Our mission is to promote financial inclusion and economic empowerment by providing affordable and accessible microfinance services to those who need it most in developing countries.

Our goal is to connect people through lending and alleviate poverty around the world, expanding access to capital for people and communities underserved by traditional financial institutions, with a particular focus on supporting small organizations, women and vulnerable groups.

Imagine and enable a world where all people have greater self-esteem and the power to improve their lives through access to financial services, and where lenders and borrowers can come together to create positive change. Through our online platform, we allow people to lend via bitcoin blockchain technology as little as $1 (1sat actually) to borrowers around the world. We believe that by leveraging the power of Bitcoin, Lightning, and new social media protocols like Nostr, Ahoro can create a more inclusive and equitable world.

1.7B Adults do not have access to formal financial services. Those who do have it cannot access credit.

Ahoro's goal is to solve the financial exclusion of people, communities and organizations that lack access to basic financial services around the world, especially in low-income countries. These people do not have access to formal financial institutions and cannot obtain the credit they need to start or grow an organization, invest in education, or meet unforeseen expenses.

The World Bank's Global Findex 2021 database estimated that 29% of adults in developing countries and 24% globally did not have access to formal financial institutions, such as banks or microfinance institutions. C19 has highlighted the importance of financial inclusion, and many governments and financial institutions have taken steps to increase access to financial services for underserved communities in response to the crisis.

Typically, if a person does not have any information about their financial identity - information that constitutes a reliable record of their existence, their credit history and their financial behavior - traditional financial service providers prefer not to deal with potential clients.

Our way of assessing people's creditworthiness without traditional credit scores, guarantees or guarantors is to use alternative data sources and machine learning algorithms. The spread of mobile phone access in these countries has helped digital financial service providers leapfrog financial infrastructure. Mobile network operators have rapidly expanded their networks by providing prepaid services. These commercial products connect individuals instantly to the network, with almost no upfront costs or credit agreements. In recent years, a technological solution has emerged that addresses this financial information gap, known as “Financial Identity-as-a-Service” (FiDaaS). It leverages mobile carriers' customer relationships to create a unique financial identity and credit score for a previously invisible customer, as well as an “input” credit history on which to base our decisions.

We use data from mobile phones, social media accounts, and other sources to build a more complete picture of a borrower's financial behavior, such as their income, spending habits, and payment history. Machine learning algorithms then analyze this data to identify patterns and predict the likelihood that a borrower will default on a loan.

Additionally, we leverage social media and community ties to encourage borrowers to repay their loans. Borrowers could be required to have a certain number of friends or family members on the platform to act as references and vouch for their creditworthiness. Thus, peer pressure and social responsibility may also play a role in encouraging borrowers to repay their loans, as default could damage their reputation within their community.

Finally, we also offer borrowers financial education and training programs to help them better understand the terms of their loans and how to manage their finances effectively. By empowering borrowers to make informed financial decisions, these programs can increase the likelihood that they will repay their loans on time.

Our vision enables us to create a financially inclusive world where everyone has the opportunity to thrive and reach their full potential. Connecting people through lending and alleviating poverty around the world. Our goal is to expand access to capital for people and communities underserved by traditional financial institutions, focusing on supporting small organizations, women and vulnerable groups.

Imagine and enable a world where all people have greater self-esteem and the power to improve their lives through access to financial services, and where lenders and borrowers can come together to create positive change. Through its online platform, Ahoro allows individuals to lend via bitcoin blockchain technology as little as $1 (1sat actually) to borrowers around the world. We believe that by leveraging the power of Bitcoin and new social media protocols like Nostr, Ahoro can create a more inclusive and equitable world.

There are several reasons why now may be a good time to consider leveraging Bitcoin for social impact investing:

Growing interest in Bitcoin:  Bitcoin has increasingly gained acceptance and adoption in recent years, with more individuals and organizations investing in or holding Bitcoin as a store of value or investment.

Increased need for  social impact investing  : There is growing awareness of the need to invest in social impact, as traditional sources of financing social programs may be insufficient or unreliable.

Advances in  blockchain technology  : The development of blockchain technology has made Bitcoin transactions easier and more secure, making it a more feasible option for social impact investing.

Shift towards decentralized finance  : Decentralized finance (DeFi) is a growing trend in the financial industry, enabling the creation of decentralized lending and investing platforms. This trend could facilitate the creation of a decentralized platform for social impact investing using Bitcoin.

Competitive Advantage : By leveraging Bitcoin for social impact investing, a B Corp organization could differentiate itself from traditional social impact investing platforms and attract investors interested in supporting social causes using innovative technology.

According to a report by the Consultative Group to Assist the Poor (CGAP), the global microfinance sector had a total loan portfolio of approximately $380 billion as of December 2021, which is the size of the entire microfinance sector. microfinance on a global scale. The analysis carried out by Oxford Economics confirmed the figure at around $408 billion, with significant growth potential in emerging markets.

Ahoro targets the 44% of the world's unbanked or underbanked population in low-income countries, where traditional microfinance institutions often cannot reach. We are trying to address this issue by providing an online platform (accessible from any mobile browser) for people to extend microcredit to borrowers in developing countries who may not have access to traditional financial institutions. By providing affordable and accessible credit, we will empower people and communities to take control of their own financial future and build more resilient and sustainable livelihoods.

In addition to providing access to capital, Ahoro also aims to address other barriers to financial inclusion, such as lack of financial education and social stigma. By creating a global community of lenders and borrowers, hoping to promote greater awareness and understanding of the challenges facing underserved communities and promote greater financial inclusion and economic opportunity for all.

Overall, Ahoro's business model is designed to connect lenders with borrowers in a transparent and responsible manner, and to provide borrowers with access to affordable capital that they would not otherwise have been able to obtain.

We believe in the Value4Value model, a concept popularized by philosopher and writer Ayn Rand, which suggests that individuals should only receive value in proportion to the value they create or provide. In the context of Savings, this could mean that borrowers who receive microcredit create value in return, whether through business benefits, job creation, or other measurable impacts. This model allows us to provide service without any expectation or short-term return and gives us the freedom and openness, connection and freedom of expression, healthy money and resistance to censorship to continue supporting and growing local emerging economies.

Achieving our ultimate goal, we built a system of incentives and rewards that encourages borrowers and lenders to create and provide value in proportion to the value they receive. This could help ensure that Ahoro microloans are used effectively to promote financial inclusion and economic development in low-income communities.

Help us fulfill our mission.