Water Financial facilitates investment in socially and environmentally meaningful projects, examples of which include:

  • A solar panel financing scheme aimed at corporate employees
  • A 'green' timber, up-market housing development
  • An educational community magazine for HIV-positive people
  • Micro-finance companies, particularly those aimed at enterprise
  • Entrepreneurial development education programmes

Water Financial is guided by:

A culture of innovation:

  • We do not accept the world as it is
  • We strive for relentless, incremental improvement


  • We keep our promises
  • We always act with honesty
  • We offer superior execution and exceptional customer service


  • Our customers know where their money goes and what it's doing
  • We don't have confusing fine print

Respect and inclusion:

  • Our business reflects and respects the diversity of communities served
  • We value all employees and invest in their personal and professional growth
  • We encourage employees to express themselves and be active partners


  • We value and rely on partnerships with others who share our goals


  • We make decisions based on deep knowledge, as close to the customer as possible
  • We truly listen
  • We develop communities, promote environmental health and generate a reasonable profit.

Water flows

Water's parent company, Moksha Enterprises, has conducted research with potential target market clients, finding:

  • 87.8% of respondents wanted to have investment and savings products that would make it known to them where their money is being used
  • 69.4% of respondents would definitely deposit savings with a sustainable bank where they know that their money is used to finance enterprises creating social, environmental and cultural benefits
  • 58.3% expected interest rates to be in line with other banks and 14.5% were willing to accept lower returns
  • Only 4.1% believed it would appeal to no-one

Many of the respondents gave overwhelmingly positive answers to open-ended questions, and this research seems to corroborate a Barclays Wealth report showing that wealthy South Africans are the second-most generous group of people in the world (after Americans) when it comes to giving money, and rank fourth in volunteering time to worthy causes.

According to a global survey conducted by Ernst & Young, nearly half of South Africans no longer trust their banks, and poor service tops the list of their complaints. 96% of customers polled in the survey cited service quality as the main reason they would change banks.