Contact us
01 53 32 75 75
Contact us
01 53 32 75 75
Everyone deserves a chance. We open our doors to those who are underserved by traditional financial services, offering them tailored, simple, and accessible services to help them achieve their projects. We provide opportunities to all our employees based solely on their merit, without any discrimination.
We are committed to providing quality service in a responsible and professional manner. We strive to build a better future for our clients and employees, and more broadly, for the communities in which we operate.
We encourage the entrepreneurial spirit of our clients and collaborators. We support their determination to succeed, their ability to turn obstacles into opportunities, to push boundaries, and to take initiatives both individually and collectively.
We develop our collective creativity to effectively meet the needs of our clients and find innovative solutions to the challenges posed by our mission. We evaluate, test, and refine our solutions to ensure they remain client-centric.
Horus provides services in the field of development financing through short-term consulting missions with donors, governments, and financial institutions (banks and MFIs). As an expert in microfinance and SME financing especially in Africa, Horus is gradually called upon to provide longer-term technical assistance to microfinance programs and financial institutions.
In 2005, Horus Development Finance creates an investment company, Advans SA SICAR, with the aim of establishing an international microfinance network of institutions and investing in existing institutions that share the same values.
Air+ is Advans’ digital transformation program aimed at replacing current IT systems and solutions, while adopting harmonized and standardized processes. The primary objective is to make life easier for our clients, both in terms of loan subscription and the day-to-day management of their financial operations, even for clients located far from our branches. This digital transformation also provides our subsidiaries and all of their employees with digital solutions that enable more reliable management of their activities, better tracking of operations, and an overall improvement in productivity.
Twenty years of financial inclusion mean twenty years of human adventures, challenges, and resilience. For our group, this anniversary is an important milestone, but it takes on even greater meaning when we think of the one million clients supported across Africa, or the 2,500 young people under 25 recruited and trained throughout our network.
In twenty years, 400,000 borrowers have been able to develop their businesses thanks to our institutions in North, West, and Central Africa, and more than 900,000 depositors have placed their trust in us.
These figures reflect a simple reality: together, we are nurturing local entrepreneurship and advancing financial inclusion. And the journey continues…
As an expert in microfinance and SME financing in Africa, Advans is recognized for its commitment to empowering women and entrepreneurs.
ADVANS NIGERIA
was named the Microfinance Bank of the Year 2024 for its client-centric excellence at the Edges Awards, organized by Marketing Edge.
ADVANS COTE D’IVOIRE
was named as the Microfinance institution with the best digital transformation in 2024 during the Digital Transformation Awards by Yadec Consulting.
ADVANS NIGERIA
was named Microfinance with the greatest impact in the South-West region in 2024 and recognized for its operational excellence by the Development Bank of Nigeria at the DBN Awards 2024.
ADVANS GHANA
was named Innovation Excellence Award 2025 winner by the France-Ghana Chamber of Commerce and Industry (CCIFG) at the Business Performance Awards.
was named Brand of the Year 2023 for microfinance banks and the most innovative and client-centered microfinance bank.
It was elected Savings and Credit Company of the Year for the second consecutive year in 2023 (Ghana Business Awards) and received the Most Promising Human Resources Management Award (HR Focus Awards)
was named Best Microfinance for “Agricultural Credit” and Best Microfinance for “Loans to Women” for the year 2023 according to the African Consumer Label.
The board of directors of Advans is composed of experts with strong experience in the financial services sector. It is responsible for the governance of Advans SA in accordance with its statutes and Luxembourg law. Advans SA has also established committees to support the board: the Audit and Risk Committee, and the Human Resources and Governance Committee. A Social Performance Officer has also been appointed within the Board.
Chairman of the Board
The support services of the Advans group are based at Advans International in Paris. Business lines and strong group departments have been created to guide and support the development of its international microfinance network of subsidiaries. Advans International supports, supervises, and establishes standards for the group by providing subsidiaries with advice, resources, and expertise.
CEO
DCEO – Finance
DCEO – Operations
Organization
Business Development
Risk and Audit
Advans SA is an investment company registered in Luxembourg and supervised by the CSSF. Advans SA invests in the creation and development of microfinance institutions alongside co-shareholders who share the same values. As a majority or principal shareholder, Advans SA invests for the long term to provide capital to its subsidiaries and facilitate their growth through loans and guarantees. Advans SA actively participates in the governance of these institutions.
The shareholding of Advans SA combines the technical expertise of Advans International with the financial strength of 6 leading development banks. These organizations have been essential to the development of the microfinance sector worldwide for many years.
FMO, the Dutch development bank, supports entrepreneurs and the growth of the private sector in over 85 countries. With €13.2 billion invested, it focuses on financial institutions, energy, and agro-industry, particularly food and water, to promote social and environmental impact.
The EIB, the EU’s financial arm, is one of the largest financial institutions in the world and a key player in climate financing. It works with EU institutions to promote European integration, support EU policies in 160 countries, and focus on climate, cohesion, innovation, human capital, and SMEs.
IFC, a member of the World Bank Group, is the largest development institution dedicated to the private sector in emerging markets. In 2023, IFC committed USD 43.7 billion to support businesses and financial institutions in over 100 countries, aiming to eliminate extreme poverty and promote shared prosperity in the face of global crises.
The Investment and Support Fund for Enterprises in Africa (FISEA) was created in 2009 by the French Development Agency (AFD) to support the growth of SMEs in Africa. Funded by AFD and implemented by Proparco, its subsidiary dedicated to the private sector, FISEA supports economic development aligned with the Sustainable Development Goals.
British International Investment (BII) is the United Kingdom’s development finance institution. BII invests in sustainable and inclusive economies in Africa, Asia, and the Caribbean. Between 2022 and 2026, 30% of its commitments will be dedicated to climate finance. BII is also a founding member of the 2X Challenge for women’s empowerment.
KfW, the German development bank, is an experienced institution that has been assisting the German government in achieving its development goals for over 60 years. It supports partner countries in the fight against poverty, maintaining peace, protecting the environment, and stabilizing the climate.
With Advans Invest, current and former employees of Advans SA participate in the development of the institution.