Migrant Business Coaching and Migrant Business Loan Fund

Client: Sparkassenstiftung für Internationale Kooperation – Savings Bank Foundation for International Cooperation (SBFIC)

Sponsors: The Federal Ministry for economic cooperation and development (BMZ) and the Gesellschaft für Internationale Zusammenarbeit (GIZ)

Partners: Savings Bank Foundation for International Cooperation (SBFIC) and Credit Union Association (CUA).


The main objective of the assignment is to support returning and prospective migrants in gaining basic business skills to prevent irregular migration and to create future perspectives for those who are returning.

This is intended to be achieved by:

  •  equipping potential migrants and returnees specifically from Germany and other countries with entrepreneurial skills. 
  • understanding the purpose and benefits of savings and how to identify a sound financial institution.
  • providing potential migrants with access to Credit Unions and their financial products and services by sponsoring their membership shares
  • providing selected Credit Unions with funds from the Migration Business Loan Fund to facilitate the disbursements of loans to migrants with potential business plans.

Key Activities:

Business coaching sessions with migrants to help them identify key factors that influence business success, basic accounting, customers, market dynamics and competition;

Offering migrants business coaching skills to design their own business plans and budget;

All participants of the business trainings will be given the opportunity to become a member of a Credit Union and encouraged to do regularly savings;

Credit Unions disburse loans to selected participants who have come up with the implementable business plans.

Coverage: Nationwide

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