DW AngolaMicrofinance


In Angola’s urban areas, the poor depend on the informal economy. Retailing in the informal sector market is the principal “coping mechanism” for the urban poor in Luanda. The informal market is dominated by women, many of them heads of households and a large portion of them originally migrants to the city.

Rather than recognising the entrepreneurial creativity of informal sector marketers as an opportunity for inclusion into a post-war economic strategy, punitive policies have increasingly made it difficult for the poor to carry out their businesses in the streets particularly in the urban centre of Luanda. The poor have few opportunities to scale up or transform their informal business activities by borrowing from banks. They, arguably, are “poor risks” since they can guarantee no collateral. They are therefore obliged to pay extremely high interest rates to parallel market money dealers for very short term loans, often leaving them in chronic debt.

Development Workshop’s microfinance programmes in both Luanda and Huambo offer models to both Government and the private sector of how informal traders and small scale produces can pull themselves out of poverty and provide local economic opportunities through appropriate credit and savings mechanisms.

DW pioneered microfinance in Angola in 1996, and since 1999 the Sustainable Livelihoods Programme - SLP - has supported thousands of micro-entrepreneurs, (65% were women) with access to loans and savings.

DW led the field with the creation of KixiCredito (www.kixicredito.com), a self-sustainable micro-credit institution that helps improve the quality of life of economically active poor communities. KixiCredito has a portfolio of over 10,000 clients supported through seven branches in Luanda and Huambo provinces.

Today, DW continues to identify, assess, and monitor opportunities in Angola that support the country’s ongoing economic reconstruction.


Sustainable Livelihoods Program - Microfinance For Urban Poverty Reduction

Friday, 1 September, 2017

This paper discusses the experience of the Sustainable Livelihoods Project (SLP) in Angola implemented by Development Workshop Angola in partnership with One World Action. The microfinance program has been successful in reaching significant numbers of poor women and men in the informal sector and maintains a high repayment rate. The main focus of the SLP is the development of poverty-targeted microfinance adapted to the Angolan context. The underlying goal is poverty reduction through developing sustainable businesses of clients. The focus on micro-enterprise is because of the large numbers of poor women and men dependent on the sector as a means of coping with economic vulnerability and dislocation caused by the civil war. Support for development of this sector is therefore crucial to any poverty elimination strategy in Angola

Kixi-Crédito injecta mais de USD 400 milhões na economia nacional

Monday, 28 September, 2015

A informação foi prestada hoje, segunda-feira, em Luanda, pelo director
executivo da Kixi-crédito, Joaquim Catinda, quando falava à imprensa no
final de um encontro com parceiros.

Kixi-Crédito disponibiliza mais de 196 milhões de kwanzas em oito meses, no Huambo

Wednesday, 23 September, 2015

O montante foi emprestado a 1037 cidadãos que, ao longo dos primeiros oito meses do ano, recorreram ao Kixi-Crédito solicitando financiamento. Os dados foram divulgados hoje, na cidade do Huambo, pelo gestor provincial desta instituição, Fadário Lussati, durante um encontro mantido com os clientes. O responsável deu a conhecer, na ocasião, que os créditos entregues a clientes individuais e organizados em grupos de 15 pessoas variaram de cem mil a um milhão de kwanzas, cujo reembolso é feito entre seis a 12 meses depois, com uma taxa de juro de 3,75 porcento ao ano.

KixiCrédito: Uma Década A Fazer Prosperará Pequenos Negócios

Economia Mercado
Thursday, 17 September, 2015

A KixiCrédito completa este mês 10 amos de existência. Para comemorar a data, preve juntar cerca de duas mil pessoas, entre trabalhadores e clientes, no Cine Atlantic nos dias 27 e 28 do mes em curso.

Micro-Level Effects of Oil Resources: Insights from a Survey of Angolan Microcredit Clients

Allan Cain, Ivar Kostad, Arne Wiig
Tuesday, 14 April, 2015

This paper presents an experiment conducted among rnicrocredit clients in Angola. The results suggest that more educated clients and female clients are more likely to favour members of their credit group over outside demands. Microcredit clients are often assigned to credit groups with joint liability for loans. Credit groups are likely to generate the internal social dynamics needed for group solidarity to form and repayment to happen. This is a matter of both group dynamics and individual characteristics, as some individuais conform more easily to in-group norms.

