Development finance that can actually reach the last mile.
JIFI is the programme and partnership layer that uses Jaza Capital’s branch network, field teams, enterprise relationships, systems and data discipline to deliver inclusive-finance and enterprise-development mandates.
Access is not the same thing as enterprise progress.
Jaza’s customers repeatedly show that finance can solve a working-capital problem without solving the full set of constraints around the business.
Entrepreneurs ask for stronger records, pricing and cash-flow capability, savings discipline, supplier and market connections, technical assistance and help navigating multiple forms of finance. Development partners need local systems that can identify enterprises, diagnose constraints, deliver support, administer programme resources and measure what changed.
JIFI connects those two realities. It converts a partner mandate into a controlled enterprise journey using Jaza Capital’s existing last-mile operating platform.
Jaza is the operating platform. JIFI is how partners use it.
JIFI owns programme integration and accountability. Jaza supplies institutional and field rails. Specialist partners add depth where needed.
Partner mandate
Objectives, target groups, outcomes, budget and instrument.
JIFI integration
Diagnosis, programme design, delivery architecture and controls.
Jaza platform
Branches, field teams, systems, enterprise relationships and shared services.
Enterprise journey
Prepare, strengthen, support, finance where justified and link to markets.
Evidence
Tracking, protection, learning, reporting and decisions to adapt or scale.
Commission one capability or an integrated programme.
JIFI coordinates the enterprise journey and remains accountable for the delivery functions assigned to it.
Advisory & diagnostics
Targeting, enterprise assessment, constraints, readiness and programme design.
Enterprise development
Financial health, records, cash flow, pricing, formalisation, coaching and business capability.
Technical assistance
Direct support and coordination of specialist partners for deeper sector, climate, market or technical needs.
Programme delivery
Participant identification, mobilisation, field coordination, implementation, reporting and close-out.
Evidence & MEL
Baseline, monitoring, participant protection, learning, outcome measurement and partner reporting.
Programme capital
Fund administration, grant and returnable-grant management, controlled disbursement and managed programme capital.
Partner money is not Jaza’s commercial loan book.
The distinction is operational, financial and visible. It protects the programme, Jaza Capital and the partner.
Jaza Capital’s own lending capital
Commercial portfolio, credit decisions and returns sit within Jaza Capital’s normal lending business and financial discipline.
Partner-funded programme resources
Programme capital, grants and implementation resources are separately budgeted, coded, reconciled and reported under the relevant partner arrangement.
Where JIFI is especially useful.
Build capability without forcing finance
For programmes focused on enterprise resilience, financial capability, market readiness, formalisation or technical support.
Control programme money locally
For grants, returnable grants or managed programme capital requiring eligibility, disbursement, verification, servicing and reconciliation.
Combine support and appropriate instruments
For programmes where finance should follow enterprise preparation and suitability rather than precede it.
Turn delivery into defensible evidence
For partners that need a local delivery layer able to track what happened, learn and support decisions to stop, adapt, institutionalise or scale.
Bring the mandate. We build the delivery path.
Tell us the enterprise group, outcome and programme challenge you are trying to solve. We can shape the right combination of delivery, technical assistance, finance and evidence.
Partner with JIFI