All Publications
Publication
PAYGo PERFORM: Financial, Operational, and Portfolio Quality KPIs for the PAYGo solar industry
With the help of 600 colleagues from the PAYGO offgrid solar sector, a new set of 36 standard metrics covering portfolio quality, unit and firm-level economics, and company operational indicators are available today.Publication
Getting Repaid in Asset Finance: A Guide to Managing Credit Risk
From Sub-Saharan Africa to the Indian Subcontinent, asset finance and leasing companies are doing invaluable, innovative work to finance critical assets for low-income and informal borrowers. But unlike banks and microfinance institutions, many of these companies do not have deep experience in organizing a credit operation, mitigating risk throughout a credit transaction or managing a portfolio of loans or leases.
Publication
Electric Bankers: Utility-Enabled Finance in Sub-Saharan Africa
Without appliances, people cannot make use of electricity. But how can low-income households afford costly electrical appliances? One answer is for utilities to offer consumer financing.Publication
Assets Matter to Poor People
CGAP has undertaken a comprehensive review of the available evidence to understand (i) how asset ownership can lead to improvements in well-being for poor households and (ii) whether obtaining an asset through a loan or lease as opposed to a transfer, grant, or outright purchase affects the benefits associated with ownership.Publication
Testing the Waters: Digital Payments for Water and Sanitation
A growing number of water providers are experimenting with digital payments to reduce operational expenses and streamline service delivery. This paper extracts lessons learned from 25 water providers across Africa, Asia, and Latin America.Reading Deck
Digital Finance for the Real Economy: Introduction
This slide deck describes how digital financial services can contribute to international development across several sectors like energy, water, education and health.Publication
Taming the Strange Beasts: Servicing and the Future of PAYGo
Despite its tremendous promise, the PAYGo industry is still young and challenging. Entrepreneurs and investors should expect and prepare for some failures. To plan for the future and prepare for unpleasant contingencies, there needs to be more focus on loan servicing in the PAYGo sector.Reading Deck
Digital Finance for the Real Economy: Water
Digital financial services have enormous potential to achieve universal access to safe water and sanitation. This presentation is part of a series that synthesizes what we have learned and our insights into the power and challenges of digital finance.Reading Deck
Digital Finance for the Real Economy: Energy
This slidedeck describes how digital finance can help achieve universal access to clean, affordable energy (SDG 7) in three major ways.Reading Deck