Sembrar Sartawi


Sembrar Sartawi is a non-deposit-taking not-for-profit “Institución Financiera de Desarrollo” (IFD), a term used to designate microfinance NGOs in Bolivia. The MFI currently has 21 branches and 12,000 clients, and focuses on providing a range of loan products targeted at micro-entrepreneurs and small agricultural producers. Through strategic alliances with local entities and providers, these loans are accompanied by technical advisory services to implement best practices and improve productivity. The MFI furthermore facilitates access to markets for its clients, and provides them with up-to-date price information. The result is an integrated solution that allows Sembrar Sartawi to promote higher productivity, product quality and more dynamic, sustainable rural markets in Bolivia.

By extending an unsecured USD 2m senior loan in local currency, BIO supports Sembrar Sartawi in increasing its capacity to provide financing to smallholder farmers and micro-entrepreneurs in the underserved rural areas of Bolivia. The main development effects of BIO’s investment are the following:

-          Significant employment effects (estimated 750 jobs supported) in poorer rural areas;

-          Significant gender effects (42% of borrowers are women);

-          Capacity building at the client level, through an integrated and innovative model that provides support to small farmers and is based on 3 key pillars: (i) financial services including loans, micro-insurance and other products (ii) technical assistance to improve quantity and quality of the agricultural production and (iii) access to markets facilitation.

Sembrar Sartawi takes part in the Smart Campaign and shows good practices of responsible finance and client protection. Learn more about the SMART campaign:

Visit Sembrar Sartawi’s website:

  • Investment amount (€):

    USD 2 million in local currency

    Financing of smallholder farmers and micro-entrepreneurs

  • Contract signature :


  • Nature of intervention :


  • Development impacts :

    • 1 — Job creation
    • 2 — Capacity building at the client level
    • 3 — Increase access to financial services, especially in rural areas