ECLOF Colombia is a medium-sized microfinance institution with branches in the departments of Cundinamarca and Boyacá. ECLOF Colombia clearly serves the disadvantaged: Two third of clients reside in rural areas, one third have only basic education and three quarters do not own their home. Most loans finance rural and agricultural businesses. But it is non-financial services where ECLOF Colombia stands out. Most of their clients have benefited from ECLOF training and consulting on financial education, good agricultural and livestock practices, animal feeding, home gardening and organic fertilizers.