The Innovation and Outreach Facility (IOF) is a matching grant supporting innovations that facilitate access to sustainable financial services for low income rural people particularly women and the youth. The grants are managed by the Rural Finance Expansion Programme (RUFEP) funded by the International Fund for Agricultural Development (IFAD) in partnership with the Government of the Republic of Zambia for the period 2014 to 2022. The IOF grants are targeted at the private sector including Financial Service Providers (FSPs), Mobile Network Operators (MNOs), Civil Society Organizations (CSOs), Apex bodies or Associations, research institutions and universities with innovations that will expand access to financial services to rural areas.