Impact of Policies and Regulations on the Micro finance Sector

18 May 2015
  • Partha Ghosh
  • Richa Valechha
  • Puneet Chopra

The Andhra Pradesh micro finance crisis and the subsequent regulatory regime had a significant impact on the micro finance institutions and their customers. Stipulation of minimum net owned funds, introduction of the concept of “qualifying assets”, strict IRAC and capital adequacy norms, cap on operational income, compliance to credit bureau checks and emphasis on corporate governance for NBFC-MFIs meant only a few who adhere to these covenants would be allowed […]


The Mobile Economy 2015

16 May 2015
  • Various

The mobile industry continues to scale rapidly, with a total of 3.6 billion unique mobile subscribers at the end of 2014. Half of the world’s population now has a mobile subscription—up from just one in five 10 years ago. An additional one billion subscribers are predicted by 2020, taking the global penetration rate to approximately 60%. There were 7.1 billion global SIM connections at the end of 2014, and a […]


Bridging the gender gap: Mobile access and usage in low and middle-income countries

16 May 2015
  • Various

It has been five years since the report, Women and Mobile: A Global Opportunity, highlighted the disparity in mobile phone ownership between men and women in low- and middle-income countries and drew increased attention to the issue of women’s access to mobile phones. Since then, access to mobile phones has increased substantially, including for women. Mobile phone penetration rates are accelerating rapidly in the developing world, and new, more affordable […]


Client Protection Principles: Model Law and Commentary for Financial Consumer Protection

06 May 2015
  • Erik D. Choisy
  • Jay Gary Finkelstein
  • Sara K. Andrews

This Model Law and Commentary (collectively, the “Model Law”) creates a legal framework for financial consumer protection based on the Smart Campaign’s Client Protection Principles. It draws upon a broad survey of experts, relevant scholarship, and existing laws and regulations from countries across the globe. The document presented here reflects this background research, distilled into model legislative language with accompanying commentary. The Model Law is intended for three main uses. […]


Microfinance for Decent Work: Enhancing the impact of microfinance

05 May 2015
  • Various

From 2008 to 2012 the International Labour Organization (ILO) collaborated with 16 microfinance institutions (MFI) to test a range of approaches to foster social impact through the delivery of innovative financial and non-financial services. Eliminating child labour, fostering the formalization of enterprises, reducing vulnerability and enhancing business performance through improved working conditions – these are decent work objectives that the MFIs addressed in the framework of the “Microfinance for Decent […]


Early Insights from Financial Diaries of Smallholder Households

30 Apr 2015
  • Jamie Anderson
  • Wajiha Ahmed

Early data from the initial phase of the Smallholder Diaries outline the complexity of the financial lives of smallholder households. Renato and Hecinta are raising six young children in a rural area of Mozambique’s northern Nampula Province. On just half a hectare, they grow rice, maize, beans, cashew, peanuts, cabbage, and tomatoes, selling what they can and eating the rest. But, like many of the 475 million smallholder households worldwide, […]


The Little Data Book on Financial Inclusion 2015

28 Apr 2015
  • L. Klapper
  • S Ansar
  • D Singer

Providing data on access to financial institutions and financial markets in 143 economies The data book is a pocket edition of the Global Financial Inclusion Database published in 2015. It provides 41 country-level indicators of financial inclusion summarized for all adults and disaggregated by key demographic characteristics: gender, age, income, and rural residence. These indicators cover 143 economies and measure how people, save, borrow, make payments, and manage risk in […]

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