Financial Inclusion

The National Financial Inclusion Strategy (ENIF) 2025–2030 aims to expand access to bank accounts, digital payments, and formal credit for rural Hondurans, women, and small businesses historically locked out of the formal system.

Juan Carlos Hernández, president of Honduras's economics association, says family remittances have strengthened household purchasing ability for food, education, and health, and reduced demand for consumer credit.

Housing Secretary Francis Argeñal said 75% of Honduras's population lacks access to bank credit, prompting the government to develop a national financial-inclusion plan and subsidy policy for housing projects.

Honduras's banking regulator (CNBS) unveiled a five-year National Financial Inclusion Strategy (2025–2030) aimed at expanding access to formal financial services for women, youth, rural communities, small businesses, elderly people, and indigenous and Afro-Caribbean populations.

Ficohsa has opened a new branch in El Zamorano (Francisco Morazán), its first physical presence in the region, to serve the area's agricultural, commercial, and academic communities with banking and financial services.

The CNBS Gender Gap Report 2025 shows men hold more bank accounts per capita in Honduras's high-activity economic regions, while women show higher financial participation in rural areas and the country's western region.

A 2025 gender-gap report from Honduras's banking regulator shows women hold more savings accounts and certificates of deposit while men predominate in check and basic accounts, revealing distinct financial-product patterns by gender.

The National Congress's Gender Equity Commission met with UN Women, civil society, and regulators to review a National Financial Inclusion Strategy aimed at expanding formal financial services for women and other excluded groups.

Women now lead deposit-account ownership in Honduras, underscoring growing female access to financial products, according to the banking regulator's 2025 gender-gap report.