VIRL Financial Services was established in February 2010 by two women who wanted to make an impact in financial inclusion. VIRL financial inclusion mandate has focused on rural financing, with interest in reaching out to excluded and vulnerable women and youth to businesses which create employment and curb migration. VIRL operates in ZImbabwe through a network of branches and satellites. The business started with a low capital base but with a big life changing idea. In order to grow the business , VIRL has worked with developmental partners working in ZImbabwe rural communities. VIRL collaborated through the introduction of micro credit in their programming.