Impact investing is not about trade-offs—it is about unlocking
value where markets and societies need solutions most.

Rural communities require enabling capital to advance the economy

China has the world’s largest unbanked population of nearly 287 million people, with majority in rural areas. These rural communities typically comprise micro-entrepreneurs or small-scale enterprises that are unable to sustain or scale with insufficient financial resources.

As MSMEs account for 97% of registered businesses and 82% of employment in the country, limited access to financial services has been and continues to be a significant barrier to economic development in rural China. The success and revitalisation of these rural communities and economy are integral to the continued growth of the Chinese economy.

Investing in affordable microfinance solutions to revitalise the rural economy

Chongho Bridge’s convenient, fast, and economical rural services enable borrowers to invest in their livelihoods, achieve financial resilience, and ultimately better their standards of living. Better business prospects also enable customers to improve their working conditions and provide more employment opportunities to their communities.

Chongho Bridge facilitates the achievement of sustainable economic development in these rural populations. Our investment in the company highlights our commitment to advancing financial inclusion and reducing inequalities for underserved communities.

Myriad of challenges for India’s health sector

COVID-19, rapid urbanisation and the rising burden of chronic diseases pose major health challenges globally. In India, issues around access and affordability of healthcare services further magnify these problems for its health systems and population. As demand consistently increases, the country’s supply infrastructure is further constrained, both in terms of quality and quantity. Shortages in health workforce and resources as well as limited organised healthcare providers result in India’s population experiencing fragmented, sub-optimal care – within and outside the hospital.

Investing in out-of-hospital care to transform healthcare delivery models

We invested in HealthCare atHOME (HCAH) for its two-fold ability to deliver positive benefits at both the individual and systemic level. HCAH offers a diverse suite of specialised out-of-hospital services at affordable pricing, ranging from ICU-at-home to rehabilition services and recently, COVID care. By providing alternate care delivery structures, HCAH contributes to improving the access and quality of health services for patients, while offering systemic relief to India’s constrained supply infrastructure. HCAH’s out-of-hospital model also ensures patients receive continuous care with reduced risk of hospital readmissions and infections, driving better health outcomes for the population.

Oral health remains neglected in the overall health agenda

Oral diseases affect over 3.5 billion people globally. Poor oral health remains a silent epidemic, particularly for low- and middle-income countries and their disadvantaged populations. Maintaining good oral health is also fundamental to overall health as oral diseases often share risk factors and social determinants with numerous other non-communicable diseases.

Investing to address inequalities in access to oral healthcare

We invested in Kim Dental to bridge the access gap for oral healthcare in Vietnam. Through its affordable range of dental services, Kim Dental is able to reach an underserved population and meet the oral care needs of the country’s emerging middle class. It also bolsters health infrastructure and workforce through its quality clinics and training initiatives, to contribute to an increasing standard of oral health services throughout the country.