Projecto habitacional da DW concluído em Abril

Monday, 12 January, 2015

As primeiras 90 casas do projecto habitacional da organização não-governamental Development Workshop (DW), cujas obras iniciaram em Março de 2014, no bairro Quissala, arredores da cidade do Huambo, ficam concluído no mês de Abril deste ano. Esclareceu que das 90 residências, 30 estarão prontas no fim de Janeiro, igual número em Fevereiro e Abril, respectivamente. David Castello fez saber que os interessados em adquirir as casas, avaliadas em um milhão e 500 mil kwanzas, devem aderir ao crédito que está a ser executado em parceria com o programas de micro finanças Kixi-crédito, ou pagando por prestação.

Kixi-crédito contribui para redução da pobreza

Portal Oficial da República de Angola
Tuesday, 22 May, 2012

O responsável fez este pronunciamento durante um encontro que manteve
com os clientes sobre a importância de reembolsos e implicações do
Kixi-crédito, tendo assegurando que, para região sul, o programa prevê
disponibilizar até Dezembro deste ano sete milhões de dólares

What Makes A Credit Group Tick?

Chr. Michelsen Institute/Centro de Estudos e Investigação Científica
Sunday, 1 May, 2011

Microcredit clients are often assigned to credit groups with joint liability for loans. But what makes a credit group work well? What credit groups are likely to generate the internal social dynamics needed for group solidarity to form and repayment to happen? This is a matter of both group dynamics and individual characteristics, as some individuais conform more easily to in-group norrns. This brief presents an experiment conducted among rnicrocredit clients in Angola.

KixiCrédito: Good practice in the musseques of Luanda

Sustainable Livelihoods Programme Team
Monday, 1 January, 2007

Through the Sustainable Livelihoods Program (SLP)/KixiCrédito, the Luta Contra Pobreza Urbana (LUPP) has successfully piloted a sustainable tool to assist the economically-active poor to rise out of the poverty trap. SLP now serves more than 13,000 clients in the provinces of Luanda and Huambo -more than 60% of these clients are women heads of households who have to find a way provide for the daily needs of their families.

KixiCrédito: Boas práticas nos musseques de Luanda

Sustainable Livelihoods Programme Team
Monday, 1 January, 2007

Através do Programa de Meios de Vida Sustentáveis (SLP) KixiCrédito, o LUPP tem pilotado, com sucesso, um instrumento sustentável para dar assistência aos pobres economicamente activos para que saiam da armadilha da pobreza. O SLP serve, actualmente, mais de 13.000 clientes nas províncias de Luanda e Huambo – mais do que 60% destes clientes são mulheres, chefes de família que têm que encontrar forma de prover às necessidades das suas famílias.

HIV/AIDS and Micro-Finance in Angola

Mennonite Economic Development Associates & Development Workshop
Wednesday, 1 March, 2006

The impact of HIV and AIDS reach far beyond the infected individual. It can be disastrous for affected households, and in high prevalence countries the economic effects of lengthy illness and death are felt by society as a whole, impacting institutions such as NGOs, businesses and government alike. HIV/AIDS has particular impacts on Microfinance Institutions (MFIs) and their clients. Affected clients face stigma which can hurt their business.

Case Study: Participation in Community Service Provision in Post-War Angola

Allan Cain & Salvador Ferreira
Tuesday, 20 July, 2004

Presented to the Workshop on Democratization, Civic Strengthening and Human Development Arena, in Sub-Saharan Africa at the Mazingira Institute & Settlement Information Network Africa (SINA) in Nairobi. The Sustainable Community Services Project (SCSP) is a component part of the Luanda Urban Poverty Programme (LUPP). SCSP sets out to pilot a model of basic service provision in an area of the musseques of Luanda, and at the same time create links between the users of these services, the local government and the providers of the services. These two objectives are closely linked: the linkages between the stakeholders are vital for the management and sustainability of the services, as well as being an opportunity for creating space for participative politics (which can contribute to peace-building and democratisation in Angola).

Micro-Finance Business Plan

Development Workshop
Saturday, 1 February, 2003

Prepared with support from the following DAI consultants: Jan Schoeman, Nathanael Bourns and Terence Gallagher. The DWA Microfinance Program sees itself as unique in Angola, combining a deep commitment to the peri-urban poor with a commitment to becoming fully sustainable and capable of financing its own growth and expansion of outreach. In November 2002, the DWA Microfinance Program undertook an extensive strategic and business planning exercise involving its coordination committee, management and staff, and including several meetings with selected groups of clients.

Micro-finance Programme Institutional Appraisal

J H Schoeman, Nathanael Bourns & Terence Gallagher
Friday, 1 November, 2002

Within a difficult environment, DWA has implemented microfinance operations more successfully than any other entity in Angola, learning ways to mitigate the many risks involved and to serve the poorest of the economically active in their peri-urban target markets. DWA is showing the beginnings of a sustainable model for microfinance in Angola. Nevertheless, the microfinance program will have to meet a number of challenges before it can reach sustainability.

