Trends/Challenges | MicroCapital
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Monday, April 7, 2014

MICROCAPITAL BRIEF: Microfinance Market in Sudan Reaches 700k Borrowers, $352m in Funding

The Sudan Vision, a Sudanese daily newspaper, recently reported that, as of the end of 2013, the outreach of the country’s microfinance sector had grown to approximately 700,000 borrowers, up from approximately 490,000 the year before and 244,000 in 2011. Continue Reading »

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Tuesday, April 1, 2014

MICROFINANCE PUBLICATION ROUND-UP: Government Efforts to Achieve Financial Inclusion in India; Index-based Insurance in South, Southeast Asia; Microinsurance Claims Management

“Report of the Committee on Comprehensive Financial Services for Small Businesses and Low Income Households;” published by the Reserve Bank of India (RBI); December 31, 2013; 247 pages; available at http://rbidocs.rbi.org.in/rdocs/PublicationReport/Pdfs/CFS070114RFL.pdf

This report was authored by the Committee on Comprehensive Financial Services for Small Businesses and Low Income Households, which was appointed by the Reserve Bank of India (RBI) in September 2013 to propose measures for increasing access to financial services in India. Continue Reading »

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Tuesday, April 1, 2014

MICROFINANCE EVENT: DC Microfinance Meetup to Host “Fireside Chat with Ben Powell, Founder and CEO, Agora Partnerships,” April 7, 2014, Washington, DC, USA

Event Name: Fireside Chat with Ben Powell, Founder and CEO, Agora Partnerships

Event Date: April 7, 2014

Event Location: 1776 Startup Incubator, Washington, DC, USA Continue Reading »

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Tuesday, March 25, 2014

MICROFINANCE PUBLICATION ROUND-UP: Women and Mobile Financial Services in Uganda; Quantitative Poverty Scoring Methods; European Investment Bank’s Rural Impulse Fund II Symposium in Africa

“Research on Women and Usability of Mobile Financial Services in Uganda;” published by Grameen Foundation; February 2014; 40 pages; available at http://www.grameenfoundation.org/resource/use-mobile-financial-services-among-poor-women

This presentation gives an overview of the Uganda-specific results of a series of studies undertaken by the US-based nonprofit Grameen Foundation with the goal of understanding how mobile-phone usability, or lack thereof, impacts the ability of poor women to access mobile financial services in India, the Philippines and Uganda. Continue Reading »

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Saturday, March 22, 2014

OPINION: No Silver Bullet: While Microfinance Alone Won’t End Poverty, It Is Making an Impact – So Let’s Re-focus It to Serve the Poor

The debate about the contributions that microfinance is making to global poverty alleviation is an interesting one. But it’s also getting a little tedious.

We are all disappointed that microfinance has not, as the popular culture has promoted it, proven to be the “silver bullet” for poverty alleviation. If, however, we challenge ourselves to really understand (and be transparent about) the strengths and limitations of microfinance, and begin to think about it as just one part of a more comprehensive package of development services, the debate (and potential for impact) becomes much more interesting. Continue Reading »

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Thursday, March 20, 2014

MICROCAPITAL BRIEF: Government of Jamaica Introduces SIPP Registry of Collateral, “Super Form” for Business Registration to Support Micro-, Small, Medium-Sized Enterprises (MSMEs)

The government of Jamaica has initiated the implementation of the Security Interests in Personal Property (SIPP) Registry to facilitate financial access for micro-, small and medium-sized enterprises (MSMEs) by supporting the use of non-real estate assets, including movable items, as collateral [1][2]. Continue Reading »

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Wednesday, March 12, 2014

MICROFINANCE PAPER WRAP-UP: “Using Subsidies for Inclusive Insurance: Lessons from Agriculture and Health;” by Ruth Vargas Hill, Gissele Gajate-Garrido, Caroline Phily, and Aparna Dalal; Published by International Labour Organization

“Using Subsidies for Inclusive Insurance: Lessons from Agriculture and Health;” by Ruth Vargas Hill, Gissele Gajate-Garrido, Caroline Phily, and Aparna Dalal; published by International Labour Organization; January 2014; 55 pages; available at http://www.microinsurancefacility.org/publications/mp29

This report was published by the Microinsurance Innovation Facility, a nonprofit research institution housed within the UN’s International Labour Organization (ILO) that promotes the development of insurance products and risk-mitigation markets in developing economies. Continue Reading »

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Thursday, March 6, 2014

MICROCAPITAL BRIEF: Mobile Telecommunications Limited (MTC), MobiPay to Launch “MTC Money” in Namibia

Mobile Telecommunications Limited (MTC), a Namibia-based mobile network operator controlled by the government-owned Namibia Post and Telecommunications Holdings and privately-owned Portugal Telecom, reportedly has partnered with the Bank of Namibia’s mobile payment service MobiPay to launch MTC Money. Continue Reading »

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Wednesday, February 26, 2014

MICROFINANCE PUBLICATION ROUND-UP: Inclusix Index of Financial Inclusion in India; Obstacles to Access in Microinsurance; Microfinance in Kenya

