Where capital delivers measurable outcomes.
Hasil is HBC's enterprise and finance practice. One mandate: turn capital into bankable enterprises, capable financial institutions and real jobs across Afghanistan. The name means yield. We judge the work by what it produces.
In frontier markets, capital alone is not the constraint. Delivery is. Bankable pipelines are built enterprise by enterprise. Literacy is taught face to face. Loan use is verified in the field, not from a capital city.
Hasil is the delivery layer between capital and the market, serving development finance institutions, apex lenders, banks, MFIs and development programmes, with Digital-X on technology and SynerGreen on climate finance.
Four pillars,
one accountable practice
What we do
01
Enterprise & MSME Growth
enterprises that win work and hire
Business planning, records and credit preparation. Supplier verification and enterprise profiling. Incubation and acceleration for startups and women-led firms. Matching grant design and administration. Tender readiness, procurement access and matchmaking with anchor buyers, so training converts into orders.
The yield: enterprises that win work, hire and grow, and that lenders can assess with confidence.
02
Financial Inclusion
products people trust enough to use
Shariah-compliant product advisory. Community financial literacy in Dari and Pashto. Digital financial services with Digital-X. Credit readiness for guarantee-backed lending, and first account to first credit journeys for youth, women and returnees, led by a 70% female field workforce.
The yield: first accounts, first credit, and products people trust enough to use.
03
Financial-Sector Strengthening
institutions that deploy capital
Capacity building for banks, microfinance institutions and apex lenders. SME and Shariah lending skills. MIS and core systems. Product development including solar and green finance with SynerGreen, and operational support to credit guarantee schemes and blended finance facilities, from design to field delivery.
The yield: institutions that can absorb capital and deploy it where it is needed.
04
Investment & Market Intelligence
decisions made on ground truth
Verified SME databases and enterprise surveys at province level. MSME ecosystem and 4Ws mapping. Value chain and sector assessments. Investment climate and business environment analysis. Pipeline origination for investors, DFIs and guarantee facilities, and independent programme evaluation.
The yield: allocation decisions made on primary data, not recycled estimates.
Five shapes. Five stages.
Five shapes make the mark. Five stages make the model: how potential becomes yield. The gold shape is the last one, because the outcome is the point of everything before it.
Potential
An informal enterprise, a willing entrepreneur, a market gap. The raw material of every jobs and livelihoods programme.
Readiness
Records, plans, literacy and credit preparation. The unglamorous work that turns potential into something a lender can assess.
Capital
Connection to the formal system: loans, guarantees, matching grants and Shariah-compliant products, through institutions strengthened to deploy them.
Growth
Enterprises that hire, supply chains that deepen, women-led firms that scale. Verified in the field, district by district.
Outcome
Jobs created, incomes raised, inclusion measured. The hasil: the return that follows the work, measured and reported to institutional standards.
Fifteen years of uninterrupted in-country operations. Registered with the World Bank, UNGM, the EU database and ADB CMS. This operating platform is difficult to build quickly. It is the basis for Hasil's delivery claims.
Evidence, not assertion
Two hundred young Afghans trained, with employment built into delivery
Independent evidence on whether MSME support created jobs
A working coordination map for the enterprise ecosystem
Measured by outcomes, not activity
By 2030, Hasil aims to contribute to these outcomes through its advisory and delivery work.
enterprises made bankable and connected to formal finance
people supported to enter formal finance for the first time
women-led enterprises supported to access finance through a 70% female field workforce
financial institutions strengthened to serve enterprises and households
provinces represented in a national market baseline, refreshed regularly
Over time, the pipeline Hasil builds can connect domestic, diaspora and institutional capital with enterprises made ready to absorb it. The harvest funds the next planting.
Programme design and delivery
End-to-end programme design, field delivery, monitoring and adaptation for DFIs, apex institutions and international partners.
Technical advisory
Assessments, evaluations, market intelligence and institutional strengthening as standalone advisory engagements.
Consortium partnerships
Joint bids with complementary partners. We bring national coverage, female field capability and institutional procurement registrations.
Tell us what your programme needs to deliver.
For programme design, institutional strengthening, market intelligence or delivery support.