Recent Blogs
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High Tech, High Touch: Bringing Formal Loans to Rural India
Despite its success developing digital public infrastructure to enable inclusive financial development, India still faces challenges in bringing formal credit to rural and low-income households. A new app supported by CGAP aims to provide a solution.Blog
State of the Climate-Responsive Financial Product Landscape
EMDEs are hit hardest by climate-related disasters and environmental impacts and will need a variety of financial services to adapt and grow more resilient to climate change. Are they getting them? Our product scan provides preliminary insights.Blog
BNPL in Nigeria: Emerging Fintech Innovations for MSEs
Findings from our recent research suggest BNPL is becoming a significant lending mechanism for Nigerians – especially for micro, small and medium enterprises and self-employed individuals who would not otherwise have access to credit.Blog
Savings at the Pump: Financing Solar Irrigation to Support Rural Women
Solar water pumps can be a sustainable, low-cost solution for irrigating farms. Asset financing from organizations like PEG Africa could help more women to obtain these cost- and time-saving tools.Blog
The Essential Role of Finance in Education, Housing and Health Care
CGAP’s research suggests that financial services are important tools for advancing equitable access to quality essential services like education, housing and health care.Blog
As PAYGo Solar Matures, Funders Can Do More to Close the Energy Gap
Pay-as-you-go (PAYGo) solar has enabled energy access for around 27 million customers. Funders can help PAYGo providers further close the energy access gap — while advancing financial inclusion — by focusing on these priorities for the sector.Blog
How Bangladesh Democratized Its Savings Culture
Bangladesh may be best known within financial inclusion circles as the birthplace of modern microcredit. But it has also democratized savings by developing formal savings instruments that are used today by many of the country’s poorest households.Blog
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.Blog
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.Blog
Does PAYGo Solar Improve Women’s Lives? A Look at the Evidence
Pay-as-you-go (PAYGo) solar financing has electrified the homes of more than 100 million people. What does the available evidence say about its impact on women?Blog
Flipping the Switch: How Locking Assets Unlocks Credit for the Poor
A new study out of Uganda offers strong evidence that lock-out technology can enable providers to sustainably lend to low-income customers, who may need credit for school fees and other critical expenses.Blog
In Uganda, Solar Home Systems Help Students Stay in School
A pay-as-you-go (PAYGo) solar provider in Uganda is proving that an often-overlooked benefit of PAYGo – financial inclusion – can also affect education outcomes by keeping kids in the classroom.Blog
Harnessing Fintech in the Arab World: An Opportunity Worth Billions
New research suggests that fintechs in the Arab world could help millions of people and small businesses and generate billions in revenue by serving excluded customers.Blog
How Financial Services Can Help the Poor in the Climate Transition
Early evidence suggests that the financial sector could play a key role in helping low-income people prepare for and participate in climate transition. However, greater coordination among funders and other sector stakeholders is needed.Blog
How Does Tech Make a Difference in Digital Banking?
Digital banks have been innovating faster than traditional banks, and the secret to their ingenuity has a lot to do with the agile business cultures made possible by their modern tech stacks.Blog
What Makes Digital Banking Inclusive?
Just because digital banks can reach low-income customers doesn’t mean that they will. But new evidence suggests that in fact some digital banks are becoming more inclusive and sheds light on how they are reaching low-income customers.Blog
The Breaking Point: How Warranties Support Sustainable Asset Finance
Warranties can break down barriers to asset finance for low-income customers. Here's how.Blog
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.Blog
Digital Banks Increasingly Embrace a Platform Business Model
There are a billion mobile money wallets in developing countries that could be made far more relevant for low-income customers by a digital marketplace approach to banking.Blog