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Blog Series

Asset Finance for the Poor: Innovations and Challenges

Asset finance offers donors and investors a potentially scalable approach to advancing several SDGs. In this blog series, we explore innovations and challenges in asset finance across emerging markets.

Woman stands next to bicycle she financed through a social enterprise in Uganda
Blog
08 July 2021

Two Sides, One Coin: Credit Risk Management and Consumer Protection

For companies that offer asset financing for everything from solar panels to bicycles, consumer protection measures aren't just good for customers; they can also help companies to manage credit risk and improve their loan portfolios.
Woman receives loan in Ghana
Blog
04 May 2021

The Social Impact Credit Trap in Asset Finance

Rapid growth in credit sectors, even if motivated by a desire for social impact, can lead to overindebted customers and insolvent lenders. For funders, it is important to recognize that investing in asset finance is investing in risk management.
A woman in India weaves a basket
Blog
22 April 2021

Last-Mile Consumer Finance: Embracing Opportunity, Managing Risk

Last-mile distributors around the world are working to increase low-income households' access to solar systems, cookstoves, water purifiers and other important assets. Many offer financing to customers. How are they managing credit risk?
Family in kitchen next to microwave and refrigerator
Blog
12 November 2020

Crédito Fácil: Electric Banking in Colombia

Access to electricity does little good if it can’t be used. Learn how an energy utility in Colombia has helped 1.3 million customers to finance appliances and get more value from their energy.
A pay-as-you-go (PAYGo) solar customer in Nigeria uses a radio powered by solar energy.
Blog
22 September 2020

The Breaking Point: How Warranties Support Sustainable Asset Finance

Warranties can break down barriers to asset finance for low-income customers. Here's how.
An engineer with Orange Energie, a PAYGo solar provider in Mali, cleans a rural customer's solar panel. Photo: Nicolas Réméné
Blog
04 August 2020

PAYGo Transformed Off-Grid Solar: Is Consumer Financing Next?

By partnering with pay-as-you-go (PAYGo) solar companies, electric utilities in Africa could expand low-income households' access to responsible consumer finance for refrigerators and other electric appliances.
A home lit by solar power in India. Photo: Dominic Chavez, IFC
Blog
02 June 2020

The Box, Not the Tools: Managing Credit Risk in Asset Finance

Pay-as-you-go solar companies and other asset finance providers are using cutting-edge tools to manage credit risk, but many lack the risk culture, governance structures and processes to use them effectively.
Productive assets like livestock can help households build financial resources, for example, by allowing the m to increase and diversify their incomes. Photo: K.M. Asad, 2015 CGAP Photo Contest
Blog
05 May 2020

Asset Finance Innovations Can Advance SDGs – If They Scale Responsibly

New asset finance business models are breaking down old barriers to putting life-changing assets into the hands of poor households. But to meaningfully advance SDGs, they’ll need to scale responsibly, and this is where funders can play a role.
Solar energy used to light village shop. Sri Lanka. Photo: Dominic Sansoni / World Bank
Blog
03 March 2020

What Do Low-Income Customers Want from Asset Finance?

Here are six lessons for offering asset finance to low-income customers, based on in-depth interviews with dozens of asset finance providers and their customers in developing countries.
Photo: Baobab+ Senegal
Blog
19 November 2019

Smart Phones, Smart Partners: Linking Asset Finance and Microfinance

One company offers microcredit. The other offers PAYGo financing for smartphones, tablets and solar home systems. In what may be a template for other microfinance institutions, they are helping each other to reach more low-income customers.

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