{"id":48217,"date":"2025-04-22T20:35:47","date_gmt":"2025-04-22T18:35:47","guid":{"rendered":"https:\/\/www.bettervest.com\/?page_id=48217"},"modified":"2025-05-21T18:11:12","modified_gmt":"2025-05-21T16:11:12","slug":"fortune-credit-1b","status":"publish","type":"page","link":"https:\/\/www.bettervest.com\/en\/current-projects\/fortune-credit-1b","title":{"rendered":"new Fortune Credit 1b Project Page"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"48217\" class=\"elementor elementor-48217\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-762d3eee elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"762d3eee\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d6516ca bettervest_project_header\" data-id=\"4d6516ca\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54be0d1f elementor-widget elementor-widget-html\" data-id=\"54be0d1f\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>\r\n    if (window.bettervest == null) {\r\n        window.bettervest = {};\r\n    }\r\n    window.bettervest.projectId = \"040323bf-0a95-4b90-9550-7f81c05d22d5\";\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-195badb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"195badb7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5abfd35a\" data-id=\"5abfd35a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10a99639 elementor-widget elementor-widget-spacer\" data-id=\"10a99639\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-135bf530 elementor-widget elementor-widget-spacer\" data-id=\"135bf530\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2925458e elementor-widget elementor-widget-heading\" data-id=\"2925458e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Support Fortune Credit in issuing and distributing microfinance loans for the purchase of environmentally friendly technologies, saving 6,920 tons of CO2 annually and creating 6,000 new jobs.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4aee0033 elementor-widget elementor-widget-video\" data-id=\"4aee0033\" data-element_type=\"widget\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><div class=\"BorlabsCookie\"><div class=\"_brlbs-content-blocker\"> <div class=\"_brlbs-embed _brlbs-video-youtube\"> <img decoding=\"async\" class=\"_brlbs-thumbnail\" src=\"https:\/\/www.bettervest.com\/wp-content\/plugins\/borlabs-cookie\/images\/cb-no-thumbnail.png\" alt=\"YouTube\"> <div class=\"_brlbs-caption\"> <p>Mit dem Laden des Videos akzeptieren Sie die Datenschutzerkl\u00e4rung von YouTube.<br><a href=\"https:\/\/policies.google.com\/privacy\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Mehr erfahren<\/a><\/p> <p><a class=\"_brlbs-btn _brlbs-icon-play-white\" href=\"#\" data-borlabs-cookie-unblock role=\"button\">Video laden<\/a><\/p> <p><label><input type=\"checkbox\" name=\"unblockAll\" value=\"1\" checked> <small>YouTube immer entsperren<\/small><\/label><\/p> <\/div> <\/div> <\/div><div class=\"borlabs-hide\" data-borlabs-cookie-type=\"content-blocker\" data-borlabs-cookie-id=\"youtube\"><script type=\"text\/template\">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<\/script><\/div><\/div><\/div>\t\t\t\t<div class=\"elementor-custom-embed-image-overlay\" style=\"background-image: url(https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/2.jpg);\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Play Video\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69d44bc7 elementor-widget elementor-widget-text-editor\" data-id=\"69d44bc7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Video from April 2024. For subtitles, please press the CC button at the bottom right of the screen.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14c111e elementor-alert-warning elementor-widget elementor-widget-alert\" data-id=\"14c111e\" data-element_type=\"widget\" data-widget_type=\"alert.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-alert\" role=\"alert\">\n\n\t\t\t\t\t\t<span class=\"elementor-alert-title\">Notice pursuant to Section 12 (2) of the German Investment Act (Verm\u00f6gensanlagengesetz):<\/span>\n\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-alert-description\"><p>The acquisition of this investment is associated with considerable risks and may lead to the complete loss of the invested assets.<\/p>\n<\/span>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6de8da elementor-widget elementor-widget-spacer\" data-id=\"4b6de8da\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c027f67 elementor-widget elementor-widget-heading\" data-id=\"c027f67\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">UN Development Goals (SDGs)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f31760d elementor-widget elementor-widget-spacer\" data-id=\"3f31760d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-82235e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"82235e9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-52c9b1da\" data-id=\"52c9b1da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46553567 elementor-widget elementor-widget-image\" data-id=\"46553567\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"5088\" height=\"719\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/07\/SDGs2.png\" class=\"attachment-full size-full wp-image-44689\" alt=\"\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/07\/SDGs2.png 5088w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/07\/SDGs2-300x42.png 300w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/07\/SDGs2-1024x145.png 1024w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/07\/SDGs2-768x109.png 768w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/07\/SDGs2-1536x217.png 1536w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/07\/SDGs2-2048x289.png 2048w\" sizes=\"(max-width: 5088px) 100vw, 5088px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-71df82bb elementor-widget elementor-widget-spacer\" data-id=\"71df82bb\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3842c534 elementor-widget elementor-widget-html\" data-id=\"3842c534\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script> \r\njQuery(document).ready(function($) { \r\nvar delay = 100; setTimeout(function() { \r\n$('.elementor-tab-title').removeClass('elementor-active');\r\n $('.elementor-tab-content').css('display', 'none'); }, delay); \r\n}); \r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b489a7b elementor-widget elementor-widget-heading\" data-id=\"b489a7b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The investment at a glance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c24d647 elementor-widget elementor-widget-spacer\" data-id=\"c24d647\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc66019 elementor-widget elementor-widget-text-editor\" data-id=\"dc66019\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The overall project has a funding target of EUR 2,198,000 (including bettervest fees). This will be financed in individual tranches, with this tranche having a funding target of EUR 600,000. The figures in the text refer to the overall project.