Poverty, Conflict; Disease and Disaster are global challenges that critically affect women, youth and children, HCOI helps individuals to survive emergencies and build back better lives. We help people grappling with the toughest hardships survive — and then thrive. That’s the heart of our approach as an organization. Since inception, HCOI has pioneered new strategies for enterprise development through savings and microcredit, seeking to promote economic opportunities for the most vulnerable communities. In so doing, HCOI strives to “promote improved inclusive financial markets that foster job creation, reduce poverty and improve poor people’s lives in areas we work in. Our primary role is to address constraints, to allow and facilitate the financial market system to function more effectively and inclusively.