Finance in Haiti

Banks in Haiti provide accounts, deposits, payment services and lending. The Banque de la République d’Haïti (BRH) regulates and supervises the banking system. Access is concentrated in Port-au-Prince and the Ouest Department, while HTG and USD accounts, cards, ATMs, interbank transfers and mobile-payment services support everyday transactions. Investing usually means placing money in companies, productive projects, real estate, infrastructure or operating assets. Agriculture, tourism, industry, export, renewable energy, BPO and ICT are among the areas considered, but security, inflation, currency, infrastructure and governance can create substantial risk. Haiti does not have a documented fully developed retail market for locally traded shares, bonds, ETFs or investment funds. Costs vary by region and household situation. Haiti has no single national household price list, and local budgets should use HTG while allowing for changing prices. The overall price level rose 17.5% in July 2026, so a budget should record its date, location and main currency rather than rely on one fixed national estimate. Debt is money or another promised performance owed to a lender or creditor. Formal borrowing can involve banks, caisses populaires, microfinance institutions, leasing companies or electronic-payment providers; informal borrowing from family, friends and savings groups is also widespread. Compare total repayment, fees, late charges, collateral, guarantor liability and currency risk before accepting credit. Taxes include personal income, company profits, payroll, consumption, property, municipal business taxes and customs. The fiscal year runs from October 1 to September 30. Taxpayers generally use a NIF or CIF for filings and payments; the DGI administers domestic taxes, the AGD handles customs and communes administer several local taxes. Insurance combines statutory social schemes, compulsory third-party vehicle cover and private products. OFATMA covers specified work, sickness and maternity risks, ONA provides old-age insurance for private-sector workers, and OAVCT provides compulsory vehicle cover. Private insurers offer additional health, property, liability and personal cover under the terms of each contract. A sound financial plan therefore separates regular costs, borrowing, tax obligations, asset decisions and protection against defined losses.