Financial Inclusion means providing access to affordable, timely, and adequate financial services to all individuals and businesses, particularly those in underserved and emerging markets. For over 20 years, responsAbility has been at the forefront of impact investing, deploying more than USD 16.3 billion to empower people and businesses worldwide, fostering a more inclusive and prosperous global economy.
At responsAbility, we bridge this gap through three impact strategies:
- Providing access to financial services for low-income households to improve livelihoods.
- Creating jobs by supporting micro, small, and medium enterprises (MSMEs).
- Advancing gender equality through women’s economic empowerment.
By directing capital where it’s needed most, we enable investors to drive real change while generating financial returns.
1 An individual or entity who has received a loan within the Financial Inclusion investment theme, aimed at providing access to financial resources to support livelihoods or entrepreneurial activities, Source: Beyond The Numbers responsAbility Impact Report, section 1.3.2.
End-borrowers of Financial Inclusion portfolio companies1
What impact your investment can achieve
Curious about the impact that your investments can have? Use our interactive Impact Calculator to see how financial inclusion investments translate into real-world change—whether it’s the number of microloans disbursed, jobs created, or women entrepreneurs supported.
Knowledge and transparency go hand in hand on the path to meaningful investing.
Click on the amounts below to explore their impact:
Our Impact Stories
Behind every investment, there’s a story of change. Our impact stories highlight the real-world effects of financial inclusion—how access to finance empowers individuals, strengthens small businesses, and fosters sustainable economic growth.
Our case studies showcase how capital flows into emerging markets, driving measurable impact while delivering sustainable financial returns.
Reports & Insights: Our Impact in Numbers
Annual Impact Reports
- Key Impact Indicators
- Approach to ESG Analysis
- Impact Cases
- Article on "Additionality" by Rochus Mommartz (CEO)
Read the products' Impact Reports to find out more: Global Micro & SME strategy Debt Micro & SME strategy Leaders Micro & SME strategy (This Link will take you to the responsAbility fund pages. To access the pages, you must answer a few questions and accept our legal disclaimer.)
Monthly Reports
- Fund strategy
- Monthly performance
- Link to subscription/redemption calendar
- Link to share class overview (ISINs)
Read the products' Monthly Reports to find out more: Global Micro & SME strategy Debt Micro & SME strategy Leaders Micro & SME strategy (This Link will take you to the responsAbility fund pages. To access the pages, you must answer a few questions and accept our legal disclaimer.)
Quarterly Reports
- Impact case study and impact indicators
- Market commentary and outlook
- Quarterly performance
- Letter from portfolio manager
Read the products' quarterly Reports to find out more: Global Micro & SME strategy Debt Micro & SME strategy Leaders Micro & SME strategy (This Link will take you to the responsAbility fund pages. To access the pages, you must answer a few questions and accept our legal disclaimer.)
About responsAbility
responsAbility Investments AG is a leading impact asset manager specializing in private market investments across three investment themes. These themes directly contribute to the United Nations Sustainable Development Goals (SDGs):
- Financial Inclusion, to finance the growth of Micro & SMEs;
- Climate Finance, to contribute to a net zero pathway;
- Sustainable Food, to sustainably feed an ever-growing population.
All responsAbility investment solutions target specific measurable impact alongside market returns.
Since its inception in 2003, responsAbility has deployed over USD 16.5 billion in impact investments. With over 270 employees collaborating across 7 offices, as of 31 March 2025 the company manages USD 5.5 billion in assets across approximately 300 portfolio companies in around 70 countries. Since 2022, responsAbility has been part of M&G plc, the international savings, and investments business, and contributes to enhancing M&G’s capabilities in impact investing.