A Gapi – Sociedade de Investimentos, a Mozambican development finance institution dedicated to financing and providing technical support to micro, small, and medium-sized enterprises (MSMEs) – channeled approximately 400 million meticais to the rural economy in 2025, ending the fiscal year with a solid loan portfolio.
According to a statement quoted by the Club of Mozambique, this performance consolidates the institution as one of the main national instruments for development financing and reflects consistent growth in disbursements, diversification of financing sources and supported sectors, as well as prudent control of non-performing loans.
Throughout 2025, the loan portfolio experienced sustained growth, driven by increased disbursements from different funds and financing lines. Resource mobilization was not concentrated in a single instrument but was distributed across several lines, which strengthened the ability to respond to market needs.
Despite the natural concentration in strategic sectors, non-performing loan indicators remained under control, demonstrating that the portfolio remains healthy overall. Prudent risk management has been a determining factor in sustaining business growth with financial stability.
Analysis by gender and type of company shows the institution’s alignment with financial inclusion policies. A significant portion of the financing was directed to women-led companies and small and medium-sized enterprises (SMEs), segments traditionally underserved by the formal financial system.
Gapi strengthens agricultural financing and projects sustainable growth until 2030
From a territorial perspective, the regional distribution of the portfolio and the structure of guarantees reveal a significant presence in various regions of the country. This approach contributes to reducing asymmetries in access to financing, seeking to balance risk mitigation with credit facilitation.
For the agricultural sector, considered strategic for the national economy and food security, just over 200 million meticais were channeled in 2025. The amount financed production, processing, and marketing projects in various value chains, with a direct impact on small and medium-sized producers organized into associations and cooperatives.
In parallel with strengthening its financing, Gapi – Sociedade de Investimentos is updating its institutional strategy with a horizon up to 2030. The strategic review aims to strengthen the link between financing, capacity building, and partnerships, responding to growing demand from SMEs and rural producers.
For the first quarter of 2026, projections point to continued growth in the portfolio and disbursements, consolidating the institution’s role in economic development, social inclusion, and financial sustainability.
