Publications

13 February 2015
Unstructured supplementary service data (USSD), a communications service controlled by mobile network operators, is a critical piece of infrastructure used to provide mobile financial services on most phones, at low cost, and without requiring access to the user’s SIM card. READ MORE »
24 February 2015
This Focus Note explores the operational costs associated with musharaka and salam products by delving into two case studies: Bank Al Baraka in Algeria and Wasil Foundation in Pakistan. READ MORE »
27 January 2015
The amount of electronic data generated by computerization—digital data—is growing at unprecedented rates. Financial services are an information business—can this growing wealth of data be harnessed to advance financial inclusion? READ MORE »
16 October 2014
CGAP has conducted eight human-centered design projects in seven countries. The lessons from these projects highlight both the challenges ahead and a possible way forward when it comes to integrating mobile money into the lives of the poor. READ MORE »
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About Publications

CGAP publications cover a wide range of financial inclusion topics and are a premier resource for stakeholders interested in advancing financial access for the world’s poor. We focus on evidence-based research and each paper goes through a rigorous peer-review process.

29 April 2016
Financial institutions serving the poor can offer a range of savings, insurance, and even nonfinancial products in addition to their core credit products. Bundling these products into one packaged sale can be a cost-effective distribution strategy and a means to differentiate the provider’s offering by its added value to clients.
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English (39 pages)
29 April 2016
This Working Paper addresses qualitative research on how microentrepreneurs approach, decide, and act on key business and financial management issues.This report provides a comprehensive summary of the objectives of the research, the behavioral methodology used for the qualitative research conducted in India and the Philippines, and key findings on how microentrepreneurs manage their finances.
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English (36 pages)
29 April 2016
Consumer lending in India has rapidly expanded in the past decade and has been motivated by a strong focus on financial inclusion, services a large number rural, low-income clients with little former formal financial sector experience. There is a strong imperative for customer protection norms to accompany this rapid growth, to sustain the benefits of financial inclusion that accrue to customers, communities, and the larger economy.
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English (51 pages)
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