Our Projects


10 countries and counting.


Mosabi (formerly InvestED)

Financial literacy for all.

Sierra Leone

About Mosabi Mosabi (formerly InvestED) is a social enterprise that educates business owners and communities on financial literacy through an Android app. They are a social enterprise expanding in Sierra Leone and Kenya, offering free educational videos whilst connecting potential borrowers to lenders in emerging markets.

Learn more about Mosabi at https://mosabi.co


Project Name: Market Entry Due Diligence

This project largely involved:

  • Market entry due diligence for app expansion into Indonesia, India and Malaysia.
  • Analysis of demographics, market size, SWOT and Porters Five Forces analysis, amongst others.


FinCap (formerly NBFCCT) / Good Shepherd

Opportunities to build financial capability abroad.

New Zealand

About FinCap/Good Shepherd FinCap offers support to all budgeting and financial capability services in New Zealand whilst Good Shepherd’s objective is to support better futures for disadvantaged women and girls. The joint project had the main objective of assessing the main opportunities and risks of offering their services abroad whilst learning from best practices abroad.

Learn more about FinCap at https://www.fincap.org.nz/

Learn more about Good Shepherd at http://goodshepherd.org.nz/


Project Name: Lending and Financial Capabilities

This project largely involved:

  • Literature review of public and private methods of fostering financial capability abroad.
  • Analysing and assessing the financial and credit lending capabilities of UK, USA, Canada and Norway.


South Pacific Business Development

Driving prosperity in Tonga and Samoa.

Samoa, Tonga

About South Pacific Business Development South Pacific Business Development is a network of microfinance institutions in the Pacific Islands that is dedicated to empowering women by providing opportunities for them to begin and grow their own sustainable income-generating enterprises.

Learn more about South Pacific Business Development at http://www.spbdmicrofinance.com/


Project Name: Anti-Money Laundering Guidelines

This project largely involved:

  • Drafting a set of anti-money laundering guidelines for SPBD Tonga to assist with recognizing money laundering activities and identify procedures for staff to follow in order to report suspicious transactions. This included detailing in the output:
    • Examples of suspicious transactions and money laundering
    • Reporting requirements
    • How to undertake customer due diligence

2016 Samoa

Project Name: Feasibility Study and Market Due Diligence

This project largely involved:

  • Conducting a cost-benefit analysis of three different delivery models
  • Conducting a compliance assessment (business registration, suspicious transaction reporting, customer due diligence, risk assessments and annual reporting)
  • Performing demographic and agent mapping in order to identify optimal delivery zones

Project Name: Money Transfer Service Assessment

This project largely involved:

  • Redesigning SPBD's money transfer request forms
  • Identifying SPBD's unique value proposition in the market and its product objectives
  • Identifying optimal pricing points within the market and key industry trends
  • Developing a cost-effective, community driven marketing strategy

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Progressive Cooperative

Supporting the financially excluded through a credit union/building society.


About Progressive Cooperative Progressive Cooperative is a not-for-profit credit society based in India that provides bank products and support to the financially excluded, families, and micro-enterprises.

Learn more about Progressive Cooperative at http://www.progressivecoop.in/


Project Name: Starting a Cooperative

This project largely involved:

  • Researching different banking models in New Zealand and Australia with a particular focus on non-bank deposit takers.
  • Outlining a step-by-step process to create a credit union or building society in New Zealand and Australia.
  • Researching and reporting on the legal requirements to set up and maintain a credit union or building society.

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Impact investment for sustainable economic opportunities.

USA, New Zealand

About Microdreams MicroDreams is a microfinance organisation that is based in the United States and New Zealand that aims to empower the poor to lift themselves out of poverty through meaningful and sustainable economic opportunity.

Learn more about Microdreams at https://www.microdreams.org/


Project Name: Impact Investment

This project largely involved:

  • Researching potential candidates for the Board of Microdreams to approach for impact investment of approx. USD 100,000.
  • Assessing whether the work of Microdreams fulfilled the criteria for various grants given by foundations based on the type of work they undertake.
  • Creating proposal briefs for each of the candidates identified by the AMI consultants and pitching these to the CEO and Trustees on weekly skype calls. Candidates were then screened and passed on to the board to be taken further.


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Accelerating growth for Kenya.


About Transfedha Transfedha is a microfinance organisation based in Kenya that is geared towards women, youth, and community empowerment to eradicate poverty.

Learn more about Transfedha at https://transfedha-ltd.business.site/


Project Name: Transfedha Growth Project

This project largely involved:

  • In the first stage, we evaluated Transfedha’s operation and recommended improvements on their operation and financial performance in accordance to the S.M.A.R.T guidelines.
  • In the second stage of the operation, we assisted Transfedha with securing external funding through searching potential partner and the creation of a pitch book for individual investors (still in progress).