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eeb44c9 elementor-widget elementor-widget-spacer\" data-id=\"3eeb44c9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2af96dd1 elementor-widget elementor-widget-spacer\" data-id=\"2af96dd1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5a1099cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a1099cd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3529c68d\" data-id=\"3529c68d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-549f9d08 elementor-widget elementor-widget-html\" data-id=\"549f9d08\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.react-app-project-side-bar{font-family: \"Fira Sans\", Sans-serif;}<\/style>\r\n<div class=\"react-app-project-side-bar\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7d8af62f\" data-id=\"7d8af62f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b057f91 elementor-view-stacked elementor-position-left elementor-shape-circle elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"7b057f91\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-sun\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProject intention\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe Kenyan company <i>Fortune Credit Limited (Fortune Credit)<\/i> is a <b>microfinance institution<\/b>. The company provides <b>integrative financial services <\/b>that <b>positively transform the lives <\/b>of local people and increase the resilience and sustainability of the target population. An important branch of the company is <b>green integrative finance<\/b>, which is achieved through product innovation, partnerships and capacity building, e.g. in the form of <b>loans for renewable energy<\/b>. With the loan, <i>Fortune Credit<\/i> aims to finance the <b>granting and distribution of microfinance loans <\/b>for the <b>acquisition of environmentally friendly technologies.<\/b> The technologies include for example <b>e-bikes, solar home systems, biogas plants and efficient cooking stoves <\/b>for private households and small businesses. The loan will also be used for the <b>marketing of microfinance loans<\/b>, for <b>personnel<\/b> and for <b>legal services<\/b>. Added to this are <b>management support functions<\/b> such as costs for training, IT, auditing, accounting and communication as well as the rent over 5 years for additional space in the office building already rented.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20dead56 elementor-view-stacked elementor-position-left elementor-shape-circle elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"20dead56\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-leaf\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEnvironmental &amp; social impact\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe granting and distribution of green microfinance loans supports<b> technologies that protect the environment<\/b>. Investments in <b>climate-friendly technologies<\/b>, for example, lead to the conversion of households and businesses to <b>clean energy<\/b>, thereby<b> reducing deforestation, CO2 emissions and health risks. <\/b>The switch to e-bikes also creates around <b>6000 new jobs<\/b> in various sectors in the region and <b>improves the health<\/b> of local people, reduces traffic congestion and promotes inclusion.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49d54262 elementor-view-stacked elementor-position-left elementor-shape-circle elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"49d54262\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-globe-africa\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClimate protection\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe implementation of the overall project is expected to save <b>13,420 tons of CO2 in the first year<\/b> and <b>6,920 tons of CO2 annually thereafter.<\/b>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-115d39f4 elementor-view-stacked elementor-position-left elementor-shape-circle elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"115d39f4\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-money-bill-alt\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEarly-Bird-Bonus\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAll investors who invest up to and including <b>18.06.2025<\/b> will receive an <b>Early-Bird-Bonus of 0.8% p.a.<\/b> The total interest rate therefore increases to <b>8.80% p.a..<\/b>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-69edd35a\" data-id=\"69edd35a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-536887b8 elementor-view-stacked elementor-position-left elementor-shape-circle elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"536887b8\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-lock\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEstablished, sustainable company\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t<i>Fortune Credit Limited<\/i> is a Kenyan company based in the capital <b>Nairobi<\/b>. The company was founded in <b>2014<\/b> to promote the <b>economic development of the rural population in Kenya <\/b>through appropriate savings, credit and insurance services. <i>Fortune Credit's<\/i> goal is to improve the <b>living conditions<\/b> of low-income households by building<b> sustainable business models<\/b>. The company's mission is to provide <b>solutions to accelerate access <\/b>to innovative financial products and services that have an <b>economic <\/b>and <b>socio-economic<\/b> <b>impact<\/b>. In 2017, Fo<i>rtune Credit<\/i> launched the <b>\u201cGreen Energy Loan\u201d <\/b>and has since been providing loans for <b>renewable energy,<\/b> such as energy-efficient <b>cookstoves<\/b>, <b>solar lighting solutions<\/b> or <b>electric motorcycles<\/b>. The goal is to distribute over <b>15,000 <\/b>clean energy products by <b>2027<\/b>, benefiting over <b>50,000 people<\/b>. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-118df541 elementor-widget elementor-widget-spacer\" data-id=\"118df541\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2118a514 elementor-view-stacked elementor-position-left elementor-shape-circle elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"2118a514\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-money-bill-alt\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRisk reduction measures\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIn order to be able to incorporate risk-mitigating measures despite the <b>subordinated loan<\/b>, a <b>special purpose vehicle<\/b> called Afrika Emissions 7 UG (haftungsbeschr\u00e4nkt), based in Germany, was established to act as the <b>borrower<\/b> for this project. It forwards the collected capital as a secured loan to the project owner in Kenya, <i>Fortune Credit Limited (Fortune Credit)<\/i>. The shareholders and managing directors of Afrika Emissions 7 UG (haftungsbeschr\u00e4nkt) are<b> independent <\/b>of Fortune Credit.\n<br><br>\n<b>Personal guarantee of the shareholders:<\/b>\n\nIn the event of a payment default, the shareholders are liable for the repayment of the loans with a <b>personal guarantee<\/b>.\n<br><br>\n<b>Liquidity buffer of 1.25%:<\/b>\n\nIn addition, <i>Afrika Emissions 7 UG (haftungsbeschr\u00e4nkt)<\/i> will be provided with a <b>liquidity buffer of 1.25%<\/b> of the issue volume raised (which will also be collected via crowdfunding) in order to be able to intervene or even take legal action in the event of any repayment problems on the part of the local project owner.\n<br><br>\n<b>Currency hedging for the KES\/EUR loan:<\/b>\n\n<b>Currency hedging<\/b> in the form of insurance is intended to offset the risk of <b>exchange rate fluctuations<\/b>.\n<br><br>\nFurther information on the risk reduction measures is available further down on this page.