Recent Blogs
Blog
Perplexed about Overindebtedness, Part 2
“Indebtedness” refers to loan obligations—that’s easy enough. And the “over” part means too much. But too much from whose perspective?Blog
Mobile Banking in India: Grass-Roots Marketing
A notable difference in the role of banking agents (also called Customer Service Providers or CSPs) in India compared to other countries is that the agents are responsible for customer acquisition in addition to processing transactions.Blog
India: Agent Management to Sort Winners from Losers
The regulatory changes made in India last year have uncorked a stream of new branchless banking launches. Three new providers have or are just about to go to market.Blog
Perplexed about Over-Indebtedness – Part 1
The core practical question is, “how can we figure out whether there is serious over-indebtedness in a given microfinance market?”Blog
How to Tell Good MFIs from Bad MFIs
Most of us working in microfinance want microloan clients to be paying interest rates that are as low as possible. While we have the same vision, there is disagreement about how to determine whether an interest rate is an appropriate one.Blog
Rules of the Road for Branchless Banking in the Year 2020
What is the key purpose of having a scenarios session for policymakers during this seminar? The key has been to get people to focus on what the consequences of certain policy directives might have on how much – or how little – branchless banking truly increases access to financial services for the unbanked poor in the next decade.Blog
Are MFIs in India Overvalued?
Opportunities for reasonably-valued equity investments still remain, but the majority of recent transactions by foreign-owned funds suggest that finding such opportunities is not necessarily an easy task.Blog
Nationwide Impact of Agents in Brazil
These insights come from a recent mission to Brazil to look at the business case for agents (termed “banking correspondents” in Brazil) and good practice for building a viable agent network.Blog
The Internet and Mobile Money – Scenarios for 2020
In 2009, CGAP and DFID talked with over 200 technology and finance leaders from 30 countries to determine how branchless banking, including mobile banking, might look in the year 2020.Blog
What Is Che Guevara Doing in this Bank?
We often think of branchless banking without looking at the nonprofits working in the community for social and economic development.Blog
Crime and Mobile Banking – Scenarios for 2020
The risk and cost of cash crime is an important force on the demand side—driving customer adoption of electronic forms of payment—as well as affecting the business case of providers.Blog
Branchless Banking: The Test and See Approach
When it comes to regulating branchless banking, some regulators believe they need to spend a lot of time and energy in developing a comprehensive framework. But putting in place extensive regulations without first observing and understanding how the market is developing can often result in a regulatory framework that is ill-tailored to the risks involved.Blog
Branchless Banking in Brazil: Making it Work for Small Merchants
The agent economics around branchless banking can be a complicated subject.Blog
Does Branchless Banking Empower the Poor?
One segment of society that has directly benefited from banking agents are older people who receive monthly pensions.Blog
Does Microcredit Really Help the Poor? Take II
When people think about “getting out of poverty,” they are usually thinking in terms of income and/or consumption.Blog
The Perils of Uncontrolled Growth
The causes of the delinquency crisis are well known and can be summarized in two words: unsustainable growth.Blog
Scenarios for 2020
How can government and private sector most affect the uptake and usage of branchless banking among the unserved majority by 2020?Blog
Does Microcredit Really Help Poor People?
Since microcredit first came to public attention in the 1980′s, the usual story line has been that it funds creation and expansion of microenterprises, producing additional income that lifts the borrowers’ households out of poverty. But is it true?Blog
Is 95% a Good Collection Rate?
For most MFIs a collection rate of 95% would be unsustainable: at that level, delinquency will have already spun of control and the institution won’t be around much longer unless drastic action is taken to improve collection quickly.Blog