We are a social enterprise specializing in a Low-Income Financial Transformation (L-IFT). L-IFT was founded by Anne Marie van Swinderen in January 2015 and is incorporated in The Netherlands. Anne Marie has worked in financial inclusion on three different continents since 1989. She and the advisors she works with have many years of experience in financial inclusion, livelihood, entrepreneurship, youth employment as well as training expertise.

L-IFT primarily works in diaries research. It’s team has experience with financial diaries studies in three countries.


L-IFT researchers on a training day