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce1d608 elementor-widget elementor-widget-spacer\" data-id=\"ce1d608\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-177a206 elementor-widget elementor-widget-spacer\" data-id=\"177a206\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b495bec elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b495bec\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-621d19d\" data-id=\"621d19d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6dbf5da2 elementor-widget elementor-widget-spacer\" data-id=\"6dbf5da2\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c9c0319 elementor-widget elementor-widget-heading\" data-id=\"7c9c0319\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Project description<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f9b5ebf elementor-widget elementor-widget-accordion\" data-id=\"2f9b5ebf\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7981\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7981\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Project intention<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7981\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7981\"><p>In recent years, both <b>local<\/b> and <b>international crises<\/b> as well as the <b>consequences <\/b>of the <b>climate crisis <\/b>have worsened the situation of economically <b>disadvantaged people <\/b>in countries of the Global South. People in <b>rural areas <\/b>in particular are at risk of <b>poverty <\/b>and <b>hunger<\/b> due to the effects of the<b> climate crisis<\/b>,<b> economic shocks <\/b>and <b>rising fertilizer prices.<\/b> The use of<b> integrative financial services<\/b> can make a significant contribution to <b>global food security<\/b>, because when people have access to the financial sector, they can plan better, <b>build up reserves<\/b> and <b>invest<\/b> money. This usually also leads to improved access to <b>sufficient nutrition<\/b> and <b>high-quality food<\/b>.*<\/p><p>The microfinance institution <i>Fortune Credit Limited<\/i> has set itself the goal of promoting the economic development of the rural population in Kenya through <b>suitable savings, credit and insurance services.<\/b> The company provides integrative financial services that positively<b> transform <\/b>the lives of <b>local people<\/b> and increase the <b>resilience<\/b> and <b>sustainability <\/b>of the target population. An important branch of the company is <b>green integrative finance<\/b>, which is achieved through <b>product innovation<\/b>, <b>partnerships <\/b>and <b>capacity building<\/b>, e.g. in the form of loans for <b>renewable energy<\/b>.<\/p><p>With the loan, <i>Fortune Credit<\/i> aims to finance the <b>origination <\/b>and <b>distribution<\/b> of <b>microfinance loans<\/b> for the <b>acquisition<\/b> of environmentally friendly <b>technologies<\/b>. The technologies include <b>e-bikes, solar home systems, biogas plants and efficient cooking stoves<\/b> for private households and small businesses. The loan will also be used for the <b>marketing<\/b> of microfinance loans, for<b> personnel<\/b> and for<b> legal services.<\/b> Added to this are management support functions such as costs for <b>training, IT, auditing,<\/b> <b>accounting<\/b> and <b>communication<\/b> as well as the <b>rent<\/b> over 5 years for additional space in the office building already rented.<\/p><h6><span style=\"color: #999999;\">*Source: https:\/\/www.oikocredit.de\/k\/n557\/news\/view\/368536\/3148\/european-microfinance-award-platz-zwei-und-drei-fur-partnerorganisationen-von-oikocredit.html<\/span><\/h6><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7982\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7982\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Environmental & social impact<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7982\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7982\"><p><i>Fortune Credit&#8217;s<\/i> business model actively contributes to <b>6<\/b> of the <b>UN&#8217;s sustainable development goals<\/b> by supporting <b>climate-friendly technologies<\/b> through the provision of <b>green financial loans<\/b>:<\/p><p>The provision of microfinance loans for the purchase of <b>environmentally friendly technologies<\/b>, such as <b>e-bikes, sustainable cookstoves, solar-powered irrigation and biogas,<\/b> leads to the conversion of households, institutions and companies to<b> clean energy<\/b> and the introduction of low-carbon production (Goal 7.2). It also <b>reduces CO2 and methane emissions <\/b>(Goal 13), which contributes to combating climate change.<\/p><p>In addition, the <b>health and standard of living of local people <\/b>will be improved through the implementation of the project. For example, the e-bikes help to reduce air pollution, which leads to <b>better air quality and a reduction in respiratory and cardiovascular diseases <\/b>in urban areas (objective 3.9). The sustainable cookstoves significantly <b>reduce indoor air pollution<\/b> and reduce the incidence of respiratory diseases, eye problems and other health problems related to smoke inhalation.<\/p><p>Solar-powered irrigation <b>increases agricultural productivity<\/b>, as solar-powered irrigation systems increase crop yields and enable several growing seasons, which <b>increases the income of small farmers<\/b> and contributes to <b>economic growth<\/b>. In addition, the installation, maintenance and operation of solar-powered irrigation systems <b>create jobs and thus support the local economy <\/b>(Goal 8.4). The increased crop yields lead to higher incomes for farmers and <b>improved food security,<\/b> which can contribute to <b>poverty reduction<\/b> (Goal 1.2).<\/p><p>The granting of loans to biogas projects supports <b>sustainable waste management<\/b> and the supply of communities with a reliable source of clean energy. This reduces the environmental impact of cities (Goal 11.6).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7983\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-7983\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Climate Protection<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7983\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-7983\"><p>The investments in the areas of electromobility, clean cooking and solar-powered irrigation are crucial for reducing CO2 emissions. In total, the project is expected to save<b> 13,420 tons of CO2 <\/b>in the <b>first year<\/b> and <b>6,920 tons of CO2 annually <\/b>thereafter.<\/p><p><b>E<u>lectric mobility:<\/u><\/b> Through <b>partnerships <\/b>with <b>leading companies<\/b> such as eWAKA and eBee Africa, Fortune Credit is switching to electric bicycles and motorcycles and aims to <b>supply 1000 riders<\/b>. This switch is expected to <b>reduce CO2 emissions by 2.92 tons per bike per year<\/b>, which equates to a <b>total reduction<\/b> of <b>2,920 tons<\/b>.<\/p><p><u><b>Solutions for clean cooking:<\/b><\/u> Fortune Credit is enabling <b>2000 small businesses and households<\/b> to adopt <b>clean cookstoves<\/b>, each reducing <b>CO2 emissions by 2 tons per year<\/b>, for a total annual reduction of <b>4,000 tons.<\/b><\/p><p><u><b>Solar-powered irrigation:<\/b> <\/u>By equipping <b>1000 smallholder farmers <\/b>with <b>solar-powered irrigation pumps<\/b>, Fortune Credit expects to reduce CO2 emissions by approximately 6.5 tons per pump, resulting in a reduction of approximately <b>6,500 tons of CO2 emissions.