The Achmea Foundation invests in sustainable initiatives in which the priority is social impact.
We do not believe that you can make a long-term difference with a temporary donation.
Local entrepreneurship and a local presence are the driving forces for sustainable improvements.
Together with our partners, we always seek the form of investment that will boost local businesses. How we invest needs to be aligned to that. This might be done by using the expertise of Achmea employees, by social lending or by donating money.



Thanks to its 15,000 employees, Achmea possesses a wide range of in-house expertise. This expertise relates to agriculture, healthcare and financial services. Within these fields, there is a great deal of knowledge and experience of marketing, investment, accounting, actuarial matters, IT, procurement etc. We can make good use of this expertise.

The use of Achmea specialists, managers from all levels and talented employees contributes to the success of the Achmea Foundation’s projects. At the same time, employees often gain eye-opening and valuable experience that contributes to their professional development.

Social lending

Social lending promotes entrepreneurship among the parties involved. It creates commitment. And it promotes creativity among loan recipients. Experience tells us that their entrepreneurship and creativity help them to make the best-possible use of the loan.

The loans granted by the Achmea Foundation are always what are known as soft loans. These are either interest-free loans or loans subject to a very low rate of interest. An added advantage of this type of financing is that we can reach many more people with our capital. After all, all the money that is paid back can be reinvested.


Where there is no financial capacity for a loan, we may decide to donate money. Local conditions sometimes call for a donation because the very poorest members of society often need a one-off investment.

The Achmea Foundation aims to reach precisely this poorest section of the population, which is only possible with additional effort. This is why we donate money. We always agree in advance what we expect in return for the donation.

It may also be that a project’s development costs are so high that a donation is required to hedge the risk.

The basic principle in making donations is that the donation is the first essential injection without which the project would not be able to get off the ground. The next step in the financing is in principle always a social loan.