South East Asia Microfinance

Developing feedback tools.


About South East Asia Microfinance As well as sending consultants to Myanmar in 2015, AMI has advised SEAM on a number of projects in prior years, including its interest rate scheme, team network lending programmes and social impact assessment framework.

Learn more about South East Asia Microfinance at https://seamdevelopment.org/


Project Name: Customer Feedback Satisfaction Tool

This project largely involved:

  • Conducting a literature review of the SMART Campaign's Client Protection Principles.
  • Assessing SEAM's mechanisms for complaint resolution.
  • Developing a thorough feedback collection and grievance process to be implemented by ground staff and management.

Project Name: Financial Management Systems

This project largely involved:

  • Advising on the SMART Campaign's Client Protection Principle: avoiding the over-indebtedness of clients.
  • Reviewing the current loan assessment framework and recommending standardised credit assessment techniques.
  • Developing staff training materials for implementation.

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Ngā Tangata Microfinance Trust

Ensuring financial sustainability.

New Zealand

About Ngā Tangata Microfinance Trust AMI has a longstanding relationship with Nga Tangata Microfinance and has advised on a number of different issues. For example, the widespread issue of Truck Vending throughout New Zealand, education empowerment initiatives and financial literacy programmes.

Learn more about Ngā Tangata Microfinance Trust at https://www.ngatangatamicrofinance.org.nz/


Project Name: Fund Collection and Financial Sustainability

This project largely involved:

  • Assessing NTM's financial position and testing growth assumptions.
  • Identifying operational and capital funding requirements.
  • Developing a plan for choosing corporate partners, which included strategies for NTM's value proposition, cultural allignment, implicit links and the nature of payments.
  • Assisting with the application process



Auckland Council and Te Karanga Trust

Building capabilities of social enterprises.

New Zealand

About Auckland Council and Te Karanga Trust In partnership with Auckland Council's Community Development and Safety (CDS) team, AMI has undertaken three projects to help community groups and micro-entrepreneurs build the capabilities of social enterprise in Auckland's regional communities.

Learn more about Te Karanga Trust at http://www.tekarangatrust.co.nz/

  • Social Enterprise
    • AMI assisted a second-hand uniform shop with selling its uniforms to under-privileged families in Manurewa. The team interviewed the client, performed market research and gathered data to ascertain the best way for the social enterprise to market itself.
  • T-Shirt Business
    • AMI assisted a young start-up entrepeneur with marketing and developing his t-shirt screen printing business. AMI's initiative team advised on financial and administration issues, which successfully resulted in the expansion of the business.
  • Funding
    • In collaboration with Auckland Council, AMI provided consulting services to a social enterprise on Karangahape Road, Auckland. The team assisted Te Karinga Trust with developing a new sustainable funding structure. AMI performed market research and gathered data to ascertain the best way for the Trust to utilise government grants and sponsorship to cover operating costs.


Aotearoa Development Cooperative

Due diligence on the microfinance market.

Malawi & Myanmar

About Aotearoa Development Cooperative Previously, AMI conducted due diligence on the microfinance market in Malawi and performed a feasibility study for new initiatives in the region. In 2016, AMI advised ADC on its current fund model and proposed new partners for a Payroll Giving programme.

Learn more about Aotearoa Development Cooperative at http://www.adc.org.nz/



Kiwi Bank

Public resource on setting a microfinance organisation in New Zealand.

New Zealand

About Kiwi Bank As part of its broader commitment to corporate social responsibility, Kiwi Bank is committed to promoting microfinance within New Zealand and in doing so, supports a number of different charities. AMI consultants developed a prototype framework for starting a microfinance organisation in New Zealand. Its purpose was to provoke discussion and serve as a source of information for the budding microfinance sector in New Zealand. This resource is available to any organisation and can be accessed here.

Learn more about Kiwi Bank at https://www.kiwibank.co.nz/



Tear Fund and ASHA

Fundamental financial curriculum for slums in India.


About Tear Fund and ASHA AMI created a fundamental financial curriculum for slum communities in Delhi as part of the Asha initiative. With language barriers in mind, our team compiled information on financial literacy, business development and marketing with the purpose of providing workshops to small business owners.

Learn more about Tear Fund at https://www.tearfund.org/




Social impact assessment framework.

New Zealand


  • Social Impact Assessment Framework
    • AMI assisted Microwise with developing a dynamic Social Impact Assessment Framework to assess its own charitable objectives. This involved determining current employment levels in New Zealand, extrapolating the initiative's intended impact accross society and developing important KPI's to monitor as part of their broader framework.
  • Pacific Islands Frozen Food
    • AMI analysed past financial performance, conducted surveys on product taste and undertook market research to assist one of Microwise's clients with starting their business. The team's work was implemented by the client and incorporated into their business model.