<\/b><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7984\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-7984\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Risk reduction measures<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7984\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-7984\"><p>The <b>investment risks <\/b>associated with the <b>subordinated loan <\/b>are described in detail in the risk information. With regard to the assessment and limitation of risks for investors, the issuer draws attention to the following <b>special features<\/b> in the design of the project:<\/p><p>a) Use of a <b>special purpose vehicle<\/b>:<\/p><p>For the crowdfunding campaign on bettervest, a special purpose vehicle called <i>Afrika Emissions 7 UG (haftungsbeschr\u00e4nkt) <\/i>based in Germany was established to act <b>as the borrower<\/b> in this project. It forwards the <b>collected capital <\/b>as a <b>secured loan<\/b> to the project owner in Kenya, <i>Fortune Credit Limited (Fortune Credit).<\/i> The <b>shareholders<\/b> and <b>managing directors<\/b> of Afrika Emissions 7 UG (haftungsbeschr\u00e4nkt) are<b> independent<\/b> of Fortune Credit.<\/p><p>b) <b>Personal guarantee<\/b> of the<b> shareholders<\/b><\/p><p>In the event of a payment default, the shareholders are liable for the repayment of the loans with a<b> personal guarantee<\/b>.<\/p><p>c) <b>Liquidity buffer of 1,25%<\/b><\/p><p>In addition, <em>Afrika Emissions 7 UG (haftungsbeschr\u00e4nkt) <\/em>will be provided with a<b> liquidity buffer of 1,25%<\/b> of the issue <b>volume raised<\/b> (which will also be collected via crowdfunding) in order to be able to<b> intervene <\/b>or even <b>take legal action <\/b>in the event of any<b> repayment problems<\/b> on the part of the<b> local project owner<\/b>.<\/p><p>d) <b>Currency hedging<\/b> for the KES\/EUR loan:<\/p><p>Currency hedging in the form of<b> insurance<\/b> is intended to offset the risk of <b>unwanted exchange rate fluctuations<\/b>. Over the last <b>five years<\/b>, the exchange rate for the euro in Kenya <b>has risen<\/b> by <b>around 20%<\/b>, which means that it is now <b>more expensive<\/b> to buy euros. As the loan is granted in EUR and repayments are to be made in EUR and the <b>project owner&#8217;s business activities <\/b>are <b>conducted<\/b> in KES, there is a risk that <b>insufficient cash flows<\/b> will be available to <b>repay the loan<\/b> due to unfavorable exchange rate fluctuations. If the KES\/EUR exchange rate continues to fall, it will cost the project owner more KES to buy the EUR required for repayment. To mitigate this risk, the project owner will hedge the EUR loan through currency hedging (FX hedging).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7985\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-7985\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Cash Flow Plan summary<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7985\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-7985\"><p>The financing plan contains the total projected cash flows for <i>Fortune Credit Limited<\/i>, which cover the receipt, initial utilization and repayment of the loans.<\/p><p>\u00a0<img decoding=\"async\" class=\"alignnone size-full wp-image-48200\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/20250416_643_CashFlow-Fortune-Credit-Latest_english.png\" alt=\"\" width=\"1514\" height=\"879\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/20250416_643_CashFlow-Fortune-Credit-Latest_english.png 1514w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/20250416_643_CashFlow-Fortune-Credit-Latest_english-300x174.png 300w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/20250416_643_CashFlow-Fortune-Credit-Latest_english-1024x595.png 1024w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/20250416_643_CashFlow-Fortune-Credit-Latest_english-768x446.png 768w\" sizes=\"(max-width: 1514px) 100vw, 1514px\" \/><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7986\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-7986\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Financing structure<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7986\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-7986\"><p><img decoding=\"async\" class=\"alignnone wp-image-46799 size-full\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Bildschirmfoto-2024-11-19-um-16.00.57.png\" alt=\"\" width=\"2108\" height=\"962\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Bildschirmfoto-2024-11-19-um-16.00.57.png 2108w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Bildschirmfoto-2024-11-19-um-16.00.57-300x137.png 300w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Bildschirmfoto-2024-11-19-um-16.00.57-1024x467.png 1024w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Bildschirmfoto-2024-11-19-um-16.00.57-768x350.png 768w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Bildschirmfoto-2024-11-19-um-16.00.57-1536x701.png 1536w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Bildschirmfoto-2024-11-19-um-16.00.57-2048x935.png 2048w\" sizes=\"(max-width: 2108px) 100vw, 2108px\" \/><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7987\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-7987\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Financing and repayment<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7987\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-7987\"><p><b>Investment requirement<\/b><\/p><p>The costs for Fortune Credit&#8217;s overall project amount to <b>EUR\u00a02,198,000\u00a0 <\/b>including bettervest fees. This will finance the <b>granting <\/b>and <b>distribution<\/b> of <b>microfinance loans <\/b>for the <b>purchase<\/b> of <b>environmentally friendly technologies<\/b>. The technologies include <b>e-bikes<\/b>, <b>solar home systems<\/b>, <b>biogas plants<\/b> and <b>efficient cooking stoves<\/b> for private households and small businesses. The loan will also be used for the<b> marketing<\/b> of microfinance loans, for <b>personnel <\/b>and for <b>legal services<\/b>. Added to this are management support functions such as costs for<b> training, IT, auditing, accounting<\/b> and <b>communication<\/b> as well as the rent over 5 years for a further 600-800 m2 in the <b>office building<\/b> already rented.<\/p><p>The overall project will be financed in individual tranches, with this tranche having a<b> funding target of \u20ac600,000.<\/b><\/p><p>The term of the loan is <b>5 years<\/b> and has an annual <b>interest rate of 8.00% p.a.<\/b> for the crowd investors. Investors who invest in the project within the first four weeks also receive an <b>early bird bonus of 0.8% p.a. <\/b>(i.e. a total of 8.80% p.a.). The <b>funding threshold<\/b> for this project is <b>50,000 euros<\/b>. If the funding target is not reached, but at least the funding threshold is met, the project owner will still <b>invest the investor funds <\/b>to a lesser extent in the above-mentioned investment objects.<\/p><p><b>Repayment<\/b><\/p><p>The loan is repaid from<b> liquid funds<\/b> that <em>Fortune Credit<\/em> generates as<b> income<\/b> from the <b>granting of microfinance loans<\/b> (interest, fees, commissions) as part of its business activities.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5363a386 elementor-widget elementor-widget-spacer\" data-id=\"5363a386\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-519c380a elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"519c380a\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4182c59c\" data-id=\"4182c59c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5c89010a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c89010a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-693c7d42\" data-id=\"693c7d42\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ac6eb16 elementor-widget elementor-widget-spacer\" data-id=\"5ac6eb16\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b34d1e8 elementor-widget elementor-widget-testimonial\" data-id=\"5b34d1e8\" data-element_type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\"><p>As the CEO and founder of Fortune Credit, I am deeply grateful for your commitment to fostering sustainable change through impact investing. Your support enables us to drive significant environmental and social improvements across Africa, in line with Kenya's ambitious climate goals to reduce greenhouse gas emissions by 32% by 2030.