Jacob Winiecki

Consultant

Jacob Winiecki is a Senior Consulting Associate and Program Director at BFA Global, where he leads climate adaptation and resilience programs across emerging markets. He serves as project lead for the Resilience+ Innovation Facility, overseeing the design and implementation of index-linked insurance, credit, and savings solutions for smallholder farmers in Bangladesh and Nepal, including contingent lines of credit. He is a contributing author to CGAP's recently published Contingent Lines of Credit (CLOC): A Liquidity Tool for Customer Climate Resilience and brings over 20 years of experience at the intersection of climate, fintech, and financial inclusion.

By Jacob Winiecki

Blog

From Pilots to Scale: The Next Frontier for Climate-Responsive Credit

A new type of pre-arranged credit is helping farmers stay on their feet after climate shocks and giving financial institutions a reason to stay with them.
Research

Contingent Lines of Credit (CLOC): A Liquidity Tool for Customer Climate Resilience

As climate shocks grow more frequent, financial service providers need tools that go beyond portfolio protection. Contingent Lines of Credit (CLOCs) pre-arrange loan terms and eligibility in calm times, and release funds rapidly to enable coping when a shock occurs. This reading deck explores how climate CLOCs work, what design choices matter, and how they can complement savings, insurance, and other resilience tools.
Research

A Tale of Two Sisters: Microfinance Institutions and PAYGo Solar

Decisions on whether to compete or collaborate with new types of financial services providers and how to do so are some of the biggest challenges that MFIs face. Two global microfinance groups, Baobab and FINCA, have concluded that PAYGo financing can help them reach additional clients.
Blog

The Case for Off-Grid Solar Companies as Mobile Money Agents

Off-grid solar companies could boost revenue and reach more low-income customers by becoming master mobile money agents in remote areas.
Blog

Building Payment Rails in Frontier Areas Through Off-Grid Solar

Many off-grid solar companies are familiarizing customers with digital payments and helping them find mobile money agents. Should they go a step further and start managing agent networks?