Who We Are?

DIFO SA is a limited company created in 2010 and approved by the BRB under the 2nd category (as a Microfinance Institution) and whose main objective is to provide quality banking services easily accessible to small and medium-sized enterprises, to different economic groups and to the low-income population.

Currently DIFO SA provides financial and non-financial services to more than 18, 481 customers and disadvantaged households in Burundi focusing on low-income households without assets, working in the informal sector (and / or rural) to improve their level of life. In addition to all these financial services, he also focuses on their social, educational, skill development and many other things thanks to his 5 fully operational points of service with well-trained human resources and a strong, enthusiastic and young management team that gives them the opportunity to provide the highest quality financial services to their clients.

Mission

Deliver financial services for all publics in general and in particular for the economically active poor in the margins of the traditional sector, from rural and urban areas, by making them closer and accessible to the target populations in order to contribute to the fight against poverty in Burundi.

Vision

To be the leader of microfinance institutions in the sense of innovation, quality of services and commitment to contribute to the economic and social well-being of local people and communities for the sustainable development of Burundi.

Our Products

Savings & Deposits

At DIFO, we offer a variety of Savings Accounts to help you save and manage your money better. Our savings accounts are easy to open and operate regardless of your location through our branch network

Loans

DIFO offers a variety of loan products specifically designed for individuals running micro, small and medium enterprises. A comprehensive research is conducted prior to each product’s introduction. The processes and procedures are also tailored and customized according to our clientele requirements, bringing convenient credit facilities to our customers.

Some facts as of December 31, 2021

Branches
5
Number of customers (29.6% women and 23.7% of rural clients)
18481
Loans Provided
177354
Amount of Loans Already Granted
36582247011

Reduce risk and increase your income by saving today with DIFO SA.

WHAT OUR CUSTOMERS ARE SAYING

DIFO S.A is important to us because, as coffee farmer, we face money problems due to the fact that we have to wait for the harvest and then the sale and DIFO S.A allows us to face it by granting us advances on wages on presentation of the promissory notes provided by the coffee office or by granting us loans which we repay with money from the sale of coffee.

The loans contracted with DIFO S.A allowed me to renovate my house, increase my harvest and meet the different needs of my family

NGEZEBUHORO Prospère / Coffee Grower

From the time I received my salary directly from the Burundi Tea Office, I was in a difficult situation, which did not allow me to carry out my projects. Although the Burundi Tea Office gives us our wages on time, there was not a fund to provide us with loans, which meant that I was still indebted to individuals, which to give me a debt, asked for high interest.

DIFO has allowed me to be more respected by my entourage because now I am not always borrowing money from them. Even now they are the ones thinking about borrowing me money.

 

NIYONZIMA Anatole / Tea Cultivator

Before the arrival of DIFO S.A, one could spend a month or two with promissory notes from the sale of tea but nowhere to trade them for money. As a result, when faced with a problem such as a sick woman or child or the payment of fees, we had recourse to loans from merchants which requested an interest between 30 and 40%.

The arrival of DIFO S.A was like a providence for us. Life has become easier, when faced with a concern, DIFO SA gives us an overdraft with an acceptable rate.

 

NDAYISHIMIYE Alphonse / Tea Cultivator

Before DIFO S.A, I was a member of COPEC Microfinance. It was then that I became aware of the existence of DIFO S.A, the time of processing their loans, the way they grant them without problem and without forgetting the way they take the time to listen to you. It was after that I decided to become a member of DIFO S.A.

DIFO S.A allowed me to blossom by giving me my first loan and I know they will be there the next time I need a loan.

BUKURU Claudine / Owner of a Hair Salon

Before the arrival of DIFO S.A, when someone needed money to buy potatoes seed, he had to ask for a loan from individuals. Sometimes he was unable to pay the loan due to poor weather conditions and had to sell his piece of land to pay back.

DIFO helped us a lot thanks to their teachings and their way of accompanying us in our projects by sending us for example an agronomist after the granting of a loan for the cultivation of potatoes.

NDAYISABA Victor / Agricultural Monitor

DIFO S.A granted us a refundable loan over one year. The loan has allowed us to start our pork farming business and to date, with a departure of 2 pigs, we have added pigs to our flock and started to sell them. We are confident about the possibility of repaying the loan and have been promised to refinance again to expand our operation.

In a few words, the coaching and the support received from DIFO S.A. allowed us to create jobs and support ourselves.

NIYONKURU Capitoline/Representative of the Association of Engaged Youth for Development

Partners

Head Office

9A1 Avenue des pecheurs, Quartier Asiatique, Rohero I, Bujumbura
+257 22 27 58 59

Business Hours


Mon-Fri: 08:00am - 12:00pm

02:00pm - 05:00pm

Sat: 11:00am - 02:00pm

Public Holidays: Closed

Amitie Branch

18B Avenue de l'amitie, Rohero I, Bujumbura
+257 22 27 57 81

Business Hours

Mon-Fri: 08:00am - 5:00pm

Sat: 11:00am - 03:00pm

Sun: 09:00am - 01:00pm

Public Holidays: 09:00am - 01:00pm

Cotebu Branch

Ngagara, Bujumbura
+257 22 28 01 23

Business Hours

Mon-Fri: 08:00am - 12:00pm

02:00pm - 05:00pm

Sat: 11:00am - 02:00pm

Public Holidays: Closed

 

Bukeye Branch

Bukeye, Muramvya

Business Hours

Mon-Fri: 08:00am - 5:00pm

Sat: 11:00am - 02:00pm

Sun: 09:00am - 01:00pm

Public Holidays: 09:00am - 01:00pm