... to the Gami Pubuduwa Scheme, HNB provided anadditional SMEs financing product, the German Savings Banks FundedCredit Scheme. Through the partnership with SBFIC (the German Savings Banks Foundation ... collateral. The loans to poor households are not-for-profit.10012 The Savings Banks in Germany have developed into one of the largest financial groupsworld-wide, and Savings Banks Foundation ... which affects them. However, all of them, whether theyare banks, non banks or other type of institutions, share the commoncharacteristic of providing financial services to an otherwise “unbanked”population....