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Innovative Finance for Improved Livelihood (IFIL)

A tested model for inclusive finance and stronger farmer organisations

Innovative Finance for Improved Livelihoods (IFIL) was a Sida-financed pilot project implemented from 2021–2025 to strengthen Farmer-Based Organisations (FBOs) in Kenya and Uganda. The project combined capacity building with increased access to commercial loans and markets, with a special focus on empowering women and improving rural livelihoods.

The pilot phase has now concluded, and we are exploring how to build on the learnings through a possible second phase. Interested in following these developments or engaging further? Please find our contact information below.

Pilot phase completed – Key results and learnings

The IFIL pilot phase (2021–2025) has now concluded. The project clearly showed that combining capacity building with access to finance and markets can strengthen farmer-based organisations, improve livelihoods, and open new opportunities to commercial finance. Key learnings from the pilot highlight the importance of integrated support, timely access to finance, and inclusive governance, particularly the role of women and youth in building resilient, well-functioning organisations.

A few results

  • 362,191 farmers reached through strengthened farmer-based organisations in Kenya and Uganda
  • 30 farmer-based organisations strengthened (14 in Kenya, 16 in Uganda)
  • EUR 110,000 disbursed through the Small Credit Facility to support working capital and early investments
  • USD 6.4 million leveraged in commercial loans by four FBOs that improved their creditworthiness
  • 40% women’s representation on FBO boards, alongside strong youth engagement across value chains

These results form the foundation for exploring how IFIL’s approach can be further developed and scaled in a potential next phase.

Download a quick project overview 

For a concise overview of IFIL’s results, and future direction, you can download our one-page summary. The pdf highlights key achievements from the pilot phase and outlines how partners are exploring next steps.

Download the IFIL one-pager (PDF)

What Comes Next? Exploring Possibilities for Phase II

As the pilot phase has concluded, Act Church of Sweden, in partnership with We Effect and Oikocredit, is exploring how to build on the IFIL learnings to support deeper financial inclusion and stronger FBOs across East Africa. Partners are considering how best to expand access to tailored finance, strengthen organisational capacity, deepen gender and youth inclusion, and foster resilient agricultural value chains.
We will share updates here as opportunities for a next phase are developed.

Interested in supporting the next stage?

For questions or partnership opportunities related to IFIL’s future, contact:
obed.mugisha@svenskakyrkan.se