<br>\nOur collaboration with bettervest is more than a business venture; it\u2019s a commitment to a sustainable future. By expanding the reach of Fortune Credit\u2019s e-bikes, we are not just promoting green transport; we are investing in healthier communities and a resilient economy. <br>\nThank you for your continued support and belief in our vision. Together, we are setting the wheels in motion towards a greener, more inclusive world. <\/p>\n<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-top\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Copy-of-CEO_FC-5-1.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Janet Kuteli<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">CEO and founder of Fortune Credit Limited<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fa8441a elementor-widget elementor-widget-spacer\" data-id=\"3fa8441a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fc93a7c elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fc93a7c\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-147233b6\" data-id=\"147233b6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f350114 elementor-widget elementor-widget-spacer\" data-id=\"1f350114\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43770f72 elementor-widget elementor-widget-heading\" data-id=\"43770f72\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The borrower and country profile<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-447ce7f3 elementor-widget elementor-widget-spacer\" data-id=\"447ce7f3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-15c49d7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15c49d7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-f56fb02\" data-id=\"f56fb02\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19431f10 elementor-widget elementor-widget-image\" data-id=\"19431f10\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2481\" height=\"864\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Fortune-Credit-Logo-01.png\" class=\"attachment-full size-full wp-image-43704\" alt=\"\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Fortune-Credit-Logo-01.png 2481w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Fortune-Credit-Logo-01-300x104.png 300w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Fortune-Credit-Logo-01-1024x357.png 1024w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Fortune-Credit-Logo-01-768x267.png 768w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Fortune-Credit-Logo-01-1536x535.png 1536w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Fortune-Credit-Logo-01-2048x713.png 2048w\" sizes=\"(max-width: 2481px) 100vw, 2481px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-6e3e85ea\" data-id=\"6e3e85ea\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63e5ada2 elementor-widget elementor-widget-text-editor\" data-id=\"63e5ada2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\u00a0Afrika Emissions 7 UG (haftungs-beschr\u00e4nkt)<\/b><br \/>Falkstra\u00dfe 5<br \/>60487 Frankfurt am Main<br \/>Germany<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-25f358bd\" data-id=\"25f358bd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-573aaa89 elementor-widget elementor-widget-text-editor\" data-id=\"573aaa89\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Fortune Credit Limited<\/strong><br \/>\nEnwealth Business Centre<br \/>\nNgong Lane Nairobi, Kenya<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-d788218\" data-id=\"d788218\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cf171a4 elementor-widget elementor-widget-text-editor\" data-id=\"cf171a4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Contakt<\/strong><br \/>\n+254 <a href=\"tel:0114943649\">0114943649<\/a><br \/>\n<a href=\"mailto:info@fortunecredit.co.ke\">info@fortunecredit.co.ke<\/a><br \/>\nhttps:\/\/fortunecredit.co.ke\/<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2927a20a elementor-widget elementor-widget-spacer\" data-id=\"2927a20a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59f46df2 elementor-widget elementor-widget-accordion\" data-id=\"59f46df2\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1501\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1501\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Participating companies<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1501\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1501\"><p><strong>Afrika Emissions 7 UG (haftungsbeschr\u00e4nkt): <\/strong><strong>Issuer and borrower<\/strong><\/p>\n<p>The special purpose vehicle Afrika Emissions 7 UG (haftungsbeschr\u00e4nkt) is based in Germany and acts as borrower in this project. The task of this special purpose vehicle is to forward the money collected from the crowd investors as a project loan to the local project owner, Fortune Credit Limited (Fortune Credit). The shareholders and managing directors of Afrika Emissions 7 UG (haftungsbeschr\u00e4nkt) are independent of the project owner Fortune Credit.<\/p>\n<p><strong>Fortune Credit Limited: Project owner<\/strong><\/p>\n<p>Fortune Credit Limited is a Kenyan company based in the capital Nairobi. The company was founded in 2014 to promote the economic development of the rural population in Kenya through appropriate savings, credit and insurance services. Fortune Credit&#8217;s goal is to improve the living conditions of low-income households by building sustainable business models. The company&#8217;s mission is to provide solutions to accelerate access to innovative financial products and services that have an economic and socio-economic impact. In 2017, Fortune Credit launched the \u201cGreen Energy Loan\u201d and has since been providing loans for renewable energy, such as energy-efficient cookstoves, solar lighting solutions or electric motorcycles. In addition to the branch in Nairobi, the company has two further branches in Transnzoia, another in Bungoma and, since 2020, a fourth branch in Rongai. The goal by 2027 is to distribute over 15,000 clean energy products that will benefit over 50,000 people,<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1502\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1502\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Organizational Structure <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1502\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1502\"><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-46865 size-large\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Fortune_Credit_Organisational_Structure-1-1024x769.png\" alt=\"\" width=\"1024\" height=\"769\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Fortune_Credit_Organisational_Structure-1-1024x769.png 1024w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Fortune_Credit_Organisational_Structure-1-300x225.png 300w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Fortune_Credit_Organisational_Structure-1-768x577.png 768w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/11\/Fortune_Credit_Organisational_Structure-1.png 1093w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1503\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1503\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Country Profile<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1503\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1503\"><p>When making investment decisions, it is advisable to find out in advance about the project location, in particular the country in which the project will be implemented. To gain an overview, the following indicators provide a helpful starting point for independent research. The information was retrieved from the relevant data sources in October 2023 and is published without guarantee.