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The Norwegian Refugee Council (NRC) is an independent humanitarian NGO based in Norway, established in 1946 to assist refugees in post-World War II Europe. Over the years, it has evolved into a global organization providing emergency assistance, protection, and durable solutions to refugees and internally displaced persons (IDPs) in more than 40 countries affected by conflicts, disasters, and climate change. NRC specializes in six key areas: livelihoods and food security, education, shelter and settlements, information and legal assistance, protection from violence, and water, sanitation, and hygiene (WASH). The organization employs around 15,000-16,000 staff, primarily local hires, and assists approximately 9-10 million people annually. NRC collaborates with various partners, including UN agencies and local actors, to address the needs of vulnerable populations and advocate for their rights. It also maintains the Internal Displacement Monitoring Centre (IDMC) in Geneva and operates NORCAP, a roster of experts supporting humanitarian responses in crises.
Creditas is a prominent Brazilian digital lending platform founded in 2012 by Sergio Furio. The company specializes in secured loans, offering affordable credit options through collateralized lending. Its primary products include home equity loans, auto equity loans, payroll-deductible personal loans, and vehicle financing. By leveraging technology, Creditas provides lower interest rates, larger loan amounts, smaller installments, and longer payment terms compared to traditional unsecured loans. Headquartered in São Paulo, Creditas also has offices in Porto Alegre, Recife, Mexico City, and a technology hub in Valencia, Spain. The company employs over 1,600 people and has raised more than US$314 million from international venture capital funds, including a significant investment from SoftBank Vision Fund. In addition to lending, Creditas offers insurance and financial wellness solutions, aiming to enhance the financial well-being of its customers. Its digital-first approach ensures an efficient lending process, focusing on personalized service and customer experience.