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Financial Inclusion

The Citi Foundation supports efforts to develop a more inclusive financial system that provides greater access to financial products, services and capital to low-income communities and individuals. Access to capital and financial products empowers adults and young people to build financial assets, enables entrepreneurs to grow or launch businesses that create jobs, and helps community-based organizations to strengthen and transform communities. Unique about our efforts is recognition that access to capital and products alone is not enough. Financial capability, the ability to establish financial plans and develop strategies for preserving a strong financial position during times of both economic prosperity and instability, is critical to the economic success of individuals and communities.

Impact Targets

  • Increases in financial products and capital to support financial inclusion and the growth of businesses that provide new income generation and/or employment opportunities for low-income individuals
  • Increases in the number of low-income adults or youth who adopt positive financial behaviors and accumulate and preserve financial assets


Program Examples:

Leading national experts from a broad range of sectors come together to provide their perspective on the importance of improving the financial health of U.S. families in a new book, What It's Worth: Strengthening the Financial Future of Families, Communities and the Nation. Published by the Federal Reserve Bank of San Francisco and CFED with support from the Citi Foundation, What It's Worth describes why every household's financial health matters for the U.S. economy to thrive and how various sectors can play a critical role in removing barriers to financial well-being. The book includes examples of innovations and policy recommendations that a range of sectors, including education, housing and health can adopt to help more families be financially secure. Learn more at


With support from the Citi Foundation, the Multilateral Investment Fund (MIF), a member of the Inter-American Development Bank, launched SCALA, a program that connects low-income microentrepreneurs with business opportunities and access to high-quality products and services that integrate them into distribution channels of larger companies. Through SCALA, anchor companies, microfinance institutions (MFIs), and NGOs work together on projects that scale innovative distribution networks based on microfranchising models to expand economic opportunities for low-income microentrepreneurs. SCALA currently operates in seven countries in Latin America and the Caribbean. Another component of the program is SCALA-RED, a resource center/observatory that is designed as a one-stop-shop for information on the application of microfranchising models.

To search for a full listing of grants in the Financial Inclusion portfolio click here.

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