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Banco Terra has four shareholders:
The Rabobank Group is a full-range financial services provider founded on co-operative principles. With its roots and headquarters in the Netherlands, today Rabobank is represented in 43 different countries around the world. The Bank is a renowned authority in the field of agricultural finance and is one of the very few banks to enjoy a Triple A status.
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KfW Entwicklungsbank finances investments and accompanying consulting services in developing countries. It carries out its work on behalf of the German Federal Ministry for Economic Cooperation and Development (BMZ). The Bank is committed to the primary goal of the German development cooperation, namely to sustainably improve the economic and social conditions of the people in developing countries.
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Norfund, also known as the Norwegian Investment Fund for Developing Countries, contributes risk capital to activities in poor countries which are not financed by traditional aid or attractive to commercial players. The description of Norfund's mandate contains an implicit requirement that its operations will contribute or generate something in addition to that which would otherwise have taken place through the market.
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GAPI-SI is a financial institution working, since 1990, with the aim of contributing to the economic and social development of Mozambique. Its activities are incorporated into a Public-Private Partnership, which promotes entrepreneurship and improves creditworthiness of entrepreneurs, operating primarily in rural areas, by combining financial resources and the creation of human capital. GAPI’s mission is to contribute to the creation of a more inclusive financial system, through the promotion of creditworthiness of SMEs and community based organizations. It aims at supporting the implementation of development projects, that integrate the provision of financial and business development services, along with the promotion of institutional capacity of rural financing intermediaries. GAPI is present throughout Mozambique through a network of branches with a team of 84 dedicated employees who work in 40 districts.