What does it mean to scale with care?: New report from 4G Capital and GIF Growth.
Oct 01, 2026
As an impact investor, GIF looks beyond growth metrics. We seek businesses that create sustainable social value by placing people at the centre of their models. That is one of the reasons we are proud to support 4G Capital.
4G Capital recently partnered with 60 Decibels to produce an Impact Performance Report. This report, funded by the Korea International Cooperation Agency (KOICA) through GIF Growth, provides insights into 4G Capital’s clients, their profile, and the outcomes they experience, with view to understanding how 4G can improve its impact, performance and customer experience as it scales its operations.
4G’s commitment to customer care and protection
The report outlines 4G's continued investment in customer protection and its shift toward predictive customer care, which demonstrate a commitment to responsible growth. By leveraging data and insights to better understand customer needs, vulnerabilities, and risks, 4G is moving from a reactive approach to one that anticipates challenges and helps customers build long-term resilience. For GIF, this is what impact looks like in practice: using technology and data not just to expand access to finance, but to improve outcomes for entrepreneurs and the communities they serve. When customers are more resilient, businesses are stronger, livelihoods are more secure, and growth becomes more inclusive and sustainable.
Our partnership with 4G Capital
GIF has provided a loan of $2M through GIF Growth, to support 4G Capital to scale. The loan is enabling the company to scale credit to both new and existing clients. By supporting on-lending to 4G Capital’s customer base, this investment promotes financial inclusion, particularly for underserved micro and small enterprises.
Bridging the "missing middle" with GIF Growth
GIF Growth is a blended finance vehicle designed to address the “missing middle” financing gap that companies face in emerging markets. GIF Growth provides the flexible financing and technical assistance that high-impact, early-mid growth companies need to reach the next stage of scale.
Partnering with KOICA for impact
By partnering with KOICA, we provide our portfolio companies with specialised technical assistance funding designed to:
- Identify critical barriers to scale
- Deepen social and gender-focused impact
- Accelerate the trajectory of innovations that improve the lives of underserved and vulnerable people.
As the report demonstrates, the most successful financial institutions are those whose success is deeply connected to their customers' success. Insights from the technical assistance support is helping 4G Capital to demonstrate that growth and customer wellbeing can, and should, go hand in hand.
You can read the full report here.