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Publication

Building Rural Women’s Climate Resilience: Seven Business Drivers Delivering Commercial Value

As climate pressures rise, strengthening rural women’s resilience is critical for their livelihoods and for the long-term viability of the rural businesses that serve them. Through ABERA (Accelerating Business to Empower Rural Women in Agriculture), a CGAP and IDH collaboration, this paper identifies seven practical business drivers that simultaneously strengthen rural women’s climate resilience and business performance.
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Diagnosing Gender Norms in the Financial Market System: A Practical Guide

CGAP’s Diagnostic Guide helps development actors move beyond symptoms to address the root causes of women’s financial exclusion. This guide introduces a structured, field-tested approach to uncover how gender norms shape market actor behavior and offers practitioners a powerful set of tools for examining norms-driven constraints and identifying high impact intervention points.
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Responsible Digital Credit: Frontier Solutions for Authorities and Providers

CGAP compiles over 160 global initiatives that address consumer risks in digital credit, from overindebtedness to data misuse. Designed for authorities, providers, and support organizations, this Technical Guide offers a roadmap of solutions to build more customer-centric, risk-conscious and responsible digital credit ecosystems.
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Gender-Smart Market Mapping for Nano and Micro Enterprises: A Practical Guide

Segmentation and market sizing helps in allocating development efforts, guide investments, and identify policy gaps for women-led nano and micro enterprises (WNME). This technical guide offers steps to understand the WNME landscape, design targeted products, and foster inclusivity for growth.
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How To Measure Women’s Economic Empowerment in Financial Inclusion: A Menu of Indicators

This paper introduces a menu of 19 indicators to measure Women's Economic Empowerment (WEE) through increased financial inclusion. Developed with experts and the FinEquity community, it provides actionable guidance for stakeholders to assess and track WEE outcomes, generating evidence to drive more effective financial inclusion interventions across diverse contexts.
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Innovative Financing for Inclusive Credit Fintechs in Africa

This focus note explores innovative financing strategies for inclusive credit fintechs in Africa, identifying knowledge gaps and highlighting digital innovations in MSE credit markets.
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Inclusive Fintech: How Startups are Bridging the Finance Gap for Microenterprises

This focus note features a range of case studies based on CGAP's research and highlights the potential and actual impacts of microenterprise fintech models.
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The Role of Data in Inclusive Insurance

With 3.8 billion people in emerging markets lacking adequate insurance coverage, data plays a crucial role in enabling insurers to comprehend these segments' specific needs and risk profiles. This, in turn, helps develop more accurate risk assessment and pricing models for inclusive insurance offerings.
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Open Finance Self-Assessment Tool and Development Roadmap

This technical guide introduces the open finance self-assessment tool and development roadmap. It provides practical tools for policymakers to use to decide whether to implement an open finance regime to advance financial inclusion and outline a development roadmap to guide the implementation process.
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Gender-Intentional Credit Scoring

Evidence shows women often demonstrate higher loan repayment rates than men, suggesting they are lower-risk borrowers yet face higher barriers to loan approval. This guide introduces a gender-lens analytical framework for lenders to determine whether lending decisions and outcomes in their portfolios differ by gender and, if so, how.