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What’s Financial Health Got to Do with It?

Financial health can be a useful concept for those working toward financial inclusion, but it also presents challenges.
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It's Time to Slow Digital Credit's Growth in East Africa

New research from Kenya and Tanzania reveals that digital credit is often used for consumption purposes and that delinquency and default rates are high, suggesting funders of digital credit markets should prioritize consumer protection.
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Setting the Stage for a Market Systems Approach

A market systems approach to financial inclusion seeks to identify the root causes that prevent low-income people from accessing and using financial services. The program diagnostic process should be designed and implemented through a systems lens.
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Can Equity Investors Contribute to Building Inclusive Markets?

Equity investing can play a broader role in building inclusive financial markets. CGAP research reveals three key leverage points that equity investors can use to engage with investees in ways that develop the market.
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Supporting Digital Financial Services? 5 Lessons for Funders

A recent survey of financial inclusion funders revealed that a majority plan to increase their focus on digital financial services in the future. What should funders know when considering support of digital financial services?
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Practical Tools for a New Approach to Financial Inclusion Funding

What does it mean to take a systemic approach to financial inclusion? Learn more from these selected resources on market systems development.
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Shifting to Market System Facilitation Approaches

Shifting to a market systems approach has many practical and operational implications, especially around staffing, relationships, monitoring and evaluation, and coordination. USAID is one organization that is implementing these shifts and is sharing some lessons learned along the way.
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Do We Need a Financial Inclusion Paradigm Shift?

Shifting to a market systems approach to funding financial inclusion has been a challenge, although effective, for JICA.
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Nine Pieces of Guidance for Funders of Financial Inclusion

CGAP's revised guidelines for financial inclusion funders reflect a shift from an institution-building approach to inclusive finance to one that is rooted in the complexities of broader market systems.
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What Can Donors Do to Ensure Responsible Digital Finance?

For digital finance to be a transformative tool, consumers must have greater confidence in the markets and in providers that deliver those services, writes USAID's Matt Homer.
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New Funding Approaches Call for a New Way of Measuring Impact

Marcus Jenal presents guiding principles for changing the fact that monitoring frameworks are still predominantly designed for accountability towards funders rather than as a management and learning tool for the programs themselves.
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Making Sense of Financial Inclusion Data Sources

Having a variety of data sources on financial inclusion is an asset. But depending on what data sources are used can lead to very different conclusions about financial inclusion.
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Transparency In SME Investments: We’re Not There Yet

Despite evidence of financial and impact tracking, most DFIs do not disclose data on financial performance. Reporting on social impact is even harder to obtain. We are a long way from full transparency.
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Six To-Dos Now for Responsible Investors

At the mid-year Social Investor Roundtable, the Sangam Group (CEOs of the 10 largest MIVs) and annual Development Finance Institutions (DFI) consultation on responsible finance agreed on a “to-do” list of six concrete actions for investors.
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Back To The Future Of Performance Reporting On Financial Services

There are at least four lessons that branchless banking stakeholders can take from the MFI experience when it comes to reporting standards.
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Expanding the Funding Horizon for Financial Access

There is broad recognition within the development community that donors have contributed significantly to building microfinance institutions that serve the poor around the world. But isn’t it time donors updated their investment portfolio to reflect new thinking and the new reality on the ground?
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Banking Services Transforming A Town in the Amazon

What do the inhabitants of this small town of 15,000 people (30,000 including surrounding communities) in the Amazon need banking services for?
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Marked Progress in the Transparency of Cross-Border Funding

Transparency on funding for microfinance made significant progress over the last decade. There are strong reasons to believe that transparency contributes to more effective and more responsible funding.
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CGAP and Microfinance Investors: New Questions and Role

MIVs constitute the largest group of MIIs. MIV investment levels quadrupled between 2006 and 2008, and today, according to Symbiotics and MicroRate 2011 MIV surveys, more than 100 MIVs manage total assets of around US$7 billion.
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Public Funders in Branchless Banking

Public funders have been instrumental in promoting and developing the microfinance industry; close to 70% of cross border public funding going into microfinance comes from public sources. Currently, the financial inclusion world is abuzz with excitement about branchless banking and the potential of services like M-PESA in Kenya to dramatically reduce costs and increase access to financial services. Yet branchless banking is a new delivery channel mainly implemented by private stakeholders such as for-profit mobile network operators or commercial banks.