Publications

Digital Credit In Tanzania: Customer Experiences & Emerging Risks

28 Feb 2018
  • Michelle Kaffenberger

In June-August, 2017, CGAP, with inputs from FSD Tanzania, conducted surveys in Tanzania to identify customer experiences with digital credit, including uses of digital credit, emerging risks, and the size of the digital credit market. The surveys consisted of: Nationally representative phone survey (representative of phone owners), of N=4,574 Tanzanians. The sample was drawn from random digit dial technique, which relies on a randomly-generated list of mobile phone numbers in […]

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Mobile Technologies And Digitized Data To Promote Access To Finance For Women In Agriculture

28 Feb 2018

    Smallholder farmers, male and female, face a persistent and well-documented finance gap; they are often invisible to or deemed too risky by banks to serve and their financial needs do not align with the terms of most microfinance lending. They lack access to other relevant products and services as well: agricultural insurance is notoriously difficult to provide, savings accounts are often accessible only in distant urban bank branches and extension […]

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    Remittances and Financial Inclusion: A Demand-Side Analysis of Low-Income Jordanians and Syrian Refugees in Jordan

    28 Feb 2018
    • Nadine Chehade
    • Antoine Navarro
    • Danielle Sobol

    Remittances volumes to low- and middle income developing countries have a potentially large development impact because they are three to four times bigger than official development assistance and more stable than foreign direct investment. They are projected to reach US$450 billion in 2017 (KNOMAD 2017). On such important volumes, the slightest decrease in transaction cost amounts to millions more channeled to end recipients. Over recent years, the global average cost […]

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    G20 Argentina 2018 Priorities Paper

    30 Jan 2018

      Under its G20 Presidency’s theme of “Building Consensus for Fair and Sustainable Development” Argentina has released the GPFI Priorities Paper, which identifies the priorities for 2018. The document focuses on the role of digitisation to financially include the underserved population, particularly those in the informal economy. This agenda has been designed to be relevant for both developing and developed countries. To that end, under Argentina’s G20 Presidency, the GPFI will deliver a […]

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      Global Financial Inclusion and Consumer Protection Survey

      30 Jan 2018

        Financial sector authorities increasingly prioritize financial inclusion and financial consumer protection, alongside existing priorities of stability and integrity. An enabling environment that facilitates competition, promotes innovation and the use of technology, addresses risks in a proportionate manner, and empowers financial consumers to make informed choices is critical to improving financial inclusion and consumer protection. Financial sector authorities have pursued a range of enabling environment reforms but progress has been uneven: […]

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        Inclusive Insurance: Closing the Protection Gap for Emerging Customers

        30 Jan 2018
        • Susy Cheston

        Emerging consumers present a promising market for insurance, and creative insurance companies have been developing promising models to reach this market for years. Since the 1990s, the microinsurance movement has demonstrated the benefits of insurance for low-income people, as well as exploring new business models to serve these customers profitably in frontier and emerging markets. Microinsurance pioneers, as well as social insurance programs, targeted customers in the informal economy who […]

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        International Funding for Financial Inclusion

        30 Jan 2018
        • Olga Tomilova
        • Edlira Dashi

        The 2017 edition of CGAP’s annual Cross-Border Funder Survey reports funding commitments from the 23 largest international funders of financial inclusion, representing 80 percent of the full set of over 54 international funders and 73 percent of the global estimated funding commitments for financial inclusion in 2016. Financial inclusion, which is broadly perceived as an enabler of Sustainable Development Goals (SDGs), remains an important focus for funders. Survey results indicate […]

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        Microfinance and Economic Development

        21 Dec 2017
        • Robert Cull
        • Jonathan Morduch

        This paper is an insightful and well-written analysis that advocates for a refreshed vision of microfinance following four decades of experience. The authors reconsider the claims about microfinance, both about its social and economic impacts on households and about microfinance institutions’ own profitability as business enterprises that serve low-income households.  The paper argues that claims about large impacts and profits have been exaggerated, but so have claims about failures.  Recent literature suggests that microfinance impacts remain modest and […]

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        Digital Financial Services in Nigeria: State of the Market Report 2017

        21 Dec 2017
        • Olayinka David-West

        The notion supporting digital financial services (DFS), mainly through ubiquitous mobile devices as a magic bullet for enhancing access and utility of financial services is still in its nascent stages. Through research engagements, the various dimensions of Nigeria’s financial inclusion conundrum are the primary focus of the Sustainable and Inclusive Digital Financial Services (SIDFS) Initiative hosted at the Lagos Business School. By generating an evidence base, we aim to provide […]

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