Publications

Consumer Protection Regulation in Low-Access Environments: Opportunities to Promote Responsible Finance

26 Aug 2014
  • Laura Brix
  • Katharine McKee

Responsible finance is much in the news these days, as the fallout from irresponsible financial practices and products in the United States and other developed markets continues to affect global finance. Regulatory failure clearly played a role in the meltdown of the financial system. One silver lining of the global financial crisis is that more attention is being paid to financial consumer protection. Debates in the legislatures and central banks […]

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Voting the Double Bottom Line: Active Governance by Microfinance Equity Investors

26 Aug 2014
  • Katherine McKee

Socially oriented equity investors—particularly those that take formal roles in the governance of microfinance service providers and funds—face challenging situations and decisions. Equity investing requires active governance—and this is particularly true for value-based investing because value-based investors seek to guide the company so that it behaves responsibly and creates both financial and social returns. Again and again in the course of research, those involved in microfinance institution (MFI) governance have […]

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Electronic G2P Payments: Evidence from Four Lower-Income Countries

26 Aug 2014
  • Jamie M. Zimmerman
  • Kristy Bohling
  • Sarah Rotman Parker

Increasingly, governments and donors are looking to move their social cash transfer payments from cash to electronic and, in some cases, incorporate financial inclusion objectives into these payment schemes. This momentum toward electronic payments (e-payments) rests on the promise of improving transparency, decreasing costs, and reducing leakage on the one hand, and facilitating value-added services through financial access on the other. In 2012, the CGAP Focus Note “Social Cash Transfers […]

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Credit Reporting Knowledge Guide

26 Aug 2014

    In 2001, the International Finance Corporation (IFC) launched the Global Credit Bureau Program, later renamed the Global Credit Reporting Program, to better reflect the nature of its operations. The objective of this second edition of the Credit Reporting Knowledge Guide is to disseminate best practices in credit reporting development, and to contribute to credit information sharing in emerging markets. Since the program was launched, it has helped develop favorable credit […]

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    Making Recourse Work for Base-of-the-Pyramid Financial Consumers

    25 Aug 2014
    • Megan Chapman
    • Rafael Mazer

    A microfinance client lives hundreds of miles from the capital city, where her microfinance provider has its central office. Her entire village was “unbanked” until the microfinance provider started providing services via a single loan officer two years ago. She was happy with her first loan, but is struggling to make biweekly repayments on her second loan, and the loan officer insists she cannot withdraw from her savings to help […]

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    Customer-Centricity for Financial Inclusion

    25 Aug 2014
    • Tanaya Kilara
    • Elisabeth Rhyne

    Every business depends on winning customer loyalty by providing value. This is also true when your customers are from the base of the social and economic pyramid (BOP). Financial service providers who are serving or who want to serve this important customer segment need to invest in understanding these customers’ needs and develop products that meet those needs. Customer-centricity is about providing solutions based on a deep understanding of customer […]

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    Regulatory approaches to inclusive insurance market development

    25 Aug 2014
    • Jeremy Gray
    • Hennie Bester
    • Christine Hougaard
    • Mia Thom

    The A2ii is the implementation partner of the International Association of Insurance Supervisors (IAIS) on inclusive insurance. Part of this role is to extract relevant learning and build supervisory capacity. It has been five years since the findings from the original five Access to Insurance Initiative (A2ii) microinsurance diagnostics were synthesised into a cross-country report and a series of focus notes. In the interim a number of further microinsurance diagnostics […]

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    Access to Insurance Initiative: Inside the Initiative

    25 Aug 2014

      Access to Insurance – An important strategy for reducing vulnerability The inability to manage vulnerability can perpetuate poverty. Access to insurance services can play an important role in mitigating welfare losses. Regulation and supervision can facilitate insurance markets to become more accessible and inclusive for low-income households. The Access to Insurance Initiative is a global partnership with the mission to inspire and support supervisors to promote inclusive and responsible insurance, […]

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      Toward Inclusive Islamic Finance

      25 Aug 2014
      • Natalie Schoon
      • Matthias Range

      The revolution of Islamic Microfinance is pending. In recent years, the discussion on Microfinance has made significant leaps. Following the 2007 crisis, the industry has reflected on potential areas of poverty reduction and employment creation, the importance of its double bottom line of profit and social impact and, by extension, the need of putting consumer protection principles at the center of attention. The shift from quantity towards quality in supplying […]

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      Responsible Finance in Ghana, Kenya, Tanzania, and Uganda

      25 Aug 2014
      • Pim Engels
      • Denise Dias
      • Kate McKee

      Insights from the MFW4A conference “Promoting Financial Capability and Consumer Protection, A Step Forward towards Financial Inclusion in Africa”,held in 2009, demonstrate the importance of responsible finance to unleash the potential of African financial sectors to drive economic development and reduce poverty across the continent. In the new approach to responsible finance governments, financial service providers,a variety of stakeholders and consumers engage in three mutually reinforcing pillars: consumer protection by […]

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