Guatemala has the highest housing deficit rates in Central America. The Villa Luz housing project in Guatemala City is redefining affordable urban living with more than 300 high-quality apartments. By qualifying as social housing under the Guatemala Insured Mortgage Promotion Institute (FHA), clients access subsidized mortgage terms, significantly expanding access to quality housing for low- and middle-income families. Strategically located, Villa Luz offers families not only a safe and well-connected neighborhood but also the opportunity to significantly reduce the exceptionally long commute times that often define life in the city. By providing a clear path to homeownership, the project helps lower overall housing costs while enhancing quality of life. The demand for Villa Luz reflects the urgent need for dignified and affordable housing solutions, particularly among low- and middle-income families. Notably, more than half of the apartments have been purchased by women, underscoring the project’s role in expanding access to homeownership. The development also integrates social and family-oriented amenities such as an on-site daycare service.

Only one in four small businesses in Latin America accepts digital payments, resulting in business informality, high transaction costs, and exclusion from the formal banking system. Puntored emerged as an early pioneer in the Colombian fintech market with an innovative online platform for prepaid services such as cellular data, microinsurance, and solar energy. Puntored then launched bank correspondent solutions, a system that quickly became the pillar of financial inclusion in the country with 85% of banking correspondents nationwide using platforms such as Puntored’s. DIAF’s investments were critical to expand its offering for digital payment solutions and instant working capital supplier credits that increase merchant revenues by 20% on average. Puntored’s responsible and inclusive financial services bridge digital service providers with underbanked communities, expanding access to the global digital economy and improving economic livelihoods nationwide.