LANDT GmbH (“LANDT”) is a Berlin-based international development finance consulting and fund management company. LANDT is focused on developing micro, small, and medium sized enterprise (MSMEs) finance through designing, establishing, consulting, and managing credit guarantee funds (CGFs) in challenging environments.
The Importance of Credit Guarantee Funds (CGFs)
Credit Guarantee Funds (CGFs) are a powerful tool financial institutions use to facilitate lending to micro, small, and medium scale enterprises (MSMEs) around the world, addressing key barriers to access to finance. According to the World Bank, upwards of 68% of MSMEs are currently underserved or unserved completely by financial institutions, often due to the risk perceived by lenders in providing credit to small businesses in developing countries. CGFs help to offset this risk by offering to repay to lenders an agreed share of an outstanding MSME loan in the event of a default. By absorbing a share of the credit risk, CGFs help MSMEs in emerging markets gain access to finance, which in turn bolsters the development of the private sector and contributed to overall economic growth.
LANDT’s ability to effectively diagnose and capture market needs and deliver suitable CGF designs can be witnessed in the nearly three-decade track record in the most diverse economic contexts. LANDT’s demonstrated competence to grasp domestic knowledge and combine this with its international development finance experience has proven to be highly valuable to both its public and private sector clients. In response to the specific challenges and market failures in its target countries, LANDT has developed tailor-made design elements for its approach to CGFs that make them efficient, impactful, and sustainable.
Examples of LANDT's Track Record
Palestine1 of 14
CGFT – Credit Guarantee Fund Tajikistan
Central America3 of 14
Morocco4 of 14
Nigeria5 of 14
Lebanon6 of 14
Madagascar7 of 14
Yemen8 of 14
Egypt9 of 14
Jordan10 of 14
Berlin, Germany11 of 14
Democratic Republic of Congo12 of 14
Afghanistan13 of 14
Moldova14 of 14
Design of CGFs
Management of CGFs
Evaluation, Diagnosis & Support of CGFs
Path to Success
LANDT has a well-established method that leads it to success in challenging environments:
LANDT carefully analyzes the strengths, weaknesses and systemic challenges that affect a country’s MSME lending actors. It develops innovative and customized solutions that benefit PFIs, governments and the everyday people living and working in host markets.
Leveraging its reputation as a reliable partner, LANDT drives funding for its projects by identifying and vetting appropriate donors and investor institutions.
LANDT continuously seeks opportunities for further funding and collaboration to expand its activities pertaining to designing, setting-up and managing credit guarantee funds.
LANDT establishes partnerships with local and international financial institutions for its CGFs and TA projects to enhance MSME lending capacity.
LANDT itself is acknowledged as a reliable partner in the MSME finance sector due to its quick and uncomplicated payout mechanisms.
LANDT is committed to its ultimate goal of enhancing MSME access to finance. With the right funding and assistance, these promising enterprises have the potential to create high-quality jobs, increase incomes and foster sustainable economic growth from the local level.