<\/p><table><tbody><tr><th>INDIcATOR<\/th><th><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">ASSESSMENT OF KENYA<\/span><\/th><\/tr><tr><td>Euler Hermes Ranking<\/td><td><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">Euler Hermes has assessed the risk of non-payment by Kenyan companies as \u201csensitive risk\u201d and rated it with a C on a scale from AA to D (Source:\u00a0<\/span><a style=\"outline-color: currentcolor; outline-style: none; font-variant-caps: normal; font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; transition-timing-function: ease; transition-delay: 0s;\" href=\"https:\/\/www.allianz-trade.de\/wissen\/handelsrisiken\/laenderrisiken.html\" target=\"_blank\" rel=\"noopener\">Euler Hermes Country Risk Map<\/a><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">).<\/span><\/td><\/tr><tr><td>OECD Classification\u00a0<\/td><td><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">The OECD classifies the overall country risk of Kenya on a scale from 0 (low risk) to 7 (high risk) as 7 (Source:\u00a0<\/span><a style=\"outline-color: currentcolor; outline-style: none; font-variant-caps: normal; font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; transition-timing-function: ease; transition-delay: 0s;\" href=\"https:\/\/www.oecd.org\/content\/dam\/oecd\/en\/topics\/policy-sub-issues\/country-risk-classification\/cre-crc-current-english.pdf\" target=\"_blank\" rel=\"noopener\">OECD Ranking 2024<\/a><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">).<\/span><\/td><\/tr><tr><td><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">Corruption Index (Transparency International)<\/span><\/td><td><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">The corruption index published by Transparency International, measured on a scale of 0 (high level of corruption) to 100 (no perceived corruption), stands at 31 for Kenya (Source:\u00a0<\/span><a style=\"outline-color: currentcolor; outline-style: none; font-variant-caps: normal; font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; transition-timing-function: ease; transition-delay: 0s;\" href=\"https:\/\/www.transparency.de\/cpi\/\" target=\"_blank\" rel=\"noopener\">Transparency International 2023<\/a><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">).<\/span><\/td><\/tr><tr><td>Commercial Bank Prime Lending Rate<\/td><td><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">The Commercial Bank Prime Lending Rate indicates the average annualized interest rates that local commercial banks charge their most creditworthy customers for new loans in the local currency. In Kenya, the Commercial Bank Prime Lending Rate was 16.45% in April 2024 (Source:\u00a0<\/span><a style=\"outline-color: currentcolor; outline-style: none; font-variant-caps: normal; font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; transition-timing-function: ease; transition-delay: 0s;\" href=\"https:\/\/tradingeconomics.com\/kenya\/bank-lending-rate\" target=\"_blank\" rel=\"noopener\">Trading Economics 2024<\/a><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">).<\/span><\/td><\/tr><tr><td><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">Creditworthiness\u00a0<\/span>\u00a0(Moody&#8217;s)<\/td><td><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">Moody\u2019s has rated the creditworthiness of Kenyan government bonds at Caa1 on a scale from AAA to D, classifying them as negative (Source:\u00a0<\/span><a style=\"outline-style: none; outline-width: 0px; font-variant-caps: normal; font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; color: #81d742; transition-timing-function: ease; transition-delay: 0s; transition-property: all;\" href=\"https:\/\/tradingeconomics.com\/kenya\/rating\" target=\"_blank\" rel=\"noopener\">Trading Economics 2024<\/a><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">).<\/span><\/td><\/tr><tr><td><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">Foreign Exchange Market\u00a0<\/span>\u00a0(Bundesbank)<\/td><td><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">In the last five years, the exchange rate for the euro in Kenya has overall increased; five years ago, the price was 113.53 Kenyan Shillings, one year ago it was 156.00, and today the price is 144.24 Kenyan Shillings (Source:\u00a0<\/span><a style=\"outline-color: currentcolor; outline-style: none; font-variant-caps: normal; font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; transition-timing-function: ease; transition-delay: 0s;\" href=\"https:\/\/www.bundesbank.de\/dynamic\/action\/de\/statistiken\/zeitreihen-datenbanken\/zeitreihen-datenbank\/723452\/723452?listId=www_s331_kes_eur_me&amp;tsId=BBEX3.M.KES.EUR.CA.AC.A01&amp;dateSelect=2024\" target=\"_blank\" rel=\"noopener\">Bundesbank 2024<\/a><span style=\"font-family: Montserrat, sans-serif; font-size: 15px; font-style: normal; font-variant-caps: normal;\">).<\/span><\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-529aebb1 elementor-widget elementor-widget-spacer\" data-id=\"529aebb1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ef89d23 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ef89d23\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-476c7acf\" data-id=\"476c7acf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e39d4f1 elementor-widget elementor-widget-spacer\" data-id=\"4e39d4f1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64b9bc30 elementor-widget elementor-widget-heading\" data-id=\"64b9bc30\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The e-bike project in detail<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76d7314b elementor-widget elementor-widget-accordion\" data-id=\"76d7314b\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1991\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1991\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Impact on the environment: measurable CO2 reduction<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1991\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1991\"><p>The loan directly supports <b>Fortune Credit&#8217;s mission<\/b> to expand the use of <b>e-bikes<\/b>, resulting in a significant <b>reduction<\/b> in <b>CO2 emissions:<\/b><\/p>\n<p>Impact of a single bike: Each <b>eWAKA e-bike <\/b>used for an average <b>daily commute of 80 km<\/b> is estimated to save 2.92 tons of CO2 per year. This results in cleaner air and a <b>smaller ecological footprint <\/b>for e-bike users.<\/p>\n<p>Impact at project level: Fortune Credit aims to implement <b>1,000 e-bikes<\/b> thanks to the bettervest loan, and expects a total <b>CO2 reduction of 2,920 tons per year.<\/b> This reduction corresponds to the elimination of thousands of gas-powered vehicles on the road and makes an important <b>contribution<\/b> to a more <b>environmentally friendly future<\/b>.<\/p>\n<p>Current achievements: The current partner fleet of 600 e-bikes is already having a positive impact with an estimated annual CO2 reduction of 2,400 tons.