“CRISIL Inclusix: An index to measure India’s progress on Financial Inclusion;” published by Credit Rating Information Services of India Limited (CRISIL); June 2013; 101 pages; available at http://crisil.com/pdf/corporate/CRISIL-Inclusix.pdf

Based on data from 2009 through 2011, this report gives an overview of the findings of the CRISIL Inclusix index, an analytical tool designed by Credit Rating Information Services of India Limited (CRISIL) to measure progress in financial inclusion in India at the national, regional, state and district levels. Continue Reading »

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Sunday, February 16, 2014

MICROCAPITAL BRIEF: Bank of Uganda Issues Mobile Money Guidelines Intended to Prevent Fraud, Increase Efficiency

The Bank of Uganda (BoU), the country’s central bank, has issued a set of mobile money guidelines aimed at regulating mobile money services in the country [1]. Continue Reading »

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Wednesday, February 12, 2014

MICROFINANCE PUBLICATION ROUND-UP: Microcredit Interest Rate Determinants; Mobile Phones and Microinsurance; Health Financing Through Gifts and Remittances in Kenya

“Microcredit Interest Rates and Their Determinants 2004-2011;” by Richard Rosenberg, Scott Gaul, William Ford and Olga Tomilova; published by CGAP (Consultative Group to Assist the Poor); June 2013; 32 pages; available at http://www.cgap.org/sites/default/files/Forum-Microcredit-Interest-Rates-and-Their-Determinants-June-2013_1.pdf

This study explores the factors affecting the determination of interest rates that microfinance institutions (MFIs) charge their customers by analyzing financial data reported from 2004 to 2011 by MFIs to the Microfinance Information Exchange (MIX), a US-based nonprofit data provider. Continue Reading »

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Monday, February 10, 2014

MICROCAPITAL BRIEF: Owner of Mibanco, Grupo Accion Comunitaria del Peru (ACP) Breaches Debt Covenant; Entire Peruvian Microfinance Sector Under Strain?

Grupo Accion Comunitaria del Peru (ACP), a Peruvian nonprofit holding company that is the majority shareholder of Peruvian microfinance institution (MFI) Mibanco, recently breached a covenant on a 10-year USD 85 million corporate bond due in 2021, resulting in a downgrade of its credit rating by Fitch, a US-based rating agency. Continue Reading »

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Wednesday, February 5, 2014

MICROCAPITAL BRIEF: Chinese Internet Companies Alibaba, Baidu Offer Financial Services Through Subsidiaries Yu’e Bao, Baifa

Internet companies in China reportedly are increasing financial inclusion through services such as Yu’e Bao, an online savings and investment product of e-commerce player Alibaba Group, and Baifa, an online “wealth management” product launched by search engine Baidu [1]. Continue Reading »

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Tuesday, February 4, 2014

MICROFINANCE EVENT: Incofin Investment Management to Host “Microfinance Does Work,” February 11, 2014, Brussels, Belgium

Event Name: Microfinance Does Work

Event Date: March 12, 2014

Event Location: The Kaaitheater, Brussels, Belgium Continue Reading »

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Tuesday, February 4, 2014

MICROFINANCE PUBLICATION ROUND-UP: Effectiveness of Microfinance in Cambodia; Scaling Up in Agriculture and Development; Mobile Savings in Ecuador

“AMK Cambodia – Have AMK loans helped its clients improve their overall wellbeing?”, published by Angkor Mikroheranhvatho Kampuchea (AMK); January 2014; 12 pages; available at https://www.incofin.com/sites/default/files/attachments/newsitems/Change%20Study_AMK_2014.pdf

This report explores the results of a five-year study of the effectiveness of Angkor Mikroheranhvatho Kampuchea (AMK), a Cambodian microfinance institution, in helping increase its clients’ livelihoods through microcredit services. Continue Reading »

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Monday, February 3, 2014

MICROCAPITAL BRIEF: Student Microfinance Movement “Month of Microfinance” to Promote Dialogue about Client-centered Microfinance During April 2014

The Student Microfinance Movement, a US-based network of student organizations, recently announced that it will celebrate its annual “Month of Microfinance” during April 2014. Continue Reading »

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Tuesday, January 28, 2014

MICROFINANCE PUBLICATION ROUND-UP: Funding Trends for Inclusive Finance; Developments in Agricultural Microinsurance; Financial Inclusion in South Africa: Survey Results

Trends in International Funding for Financial Inclusion;” by Edlira Dashi, Estelle Lahaye and Ralitsa Rizvanolli; published by CGAP (Consultative Group to Assist the Poor); December 2013; 4 pages; available at http://www.cgap.org/sites/default/files/Brief-Trends-in-International-Funding-for-Financial-Inclusion-Dec-2013.pdf

This report explores qualitative and quantitative data reflecting trends in the public and private capitalization of financial service providers offering inclusive finance products and services. Continue Reading »

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Tuesday, January 28, 2014

MICROCAPITAL BRIEF: Applications Open for Vodafone Americas Foundation’s $600,000 Wireless Innovation Project Contest

Vodafone Americas Foundation, a US-based subsidiary of UK-based Vodafone Group, has devised the Wireless Innovation Project, a contest to encourage the implementation of wireless technology to tackle social issues across the globe. Continue Reading »

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