Groupe COFINA

The group's business model is centered on providing inclusive financial services tailored to its niche market. It generates revenue through a portfolio of credit and savings products, transactional financial services, and advisory support for its clients. Funding for its lending activities is sourced from institutional investors, interbank financing, and capital partnerships. COFINA operates through a network of subsidiaries in several African countries, including Senegal, Côte d'Ivoire, Guinea, Gabon, Mali, Congo, Burkina Faso, and Togo, and maintains a presence in France to serve the African diaspora. This geographical spread allows the institution to implement a pan-African vision while adapting its market approach to local specificities.

COFINA's service offerings are designed to be accessible and responsive. Key products include medium to long-term financing, working capital loans, and factoring. The institution emphasizes a rapid credit analysis process, often taking about a week, which relies on both qualitative and quantitative assessments of the entrepreneur and their business ecosystem rather than solely on formal financial statements. To enhance accessibility, COFINA has launched digital banking solutions like "COFINA mobile" and "COFINA online," enabling customers to manage accounts and perform transactions remotely. The company has also established specialized subsidiaries, such as Fin'ELLE, which is dedicated to empowering female entrepreneurs, and Ferili (formerly Cash Deal), which facilitates the buying and selling of valuable goods.