INVEST €62.50 IN AN ALTERFIN SHAREThat's your share in a human life

We’re glad you’re here.

With €62.50, you buy one Alterfin share and give entrepreneurs and farmers the opportunity to start or grow their business and earn a dignified income.

Alterfin pools this capital and invests it in microfinance and sustainable agriculture so that people can build their own future. An investment — not a donation.

Small enough to do today.
Big enough to make a difference tomorrow.

And if you do so before 31 January 2026, you’ll receive a €5 Oxfam voucher for every 10 shares purchased.
A nice extra — but you can absolutely start with just one share.

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Still have a question before you click? Send it to our team — no chatbots, only real people. Leave your number or e-mail and we’ll reach out.

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How does it work?

Responsible. Transparent. Impactful.

Human Yield

Your return isn’t measured in fine words, but in lives moving forward: dignity, resilience, and incomes that hold even when times are tough.

Yes, you could call that a “human return”. At least it’s honest about what truly matters.

Co-ownership

You’re not buying “a good feeling.” You become a co-owner. And when you need your money back, you can withdraw it under the conditions provided.

Still unsure? Send us your question via the form above. We’ll be happy to explain.

Modest financial return

When the cooperative’s financial results allow it, you receive a dividend.

No big promises — just a clear principle: impact, with a modest financial return.

INFORM YOURSELF

Investing in cooperative shares at Alterfin involves certain risks. Investors are exposed to the risk of losing all or part of the investment. Before buying shares, potential investors should carefully read the information note.

Real‑life examples

All updates
Impact study

Financiera FDL

Microfinance plays a vital role in Nicaragua’s economic and social development, especially in rural communities where traditional banking services remain out of reach. Over the past decades, the sector has grown significantly, with a strong focus on group lending and social responsibility.

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30 years

30 Years of Investing Together

Thirty years ago, Alterfin began with a simple but demanding idea: money should serve people — not the other way around. At the time, this was not a slogan. It was a choice. And it was a cooperative choice.

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News

Impact must be measurable - or it doesn’t count

After the retroactive abolition of tax reduction, Alterfin is introducing 'Human Yield': a transparency model that translates investments in microfinance and sustainable agriculture into measurable socio-economic outcomes.

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