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What Is HERfinance?

BSR launched HERfinance in 2012 with a grant from The Walt Disney Company to enhance financial knowledge and improve access to formal financial services for low-income women and men working in global supply chains. In 2015, with a major investment from Bill & Melinda Gates Foundation, BSR expanded HERfinance to include wage digitization, with a goal to deepen financial inclusion by enabling workers to receive wages into a mobile money account rather than in cash.

HERfinance peers

Two billion adults globally do not use formal financial services to save or borrow money. Ensuring the poor—particularly women—have the proper knowledge, skills, and attitudes toward financial services, and enabling them to participate in the formal financial sector can help them save, build credit worthiness, invest in economic opportunities, and reduce risks related to illness or loss of employment.

HERfinance works by providing low-income workers with practical information about personal finance in a culturally relevant manner through a series of brief workshops that take place in the workplace.

In addition to financial education, HERfinance leverages the workplace to introduce formal financial products and services to workers and increase their access. According to the World Bank, 280 million adults can be brought into the formal financial system through wage digitization, or the conversion of their wage payments from cash to digital 1.

HERfinance is operating in Brazil, India, Indonesia, Mexico, and Bangladesh.

To learn more about HERfinance or to get involved, please email

HERproject is Generously Supported by

Bill & Melinda Gates Foundation C&A Foundation GAIN Ministry of Foreign Affairs of the Netherlands Takeda The Walt Disney Company UK Government What Works

HERproject Company Participants

HERproject Mission

To unlock the full potential of women working in global supply chains through workplace programs promoting health, financial inclusion, and gender equality. Download an overview of HERproject. Download an overview of HERproject.

About BSR

BSR is a global nonprofit organization that works with its network of more than 250 member companies and other partners to build a just and sustainable world. From its offices in Asia, Europe, and North America, BSR develops sustainable business strategies and solutions through consulting, research, and cross-sector collaboration. Visit for more information about BSR’s 25 years of leadership in sustainability.