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15 August 2017
There is not enough being done to implement minimum standards in consumer protection for digital credit, and this exposes the industry and consumers to risks such as credit bubbles and mass-blacklisting of consumers in credit bureaus for just a few dollars of debt.
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English (24 pages) | French (26 pages) | Spanish (26 pages)
15 August 2017
Customers are turning to formal channels that use digital and mobile technologies for remittances because these are often able to offer services at lower costs. As more customers turn to formal services, remittances will have an even stronger developmental impact, notably in countries where protracted humanitarian crises affect large numbers of people.
Countries: 
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English (91 pages) | Arabic (12 pages)
04 August 2015
This paper draws from research conducted in Brazil, Colombia, Kenya, Mexico, Pakistan, Peru, the Philippines, Tanzania, and Uganda to look at how providers identify, classify, and manage risks related to the use of agents and how supervisors assess providers.
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English (49 pages) | French (55 pages)
13 December 2013
This Focus Note explores innovative ways for policy makers and providers to raise awareness and improve accessibility of recourse mechanisms, tailor recourse to suit new products and delivery channels, and proactively use recourse data to address systematic problems in BoP markets.
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English (28 pages) | French (28 pages) | Spanish (28 pages) | Russian (28 pages)
Mobile Formats:
iBook (392.25 KB) | Kindle (1.01 MB)
15 March 2013
This Focus Note argues that it is preferable to implement appropriate monitoring mechanisms and regulatory interventions at an early stage in credit market development, to detect potential debt stress and prevent reckless lending practices, thereby avoiding risks to financial markets, consumers, and the regulator’s credibility.
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English (32 pages) | Arabic (32 pages) | Spanish (32 pages) | Russian (32 pages) | French (32 pages)
Mobile Formats:
iBook (787.86 KB) | Kindle (1.71 MB)
16 October 2012
This Guide updates CGAP’s 2003 Guiding Principles on Regulation and Supervision of Microfinance. The revisions reflect continuing developments in the global state of financial access for poor and low-income customers.
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English (128 pages) | Spanish (128 pages) | Arabic (128 pages) | French (156 pages) | Russian (128 pages) | Chinese (128 pages)
Mobile Formats:
Kindle (336.33 KB) | iBook (197.97 KB)
15 March 2012

This Focus Note offers practical guidance to policy makers who are developing disclosure regimes in low-access environments.

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English (24 pages) | French (28 pages) | Russian (24 pages) | Spanish (24 pages)
Mobile Formats:
iBook (659.09 KB) | Kindle (490.68 KB)
01 September 2011

This paper is written primarily for microlenders and the institutions that fund them. We examine conceptual issues and the limited empirical evidence about over-indebtedness in microcredit markets.

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English (44 pages) | French (52 pages)
Mobile Formats:
iBook (471.67 KB) | Kindle (175.15 KB)
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