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Microfinance—or formal financial services for the poor—helps people fight poverty on their own terms, in a sustainable way.
Diverse channels are needed to get diverse financial services into the hands of a diverse range of people who are currently excluded. Making this vision a reality entails breaking down the walls—real and imaginary—that currently separate microfinance from the much broader world of financial systems.
This Annual Report outlines CGAP’s work in fiscal year 2005. This work is described according to the themes set forth by our members for the period 2003–2008.
There is a vast potential market for retail financial services among low-income clients, and a growing number of commercial banks have successfully entered this market. These are the findings of recent research undertaken by CGAP, the global resource center for microfinance supported by a syndicate of 30 multilateral, bilateral, and private donors.
This Annual Report describes the activities of the CGAP Operational Team during fiscal year 2004 (July 1, 2003–June 30, 2004).
Microfinance works. It enables the poor to build assets, diversify and increase incomes, and reduce their vulnerability to economic stress. Microfinance is sustainable: Dozens of institutions have proved that financial services for poor people can cover their full costs, through adequate interest spreads, relentless focus on efficiency, and aggressive enforcement of repayment.
This Donor Brief outlines a practical way that donors can work, individually or on collaboration, to support pro-poor financial systems that ensure permanent access to financial services for significant numbers of poor people.
This Annual Report describes the activities of the CGAP Operational Team during fiscal year 2003 (July 1, 2002–June 30, 2003).
Microinsurance is one of the many financial services that can help poor people protect themselves from risk. This Donor Brief provides practical dos and don'ts for donors interested in supporting this promising but still largely untested field.
This Donor Brief clarifies the confusing terminology related to rural finance and identifies the main constraints to financial services in rural areas. It also pinpoints specific issues donor agencies face internally to effectively support financial services for the rural poor and offers helpful guidance.