PGG Microfinance — operating as Next Investment (Pvt) Ltd since 2013 — was founded to empower rural entrepreneurs, women borrowers and agri-preneurs. Small tickets, walked-the-field due diligence, and a 96.4 % repayment record across twenty-nine branches.
PGG Microfinance — registered as Next Investment (Pvt) Ltd — was started in 2013 as the group's instrument for small-business lending. Through it, the working family of an estate, a co-op secretary, or a market-stall trader can access working capital on the same terms as any commercial borrower, with the field officer at the door instead of behind a desk in Colombo.
Today the programme has developed more than five thousand small businesses, and a growing share of our loan book is now held by women entrepreneurs. The financial products below are the four most-used.
Every loan has an officer who walks the borrower's site at least once before disbursement, and monthly thereafter. No call-centre underwriting.
For smallholder farmers — funding for seedlings, tooling, irrigation systems and the first six months of operations. Sealed off-take through PGG's export desk where the crop fits.
For market traders, shop owners, and service businesses — recurring loans to cover inventory or operational gaps. Built to match seasonal cash flows.
Equipment and machinery for micro-enterprises — from motorised pumps to processing equipment. Secured against the asset itself.
For co-ops and joint liability groups. Peer guarantees replace collateral, and group repayment discipline drives lower default rates.
