• Our Vision

      Unlocking affordable impact-targeted financing to grow a green economy led by grassroots micro-enterprises.

      Aeloi is the phonetic spelling of alloy.

      Stronger together!

    • How we work

      We monitor the end-use of business loans using digital tokens, especially for informal sector micro-entrepreneurs

      1. (Micro)financial institutions use our software to disburse digital loans

      2. Borrowers use digital loans to buy from an accredited ecosystem of vendors. E.g. an agriculture loan buys goods and services from agriculture vendors only

      3. Vendors redeem tokens into cash once services/goods are delivered

    • Gaps in Traditional Financing Systems

      Lack Real-Time Feedback

      Aeloi provides real-time data analytics on user spending behavior

      Leakage of Funds

      Aeloi transfers finances directly to users and vendors, with no cash in-between, which reduces vulnerabilities

      High Operations & Monitoring Costs

      Physically visiting borrowers to follow up on loans and manual paper reports requires a lot of time and resources. Many microfinance reports spending as much as 30% of their expenses on operations. We can help reduce such costs by up to 50%.

      High Administration Cost

      Aeloi is fully scalable and supports a small amount of loans and disbursement.

    • Our Advantages

      Complete traceability and accountability

      Borrowers or fund recipients will only be able to spend the digital funds within an accredited ecosystem of vendors

      Combine public and private funding

      With our system, program funding from any source can be combined into a customized digital token and be traceable from source to end.

      Simplify monitoring and evaluation

      Real-time data can help improve project delivery throughout the implementation period

      Reduce management cost

      We are a technology platform built for economies of scale to reduce costs for compliance, procurement, and logistics.

      Build local markets

      Local spending builds local networks of service providers. Help ensure long term sustainability after the project cycle ends

      Services powered by data

      With detailed data, we can provide tailored approaches to each user of our platform.

    • Our Advisors and Collaborators

      We are supported by the following institutional partners

      United Nations Environment Programme

      United Nations Capital Development Fund

      United Nations Economic and Social Commission for Asia and the Pacific

      National Geographic Society

      Welthungerhilfe

      Global Affairs
      Canada

      LEAD2030

      One Young World

      Standard Chartered Ventures

      Social Innovation Challenge

      Monetary Authority of Singapore

      She Loves Tech

      Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ)

      The Futures Project

      Civil Society Academy

      The Spindle

      Partos

      Climate Launchpad

      Greenpreneurs

      Mahila Sahayatra Laghubitta Bittiya Sanstha

      World Bank Group Youth Summit

      Value-chain Capacity Building Network

      HELVETAS

      IFAD

      Hivos

    • Aeloi partners with Women Lead Nepal

      GEM is honored to be the Transportation Partner

      For OWN IT Nepal 2020 conference hosted by Women LEAD

      Aeloi partners with Mahila Sahayatra Laghubitta Bittiya Sanstha Ltd.

      Mahila Sahayatra is a women-focused microfinance with 35,000 members all around Nepal. We're honoured to be piloting both our agriculture and electric vehicle products with them.

    © 2021

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