What we do
Areas of action
Ethical financial infrastructure, education and cooperation with local communities - everything ZEF builds so that money serves people, not the other way around.
Five key areas
From financial instruments to humanitarian work - everything ZEF builds for a fairer economy in the hands of the community.
Financial instruments
Six concrete tools through which ZEF connects member capital with sustainable projects - from microloans to the MOBA Accelerator and the microequity fund.
Mutual financing Microloans Pre-financing Revolving funds Microequity See all 6 instrumentsHumanitarian work
The first organization on the ground after the 2014 floods and the 2020 earthquake. More than 180 days of field presence and over €300,000 in donated funds.
Floods 2014 Earthquake 2020 Community aid Volunteer actions Read moreCooperative formation support
We have supported the creation and operation of dozens of cooperatives across sectors - advisory, legal support, financing connections, and education.
Energy cooperatives Agricultural cooperatives IT cooperatives Short supply chains Architecture cooperatives Social enterprisesCooperative housing
Affordable housing through the cooperative model - from the MOBA Accelerator to the national affordable housing plan in which ZEF actively participates.
Affordable housing Housing cooperatives Natural materials construction Spatial planningEconomy for the Common Good
ZEF is the local ECG network branch for Croatia. We use the Common Good Matrix to measure the real impact of business on society and the environment.
ECG matrix Impact measurement Ethical business Sustainable development Learn more