Why this expertise matters today

Access to finance remains a foundational driver of private sector development, SME growth, rural economic advancement, and poverty reduction. In today’s global economy, enterprises—especially micro, small, and medium-sized businesses—face growing needs for capital to modernize production, improve efficiency, adopt green technologies, and integrate into competitive value chains. At the same time, financial institutions must balance responsible lending with product innovation and better outreach. Supporting access to finance is therefore critical for improving economic inclusion, enabling entrepreneurship, strengthening rural livelihoods, and expanding opportunities within emerging markets.

Why our firm values this expertise

Alpha Plus Consulting has developed robust expertise in access to finance through extensive engagement with banks, microfinance institutions, savings foundations, and donors focused on strengthening financial systems. Over two decades, our team has conducted financial sector assessments, designed lending products, analyzed borrower segments, assessed rural finance needs, supported value chain financing schemes, and contributed to the establishment of Armenia’s credit infrastructure. This wide-ranging experience allows us to translate financial system diagnostics into practical improvements in product design, procedures, outreach strategies, and institutional capacities.

Selected projects

Our firm's expertise is based on many-year experience. Specifically, this particular expertise has been applied and successfully in the following selected projects:

HyeProspect Smart City Development – 818 Consulting (UAE)
Provided strategic advisory including access-to-finance considerations for FEZ licensing, investment attraction, and economic activity planning.

Supporting Rural Finance for Rural Economic Development – SBFIC (Germany)
Conducted analysis of agricultural SME financing, donor interventions, and value chain support options to shape rural finance programming.

Introducing Agricultural VCF & Climate Risk Integration for PFIs – SBFIC/KfW
Enhanced agricultural lending technologies, value chain financing products, and risk management processes for partner financial institutions.

Migrants’ Savings and Investment Options Study – World Bank/Armenia
Identified formal and informal financial mechanisms for migrants and assessed ways to channel remittances into productive investments.

Assessment of Demand for Credit Bureau Queries & Feasibility Study – World Bank & CBA
Evaluated financial institutions’ demand for credit information services and analyzed credit portfolios and lending practices.

SEF Loan Demand Assessment in Meghri Region – SEF International
Studied borrower profiles, financial service availability, credit needs, and regional lending patterns.

Local Partner in Banking Sector Development Project / CGF Establishment – KfW/SBFIC
Conducted due diligence, assisted bank selection, trained loan officers, and provided advisory for credit guarantee operations.

Feasibility Study for Establishing Armenia’s First Private Credit Reporting System – OSCE
Analyzed demand, legal grounds, feasibility, and market readiness for credit reporting infrastructure.

Periodic Evaluation of AREGAK Microfinance Program – UMCOR
Assessed microcredit operations, borrower behavior, portfolio quality, and institutional readiness for independent operation.

Housing Finance for Energy Efficiency in Rural Areas – KfW
Reviewed mortgage markets, credit risk margins, affordability, and financing programs relevant to rural households.