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More than one billion people still live below the poverty line -
most of them in South Asia and Sub-Saharan Africa. Financial
inclusion is a major issue, as more than three-quarters of the
numbers of poor and disadvantaged women and men do not have access
to financial products and services, such as bank accounts,
affordable and suitable loans, and insurance. The key objective of
this book is to provide practical case studies of financial
inclusion, rather than focus on academic debates such as the
ideological basis of promoting microfinance. Using the recently
adopted Sustainable Development Goals as an overall framing of the
issues, it shows how poor and disadvantaged women and men can be
bankable if the right facilitation for maximizing opportunities and
addressing constraints are in place. Case studies confirm that
achieving inclusive and sustainable access to financial products
and services goes beyond simply enabling poor and disadvantaged
women and men to have access to credit, or the ability to open a
bank account. Examples from Africa, Asia and Latin America
demonstrate encouraging progress in making microcredit accessible
to millions of poor people. The foremost challenge, however, has
been to ensure that they have access to, and usage intensity of,
suitable and affordable financial products and services that meet
the needs of their livelihoods as well as risks and mitigation
strategies. This requires understanding that poor and disadvantaged
women and men do not exist in isolation from complex and
interdependent functions in the financial system, which includes a
number of actors, diversified services, constraints (not just
symptoms) and capacities and incentives. Overall, the book provides
a rich source of examples of how building inclusive financial
systems can empower the world's poor - by increasing income and
employment opportunities, securing livelihoods and reducing
poverty.
More than one billion people still live below the poverty line -
most of them in South Asia and Sub-Saharan Africa. Financial
inclusion is a major issue, as more than three-quarters of the
numbers of poor and disadvantaged women and men do not have access
to financial products and services, such as bank accounts,
affordable and suitable loans, and insurance. The key objective of
this book is to provide practical case studies of financial
inclusion, rather than focus on academic debates such as the
ideological basis of promoting microfinance. Using the recently
adopted Sustainable Development Goals as an overall framing of the
issues, it shows how poor and disadvantaged women and men can be
bankable if the right facilitation for maximizing opportunities and
addressing constraints are in place. Case studies confirm that
achieving inclusive and sustainable access to financial products
and services goes beyond simply enabling poor and disadvantaged
women and men to have access to credit, or the ability to open a
bank account. Examples from Africa, Asia and Latin America
demonstrate encouraging progress in making microcredit accessible
to millions of poor people. The foremost challenge, however, has
been to ensure that they have access to, and usage intensity of,
suitable and affordable financial products and services that meet
the needs of their livelihoods as well as risks and mitigation
strategies. This requires understanding that poor and disadvantaged
women and men do not exist in isolation from complex and
interdependent functions in the financial system, which includes a
number of actors, diversified services, constraints (not just
symptoms) and capacities and incentives. Overall, the book provides
a rich source of examples of how building inclusive financial
systems can empower the world's poor - by increasing income and
employment opportunities, securing livelihoods and reducing
poverty.
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