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1992\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1992\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Social impacts: Beyond the environmental benefits<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1992\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1992\"><p>The bettervest loan project goes beyond environmental benefits and promotes positive social change in several ways:<\/p><p><u><b>Job creation:<\/b> <\/u>Each e-bike used creates an average of 3 new jobs in various sectors. The bettervest loan project, with the aim of buying <b>2,000 bikes<\/b>, has the potential to <b>create<\/b> around<b> 6,000 new jobs<\/b>. This not only empowers each individual, but also boosts the <b>local economy<\/b>. These jobs cover various areas, including the manufacture of e-bikes (assembly and component production), sales (retail, rental and subscriptions), maintenance and repair services as well as logistics and delivery services. In addition, the project promotes the <b>development of new business models<\/b> such as <b>e-bike sharing<\/b>, <b>fleet management<\/b>, subscription-based <b>battery services<\/b> and a robust <b>exchange network<\/b>. These <b>innovative approaches <\/b>have the potential to create even more decent jobs.<\/p><p><u>Promoting <b>health<\/b> and <b>well-being<\/b>: <\/u>The increasing use of e-bikes encourages <b>physical activity<\/b>, even with the electric assistance. This can lead to better <b>health outcomes<\/b> for communities. Cycling offers numerous health benefits, including better <b>cardiovascular health<\/b>, <b>weight management<\/b> and <b>stress reduction<\/b>.<\/p><p><u>Reducing <b>traffic congestion<\/b>:<\/u> By providing a <b>convenient<\/b> and <b>efficient transportation option<\/b>, Fortune Credit-funded e-bikes help reduce traffic congestion in <b>urban areas<\/b>. This not only shortens commuting times, but also <b>reduces air pollution<\/b> caused by idling vehicles.<\/p><p><u>Improved <b>accessibility<\/b> and<b> inclusion<\/b>: <\/u>The bikes make cycling accessible to a <b>wider section<\/b> of the population, including older people and those who find conventional bikes too strenuous. This promotes <b>social inclusion<\/b> and allows more people to experience the <b>joy and benefits of cycling<\/b>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bd931d1 elementor-widget elementor-widget-spacer\" data-id=\"3bd931d1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b3fc361 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b3fc361\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34772c10\" data-id=\"34772c10\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-279b62ad elementor-widget elementor-widget-spacer\" data-id=\"279b62ad\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aed1592 gallery-spacing-custom elementor-widget__width-inherit elementor-widget elementor-widget-image-gallery\" data-id=\"3aed1592\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-1' class='gallery galleryid-48217 gallery-columns-4 gallery-size-large'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"3aed1592\" data-elementor-lightbox-title=\"image (1)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDgyMzUsInVybCI6Imh0dHBzOlwvXC93d3cuYmV0dGVydmVzdC5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzA0XC9pbWFnZS0xLWUxNzQ1NDE5MzQ5NjcyLnBuZyIsInNsaWRlc2hvdyI6IjNhZWQxNTkyIn0%3D\" href='https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/image-1-e1745419349672.png'><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/image-1-1024x768.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/image-1-1024x768.png 1024w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/image-1-300x225.png 300w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/image-1-768x576.png 768w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/image-1.png 1440w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"3aed1592\" data-elementor-lightbox-title=\"WhatsApp Image 2023-10-15 at 22.13.23\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDM3NTQsInVybCI6Imh0dHBzOlwvXC93d3cuYmV0dGVydmVzdC5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA1XC9XaGF0c0FwcC1JbWFnZS0yMDIzLTEwLTE1LWF0LTIyLjEzLjIzLWUxNzE0NzYzNTQyMjM5LmpwZWciLCJzbGlkZXNob3ciOiIzYWVkMTU5MiJ9\" href='https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/WhatsApp-Image-2023-10-15-at-22.13.23-e1714763542239.jpeg'><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/WhatsApp-Image-2023-10-15-at-22.13.23-e1714763542239.jpeg\" class=\"attachment-large size-large\" alt=\"\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"3aed1592\" data-elementor-lightbox-title=\"Copy of DSC_0013\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDM3NjQsInVybCI6Imh0dHBzOlwvXC93d3cuYmV0dGVydmVzdC5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA1XC9Db3B5LW9mLURTQ18wMDEzLmpwZyIsInNsaWRlc2hvdyI6IjNhZWQxNTkyIn0%3D\" href='https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Copy-of-DSC_0013.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Copy-of-DSC_0013-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Copy-of-DSC_0013-1024x683.jpg 1024w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Copy-of-DSC_0013-300x200.jpg 300w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Copy-of-DSC_0013-768x512.jpg 768w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Copy-of-DSC_0013-1536x1024.jpg 1536w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Copy-of-DSC_0013-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"3aed1592\" data-elementor-lightbox-title=\"Educating farmers on smart agriculture\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDM3NDYsInVybCI6Imh0dHBzOlwvXC93d3cuYmV0dGVydmVzdC5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA1XC9FZHVjYXRpbmctZmFybWVycy1vbi1zbWFydC1hZ3JpY3VsdHVyZS5qcGciLCJzbGlkZXNob3ciOiIzYWVkMTU5MiJ9\" href='https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Educating-farmers-on-smart-agriculture.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Educating-farmers-on-smart-agriculture-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Educating-farmers-on-smart-agriculture-1024x683.jpg 1024w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Educating-farmers-on-smart-agriculture-300x200.jpg 300w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Educating-farmers-on-smart-agriculture-768x512.jpg 768w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Educating-farmers-on-smart-agriculture-1536x1024.jpg 1536w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/Educating-farmers-on-smart-agriculture.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"3aed1592\" data-elementor-lightbox-title=\"E-mobility 2\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDgyMzMsInVybCI6Imh0dHBzOlwvXC93d3cuYmV0dGVydmVzdC5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzA0XC9FLW1vYmlsaXR5LTItZTE3NDc3MjQ4NDQzNjUuanBnIiwic2xpZGVzaG93IjoiM2FlZDE1OTIifQ%3D%3D\" href='https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/E-mobility-2-e1747724844365.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"892\" height=\"1024\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/E-mobility-2-892x1024.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/E-mobility-2-892x1024.jpg 892w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/E-mobility-2-261x300.jpg 261w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/E-mobility-2-768x882.jpg 768w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/04\/E-mobility-2.jpg 1115w\" sizes=\"(max-width: 892px) 100vw, 892px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"3aed1592\" data-elementor-lightbox-title=\"A female farmer in Bungoma\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDM3NTYsInVybCI6Imh0dHBzOlwvXC93d3cuYmV0dGVydmVzdC5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA1XC9BLWZlbWFsZS1mYXJtZXItaW4tQnVuZ29tYS5qcGciLCJzbGlkZXNob3ciOiIzYWVkMTU5MiJ9\" href='https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/A-female-farmer-in-Bungoma.