Optima Servicios Financieros S.A. de C.V.
BIO has granted a USD 5 M loan to Optima Servicios Financieros, a Salvadorian microfinance institution.
Amount
€ 4,429,500.00
Type of investment
Debt
Development impacts
- Local economic growth
- Private sector consolidation/innovation
- Financial inclusion
Beneficiary locations
Investment field
Financial Institutions
Activity
Organisation
Optima Servicios Financieros S.A. de C.V.
Website
https://optima.com.sv/Domicile
Optima Servicios Financieros (Optima) is among the main actors specialised in microfinance in the country.
The company was founded in 2009 by a Salvadoran entrepreneur with the aim to become the institution of choice for MSMEs and underserved segments of the banking sector. Since its inception, the company has striven for a culture of achievement and professionalism.
Optima operates with a network of 13 branches all over the country and offers high-quality adapted products and services to clients. Optima has well-anchored entrepreneurial roots with a strong focus on innovation and digitalisation.
Development impacts
-
Local economic growth
Credit provision to MSMEs: Most loans are to microenterprises (39%) and SMEs (59%).
-
Private sector consolidation/innovation
Market structuring effects: Through the financing, BIO expects an increase of the institution's market share in the microfinance sector.
-
Financial inclusion
98% of the portfolio are loans for MSMEs.
E&S impact
BIO and Optima have agreed on the following E&S improvement measures:
- To nominate an E&S Manager and E&S Officer, and provide them with E&S training
- To develop a Sustainability Policy, in full alignment with the EDFI exclusion list
- To perform an external Client Protection or SPI4 assessment
- To implement measures regarding fire safety, workers’ representation, overtime and the grievance mechanism for workers.
Current situation
Optima does not have a specific E&S Policy in place but applies an exclusion list as part of the credit policy, which is largely aligned with the EDFI exclusion list.
There is no formal E&S team or committee in place. The responsibility of verifying the exclusion list during the loan assessment is part of the business risk function. The company endorses the Client Protection Principles, but has not yet done any type of social Client Protection/SPI4 audit.
Risk Category : C
View more of our investments in this region
Optima Servicios Financieros S.A. de C.V.
4,927.00
El Salvador
28/10/2025
Subsidy
