Using Technology to Connect People to Affordable and Climate-Proof Housing Finance
Empowa is innovating the affordable housing finance market through new thinking and next generation technology to provide better financial systems for people who live and work informally.
Our Innovation Focus
Creating inclusive growth in areas it matters most.
Social Infrastructure
Exchange-rate Risk
Climate
Resilience
Demand
& Supply
Housing, Water, Toilets,
& Electricity
Delivery
Capacity
TECHNOLOGY
Empowa
Systems
Empowa is revolutionizing emerging market affordable housing finance, connecting financially excluded city-dwellers to climate-smart homes through innovative digital technologies. Our platform enables real access to finance for green, resilient homes – a game-changer for these income groups across emerging markets. By capturing informal data, we can match the needs of financially excluding consumers with established capital providers. This opens up a new market for funding, while minimizing risks and transaction costs.
Clean water is part of the wellbeing and health of people. Empowa is improving water facilities to provide clean water and sanitation.
Self-build Homes & Slums
- Share water with others
- Shortage of water
- Bad sanitation
- No space for laundry
Empowa Rent-to-own
- Access to clean water
- Water available every time
- Water waste facilities
- More space to do laundry
CLIMATE SMART
Water
& Sanitation
Use Case
Water Facility
Providing clean water through innovative engineering.
RESEARCH & REPORTING
Reducing Currency Risks
for Affordable Housing Investments
At Empowa, we have designed the technology platform at three levels. A user can utilise the Empowa platform at any of the levels, dependent on factors such as the practical and legislative environment.
Level 1.
Recording of information
By using the blockchain to record cashflows, we create a timeous and immutable record.
Level 2.
Transfer of value
Where possible, we can use the blockchain for the efficient and cost-effective transfer of value.
Level 3.
Reduction of currency risk
Using blockchain for the creation of digital financial instruments to reduce currency risk.
PROGRESS
Financial discussion panel
Glen Jordan CEO of Empowa is joining the Global Affordable Housing Conference discussion panel
FINANCIAL INCLUSION
A Case Study
Mozambique
The World Bank estimates that roughly 80% of jobs in Africa are informal. Without an employment contract, no bank will provide a mortgage, immediately excluding the majority of the population. This results in countries like Mozambique, with a population of more than 30 million people, having a mortgage portfolio of only 600 mortgages.
Home Loan Markets
before:
3%
of Africans who have access to home loans
Home Loan Markets
with Rent-to-own:
60%
of Africans who have access to home loans
Use Case
CASA REAL Rent-to-own program
Making it possible for low to middle income families to have access to home loans.
Empowa, Afrimat Hemp, Wolf and Wolf Architects, and Casa Real collaborated to test the appeal of affordable hemphouses built with hempcrete, which makes an ideal choice for lower-income communities. Its carbon-sequestering properties, energy efficiency, and compliance with Mozambique regulations offer a sustainable, cost-effective solution. Embrace transformative housing with Empowa’s hemp building innovations.
CLIMATE RESILIENCE – PILOT
Africa’s first affordable
Hemp House
Use Case
Affordable Hemp House
Using innovative building materials to the impact on reduce climate change risks
Empowa Foundation
is a not for profit entity
registered in the Netherlands.
Chamber of Commerce:
865314937
More about Empowa Technologies:
Empowa.io