjennom et partnerskap mellom Norfund og de private investorene Ferd, DNB, Storebrand og KLP. NMI har s\u00e5 langt levert b\u00e5de sterk utviklingseffekt og solide avkastningstall, og v\u00e5rt m\u00e5l er \u00e5 utvikle Abler Nordic til \u00e5 bli en ledende nordisk akt\u00f8r innen investeringer for finansiell inkludering.<\/p>\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n\n<section id=\"acf-contact-person-block_f3b6c6f9528237762ca793a4d17b0318\" class=\"block-section contact-person block--less-spacing-top block--less-spacing-bottom wp-block-acf-contact-person\">\n\t<div class=\"block-section-wrapper element-width--full\">\n\t\t<div class=\"profile-card\" tabindex=\"0\" data-aos=\"fade-up\" data-aos-duration=\"500\" data-aos-delay=\"300\">\n\t\t\t\t\t\t\t<div class=\"profile-image\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"588\" height=\"640\" src=\"https:\/\/www.norfund.no\/wp-content\/uploads\/2025\/10\/Design-uten-navn-588x640.png\" class=\"attachment-contact-person size-contact-person wp-post-image\" alt=\"\" \/>\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"profile-details\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"heading-size-small\">Erik Sandersen<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"heading-size-smallest\">Executive Vice President, Financial Inclusion<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":15,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"footnotes":""},"class_list":["post-26195","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.norfund.no\/no\/wp-json\/wp\/v2\/pages\/26195","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.norfund.no\/no\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.norfund.no\/no\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.norfund.no\/no\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.norfund.no\/no\/wp-json\/wp\/v2\/comments?post=26195"}],"version-history":[{"count":0,"href":"https:\/\/www.norfund.no\/no\/wp-json\/wp\/v2\/pages\/26195\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.norfund.no\/no\/wp-json\/wp\/v2\/media?parent=26195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}