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Too Much Microcredit? A Survey of the Evidence on Over-Indebtedness
This paper is written primarily for microlenders and the institutions that fund them. We examine conceptual issues and the limited empirical evidence about over-indebtedness in microcredit markets.Publication
Consumer Protection Laws and Regulations in Deposit and Loan Services
This paper presents the results of a survey on consumer protection regulations in 142 countries. It also compiles comprehensive information on laws and regulations relevant for consumer protection and discusses a number of challenges related to empirical analyses of financial consumer protection to enable crosscountry comparison.Publication
Implementing the Client Protection Principles
This second edition reflects the developments in implementation and practices of the Client Protection Principles into investors’ policies and processes over the past year.Publication
Andhra Pradesh 2010
The crisis that erupted in the Indian State of Andhra Pradesh in early October 2010 hit at the epicenter of microfinance in India and has implications there, across the country, and globally.Publication
Protecting Branchless Banking Consumers
Transformational branchless banking heightens the consumer-related concerns of regulators and supervisors because it combines the use of agents and technology-enabled devices to serve large numbers of less educated and inexperienced customers.Publication
Branchless Banking 2010: Who’s Served? At What Price? What’s Next?
Many in the private sector believe reaching large numbers of mass market clients is a precondition to large-scale profits, but at the same time, they are uncertain about how quickly branchless banking will gain traction with the unbanked, low-income clients who make up the mass market.Publication
Indian Microfinance Goes Public: The SKS Initial Public Offering
On 28 July 2010 SKS, India’s largest microfinance institution (MFI) with 5.8 million clients, became the first MFI in India to float its shares through an initial public offering (IPO).Publication
Nonbank E-Money Issuers
The success of Kenya’s M-PESA has raised the question of how most effectively to regulate nonbanks who contract directly with customers to issue electronic value against receipt of equal funds.Publication
Financial Inclusion and Consumer Protection in Peru
CGAP partnered with the Superintendence of Banks, Insurance and AFPs of Peru in late 2008, with the purpose of enhancing the understanding of the issues and trends in consumer relations when financial services are delivered through branchless banking, particularly through agents, which are used in ever increasing scale in Peru.Publication