1 Trust, innovation, teamwork, and passion are the core values of Peruvian micro- financial services company Credinka, founded 1994. At its start, the company’s goal was offering accessible and reliable products and financial services to rural populations in Peru, with a focus on the Cusco Region. Over time, the company grew, and in 2007 the DIVISO Financial Group joined the organization as the main shareholder, initiating a new wave of expansion in Peru’s southern regions. Currently, Credinka has 70 agencies and approximately 1,200 users, many of whom access Credinka’s portfolio of services from Peru’s most remote areas. Credinka’s offering includes saving funds, debit cards, fixed-period deposits, business and personal credit lines, insurance, utility payments, a mobile transact

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