Barko Financial Services is a microfinance institution in South Africa, providing simple, ethical, and affordable credit to low-income individuals, particularly in agriculture, mining, and construction sectors[1]. They offer loans and insurance services through over 200 branches[1]. Their unique selling proposition is rapid onboarding and loan origination, with processes completed in as little as 15 minutes for new customers and 4 minutes for existing ones[1]. They are transitioning into a mutual bank to expand digital services and increase their social impact[1]. Their target audience is underserved South Africans seeking accessible financial services.