Publications

Responsible Mobile Insurance

15 Jul 2015

The German Development Cooperation supports sustainable Economic Development in its partner countries. Insurance market development has become an important approach within BMZ’s financial systems development agenda. Insurance is an important risk mitigation tool to prevent families and small enterprises fall back into poverty when a risk event occurs, and sustain other development efforts. Mobile insurance is taking off rapidly in emerging markets with a range of different product innovations and […]

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Aging and Financial Inclusion: An Opportunity

11 Jul 2015
  • Sonja E. Kelly
  • Elisabeth Rhyne
  • Alice Livingstone
  • Eppu Mikkonen-Jeanneret
  • Pilar Contreras
  • Rosario Baptista

Incomes for older people are unpredictable and varied, and a variety of financial services could support the strategies older people employ to make ends meet. Financial services providers, however, are cautious about their engagement with older people because of concerns about financial capability, income instability, and physiological issues. At the same time, social pensions, while quickly growing in reach, are currently inadequate to meet the needs of older people. These […]

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Implementing mobile money interoperability in Indonesia

07 Jul 2015
  • Gunnar Camner

On May 15, 2013, Indonesia’s three major mobile operators—Telkomsel, Indosat and XL—went live with a ground-breaking initiative that enabled their mobile money customers to send and receive money across each other’s networks. This was a milestone in the mobile money industry. for the first time, mobile money platforms run by mobile operators could talk to each other—account to account, or “walletto- wallet”—in real time. In most countries with mobile money […]

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Microfinance and the Global Financial Crisis: A Call for BASEL

06 Jul 2015
  • David Kruijff
  • Stephan Hartenstein

For many years, microfinance has been the poster child of governments, policymakers and international organizations with the goal of lifting millions of people out of poverty. The notion that microfinance could pursue and achieve the intertwined goals of development and financial profitability without friction predominated. This dual opportunity, combined with a huge untapped market for financial services at the bottom of the pyramid attracted large amounts of funding from international […]

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Doing Digital Finance Right: The Case for Stronger Mitigation of Customer Risks

22 Jun 2015
  • Katharine McKee
  • Michelle Kaffenberger
  • Jamie M. Zimmerman

Low-income consumers stand to benefit greatly from more accessible and affordable digital financial services (DFS) offerings. Indeed, evidence from consumer research in 16 markets analyzed for this paper indicates that customers highly value and benefit from many basic DFS. However, many users are not only new to both formal finance and technology, they also live precarious financial lives that allow little room for error. Enabling users to understand and mitigate […]

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Outreach of Microfinance Finance Institutions in four focus states

22 Jun 2015

(A Consolidated report on analysis of MFIs outreach in Bihar, Odisha, M.P., and U.P.) Funded by Department for International Development (DFID), UK, Poorest State Inclusive Growth (PSIG) programme is being implemented by SIDBI. The programme aims to enhance the income and employment opportunities of poor women and men in 8 low income States by enabling them to participate and benefit from wider economic growth in India. The purpose of the […]

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Governance Practices Among Microfinance Institutions in India

21 Jun 2015

Governance has assumed increasing importance in the Indian microfinance sector over the last few years. With the growth in portfolio and outreach of MFIs, intense competition and stricter regulations, the governance practices of MFIs needed to adapt quickly. Strong governance not only contributes to robust growth of the institution but also avoids the possibility of mission drift. There is a need for prudent corporate governance structure to prevent MFIs from […]

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Improving Client Value from Microinsurance: Insights from Kenya, India and The Philippines

18 Jun 2015
  • Michal Matul
  • Clemence Tatin-Jaleran
  • Eamon Kelly

The primary goal of the International Labour Organization (ILO) is to contribute with member States to achieve full and productive employment and decent work for all. The Decent Work Agenda comprises four interrelated areas: respect for fundamental worker’s rights and international labour standards, employment promotion, social protection and social dialogue. Broadening the employment and social protection opportunities of poor people through financial markets is an urgent undertaking. Housed at the […]

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Advancing Responsible Finance for Greater Development Impact

13 Jun 2015
  • Susan Dorasil
  • Kim Nguyen Van
  • Motoko Aizawa
  • Ekaterina Grigoryeva
  • Margaret J. Miller

A Stock-Taking of Strategies and Approaches among Development Agencies and Development Finance Institutions This report has been prepared as an on-going contribution to the Responsible Finance Forum. The purpose of the report is to contribute to the exchange of knowledge and best practice among institutions working towards the goals of balanced financial sector development and sustainable economic growth. The report aims to facilitate discussions of new challenges in promoting responsible […]

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Expanding Access to Finance through Mobile Payments

11 Jun 2015
  • Nathan Were

Over the past year, as FINCA has engaged in a partnership with The MasterCard Foundation to significantly scale up our outreach to clients through the deployment of new delivery channels, we have learned some important best practices about partnering with MNOs and implementing mobile payments, which we hope are useful to the broader microfinance industry. Since 2013, FINCA Tanzania has been in a partnership with Vodacom, the largest mobile network […]

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