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/A-female-farmer-in-Bungoma-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/A-female-farmer-in-Bungoma-1024x683.jpg 1024w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/A-female-farmer-in-Bungoma-300x200.jpg 300w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/A-female-farmer-in-Bungoma-768x512.jpg 768w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/A-female-farmer-in-Bungoma-1536x1024.jpg 1536w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2024\/05\/A-female-farmer-in-Bungoma-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"3aed1592\" data-elementor-lightbox-title=\"FortuneCC-21\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDM3NDgsInVybCI6Imh0dHBzOlwvXC93d3cuYmV0dGVydmVzdC5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjRcLzA1XC9Gb3J0dW5lQ0MtMjEuanBnIiwic2xpZGVzaG93IjoiM2FlZDE1OTIifQ%3D%3D\" 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data-elementor-lightbox-slideshow=\"3aed1592\" data-elementor-lightbox-title=\"Photo from @muathime(1)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDg1MTgsInVybCI6Imh0dHBzOlwvXC93d3cuYmV0dGVydmVzdC5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzA1XC9QaG90by1mcm9tLUBtdWF0aGltZTEtZTE3NDc3MjMxOTA0ODkuanBnIiwic2xpZGVzaG93IjoiM2FlZDE1OTIifQ%3D%3D\" href='https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/05\/Photo-from-@muathime1-e1747723190489.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"461\" src=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/05\/Photo-from-@muathime1-1024x461.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/05\/Photo-from-@muathime1-1024x461.jpg 1024w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/05\/Photo-from-@muathime1-300x135.jpg 300w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/05\/Photo-from-@muathime1-768x346.jpg 768w, https:\/\/www.bettervest.com\/wp-content\/uploads\/2025\/05\/Photo-from-@muathime1.jpg 1040w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-168adc08 elementor-widget elementor-widget-spacer\" data-id=\"168adc08\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-405b8f2b elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"405b8f2b\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-68b7aaf\" data-id=\"68b7aaf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7fdcc8c3 elementor-widget elementor-widget-spacer\" data-id=\"7fdcc8c3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208956df elementor-widget elementor-widget-heading\" data-id=\"208956df\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key figures<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76555cc6 elementor-widget elementor-widget-text-editor\" data-id=\"76555cc6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table width=\"377\"><tbody><tr><td>Borrower<\/td><td>Afrika Emissions 7 UG (haftungsbeschr\u00e4nkt)<\/td><\/tr><tr><td>Type of investment<\/td><td>Subordinated loan<\/td><\/tr><tr><td>Loan amount<\/td><td><p>600,000 EUR<\/p><style>@font-face<br \/>\t{font-family:\"Cambria Math\";<br \/>\tpanose-1:2 4 5 3 5 4 6 3 2 4;<br \/>\tmso-font-charset:0;<br 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\/>\tmso-fareast-font-family:Calibri;<br \/>\tmso-fareast-theme-font:minor-latin;<br \/>\tmso-hansi-font-family:Calibri;<br \/>\tmso-hansi-theme-font:minor-latin;<br \/>\tmso-bidi-font-family:\"Times New Roman\";<br \/>\tmso-bidi-theme-font:minor-bidi;<br \/>\tmso-fareast-language:EN-US;}.MsoChpDefault<br \/>\t{mso-style-type:export-only;<br \/>\tmso-default-props:yes;<br \/>\tmso-ascii-font-family:Calibri;<br \/>\tmso-ascii-theme-font:minor-latin;<br \/>\tmso-fareast-font-family:Calibri;<br \/>\tmso-fareast-theme-font:minor-latin;<br \/>\tmso-hansi-font-family:Calibri;<br \/>\tmso-hansi-theme-font:minor-latin;<br \/>\tmso-bidi-font-family:\"Times New Roman\";<br \/>\tmso-bidi-theme-font:minor-bidi;<br \/>\tmso-font-kerning:0pt;<br \/>\tmso-ligatures:none;<br \/>\tmso-fareast-language:EN-US;}div.WordSection1<br \/>\t{page:WordSection1;}<\/style><\/td><\/tr><tr><td>Term<\/td><td>5 years<\/td><\/tr><tr><td>Interest<\/td><td>8.0 % p.a. (8.8% p.a. for investments within the first 4 weeks)<\/td><\/tr><tr><td>Repayment of Loan and Interest<\/td><td>annuity<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-52de703c\" data-id=\"52de703c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4cc05678 project_attachments\" data-id=\"4cc05678\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-483a54aa elementor-widget elementor-widget-spacer\" data-id=\"483a54aa\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2aecb499 elementor-widget elementor-widget-heading\" data-id=\"2aecb499\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Documents<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f742027 elementor-widget elementor-widget-html\" data-id=\"2f742027\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n    \/* additional project attachments page CSS *\/\r\n\r\n    .preact-app-project-documents {font-family: \"Fira Sans\", Sans-serif;}\r\n<\/style>\r\n<div class=\"react-app-project-documents\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2276872e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2276872e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-43b8aa78\" data-id=\"43b8aa78\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c91f539 elementor-widget elementor-widget-html\" data-id=\"3c91f539\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\/* additional project page CSS *\/\r\n    \r\n    .rich-header {\r\n        border: 10px solid red;\r\n        display: none !important;\r\n    }  \r\n    .bettervest_project_header {\r\n        background: #FFF !important;\r\n        padding: 0;\r\n        margin: 0;\r\n    }\r\n    .bettervest_project_header .elementor-column-wrap{\r\n        background: #FFF !important;\r\n        padding: 0 !important;\r\n        margin: 0 !important;\r\n    }\r\n    @media only screen and (min-width: 1100px) {\r\n        #nz-content:not(.padding-false) {\r\n            margin-top: -35px !important;\r\n        }\r\n    }\r\n    .bettervest #project .stage {\r\n        height: auto !important;\r\n        min-height: 565px;\r\n    }\r\n    #howtoBtn {\r\n        color: #FFF !important;\r\n    }\r\n    \r\n    .ant-btn[disabled] {\r\n        background: rgba(255,255,255,.5) !important;\r\n        padding-left: 15px!important;\r\n        padding-right: 15px!important;\r\n    }\r\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Support Fortune Credit in issuing and distributing microfinance loans for the purchase of environmentally friendly technologies, saving 6,920 tons of CO2 annually and creating 6,000 new jobs. https:\/\/youtu.be\/&#8211;CLm9-IFDY Video from April 2024. For subtitles, please press the CC button at the bottom right of the screen. Notice pursuant to Section 12 (2) of the German [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":43708,"parent":20046,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","footnotes":""},"class_list":["post-48217","page","type-page","status-publish","has-post-thumbnail","hentry","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1 - 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