Angola Country Paper: The Regulatory Environment and Monitary & Financial Influences on the Micro-Enterprise Industry

Marinela Cerqueira
Monday, 21 October, 2002

Presented by Margaret Jiri at the Southern Africa Capacity Building Regulatory and Supervisory Workshop. Angola is a founding member of SADC. The country has suffered 40 years of war since launch of the independence struggle in 1961 until the ceasefire which ended the civil war between the Government and UNITA in February 2002. The 27 years since independence have been an era of almost continuous internal conflict. Due to the war, agriculture has stagnated and the industrial infrastructure has largely been destroyed. Angola has shifted from being an agricultural producer of diverse commodities to almost complete dependency on oil and diamonds.

Luanda Peri-Urban Gender & Household Profile

Henda Ducados
Monday, 1 July, 2002

This study presents quantitative and qualitative findings gathered in the peri-urban areas of Luanda from December 2001 to January 2002 by Development Workshop. The study aimed to trace the profile of households encountered in the area with a particular attention to female-headed households. The attention given to gender is due to the few existing studies in this area and the importance to assess households dynamics through a gender lens.

Women's Empowerment or Feminisation of Debt

One World Action
Friday, 1 March, 2002

This report is based on discussions at the international conference Women's empowerment or feminisation of debt? Towards a new agenda in African microfinance organized by One World Action. The report contributes to the November 2002 meeting of the Micro-Credit Summit Campaign.

Sustainable Livelihood Project: Business Development Needs Assessment & Development Plan

Tim Canedo
Saturday, 1 July, 2000

This report present the activities, and subsequent results related to a Development Workshop micro/small enterprise consultancy that took place from the 22nd of May through the 11th of July 2000. The main purpose of this consultancy was to undertake an assessment of micro/small enterprises in three areas (Sambizanga, Cacuaco, and Cazenga) of Luanda and develop a BDS program that could provide appropriate support initiatives to chosen subsectors.

O Financiamento Informal: Kixikila Sambizanga

Henda Lucia Ducados & Manuel Ennes Ferreira
Tuesday, 1 September, 1998

O financiamento informal e as estrategias de sobrevivencia economica das mulheres em Angola: a Kixikila no municipio do Sambizanga, Luanda. Em Africa existe uma longa tradicao demonstrativa da utilizacao de esquemas de ajuda mutua, particularment ao nivel da utilizacao rotativa de poupancas e credito por parte de indiciduos que desenvolvement micro actividades economicas, na maior parte dos casos nao totalmente integradas na economia formal.

Participatory Sub-Sector Study on the Marketing of Fish

Philip Shea, Henda Ducados Pinto de Andrade & Emilia Dias Fernandes
Wednesday, 1 May, 1996

Development Workshop has initiated a project entitled the Women ‘s Enterprise Development in Luanda. The goal of the project is to improve the economic well-being of women in the informal sector of the economy in Luanda, and contribute to local and national policies and activities which reduce constraints and improve opportunities for women small entrepreneurs. The purpose of the project is to enable women micro-entrepreneurs to develop their abilities and skills to address constraints they face in operating their enterprises.

Women's Enterprise Development Programme

Thursday, 4 April, 1996

The target group analysis for the present project focuses on a group of thirty women entrepreneurs from the informal sector working and living in the district of N'Gola Kiluange, which is an urban musseque community in Sambizanga Municipality, located at 8km from the centre of Luanda. Before independence the area was zoned as an industrial district with a low density population. Today the population of the area has grown dramatically and is fuelled by an increasing rate of rural urban migration. The informal sector in N'Gola Kiluange is an important part of community life. Everything from day to day purchases of basic consumer goods to shoe shines to car maintenance to health care is available in the informal market. As yet, there is no precedent, either NGO or governmental for a planned intervention to provide technical assistance, financing or training to improve, develop or support entrepreneurial activities within the informal sector in Angola.

Ngola Kiluanje: Report on Micro-Industries

Development Workshop
Tuesday, 1 September, 1992

This informal sector and micro-industry survey was carried out as part of the Sambizanga Project by activistas working with this project. The survey was done in the commune of Ngola Kiluange which consists of four sectors: Central, Sao Jose, Sao Pedro da Barra and Val Saroca. The coordinator of the Sambizanga Project is Orquidea Saraiva. The preliminary micro-industry inventory was made from July-September 1991.