Fonkoze's development programs include Adult Education, Ultra-Poverty Alleviation and Boutik Sante, a health program designed to create a new business opportunity for Fonkoze's existing clients while also providing much-needed health products, services and education to rural communities throughout the country.

Fonkoze is a family of three organisations working together to achieve its mission:[4] Nearly three decades ago, Haiti was a country in the midst of a struggle for freedom and equality.

The poor were not allowed access to banks or to the financial services they needed to rebuild their lives and their country from the ground up.

Arnold and Porter of New York became the first pro bono legal counsel of Fonkoze USA, and organizational structures were put in place.

Fonkoze was unwavering in its commitment to give the poor all the tools they needed and deserved to be successful at economic development.

The organizations strongly believed if they were truly to have an impact throughout the country, and especially in the countryside where the poorest and most vulnerable lived, they needed to quickly open a branch in each department of Haiti.

Once Fonkoze made its first offering of Notes for a Democratic Economy in Haiti in the winter of 1998, the loan fund began to grow rapidly.

Fueled by a network of religious alternative investors and concerned individuals all over the U.S., the loan fund reached more than a half million dollars by 1998.

As Fonkoze began to study their model of development, they discovered that in each case, the organization was driven by the same challenges of sustainability, scale, and capital.

In the early stages of this exploration, Gordon, Anne, and other members of the Board of Fonkoze USA, consulted with attorneys (both in the and ), donor institutions, and international microfinance consultants from Development Alternatives, Inc. Just as the organization was about to take its first steps at putting voice to their vision and presenting it to the larger community, violent forces within moved on Fonkoze.

The men forced all the employees on the floor at gunpoint, and robbed the central safe of a relatively small amount of cash.

In three popular Haitian newspapers, full-page ads ran calling for a full investigation, offering support and solidarity for Fonkoze, and signed by more than 100 international organizations.

Sadly, three weeks later, the tortured body of Amos Jeannot was found in the Central Morgue by Fonkoze staff member Alexandre Hector.

In the face of incredible challenges to their work — insecurity, devaluation of the Haitian gourde, continued political instability — Fonkoze grew, professionalized, and strengthened in Amos' memory.

At about the same time, Fonkoze entered into a partnership with Development Alternatives, Inc., a USAID-funded organization that provided technical assistance to microfinance institutions operating in Haiti.

Key to this transition were a two-person team: Rob Barger, who was Director of Credit at the time, and Mr. Salam, a Grameen Bank senior manager who was loaned to Fonkoze for a period of ten months.

Centers consist of 6-10 solidarity groups of women who gather together all at once to network, receive credit and training, open saving accounts, and repay their loans.

The government of Haiti and the Central Bank started to consider what kind of license would be appropriate for micro-finance institutions like Fonkoze, and began to draft a law.

The original, founding, organization, Fondasyon Kole Zepòl, Fonkoze Foundation, still managed small, incubating branches plus other development services.

Literacy[6] and business skills training[7] were augmented with education modules on reproductive health,[13] women's and children's rights, and environmental protection.

Chemen Lavi Miyò (CLM),[14] empowered Haiti's poorest women to pull themselves and their families from ultra poverty into self-sufficiency, with hope and vision for their futures.

They lived on less than $1 per day, had multiple children, no assets, no healthcare, and suffered from persistent hunger, with no reliable access to food.

Each member also received a small cash stipend while her fledgling business grows and free healthcare in partnership with Zanmi Lasante, Partners in Health's Haitian sister organization.

Case managers made weekly visits to every member, which often required overnight stays and hours-long hikes to reach women in Haiti's most remote locations.

They also help each woman to successfully navigate the unique challenges she encounters throughout the process and to build a plan for her future as she moves forward.

As of December 2018, Fonkoze has worked shoulder-to-shoulder with over 8,000 women and their families in Haiti's Central Plateau to help them graduate from ultra poverty.

She had negotiated with US-AID to take the $2 million they had granted for hurricane credit in 2008 and leverage it to begin some sort of catastrophic insurance plan.

Its clients endured paralyzing losses, as over 19,000 of them saw their homes, businesses or both wiped away during the earthquake and continued to crumble in the days following.

Many clients who did not lose assets in the earthquake knew many who did, and overnight they became host families for some of the over half a million urban refugees who migrated out to rural Haiti in the weeks following the quake.

[17] In March 2013, Anne Hastings, after 17 years in Haiti, went on a leave of absence and Fonkoze Financial Services’ Board appointed a management team comprising the CFO, COO (formerly head of Internal Audit), and CIO to oversee day-to-day operations while decisions were made around the appointment of a new CEO.