Research & Analysis

Regulatory Options to Curb Debt Stress

This Focus Note argues that it is preferable to implement appropriate monitoring mechanisms and regulatory interventions at an early stage in credit market development, to detect potential debt stress and prevent reckless lending practices, thereby avoiding risks to financial markets, consumers, and the regulator’s credibility.

The Power of Social Networks to Drive Mobile Money Adoption

The rate of mobile money (MM) adoption among poor people remains low. However, the mechanisms driving adoption are similar to those of other segments. This analysis revealed that social networks and social interactions influence mobile money uptake.

Rural Adoption of Mobile Payments in Oaxaca, Mexico

Incentives for the Introduction of Agents in Colombia

In August 2006, 309 out of 1,100 municipalities in Colombia did not have the presence of a bank. Today 99% of all municipalities have access to financial services thanks to increased coverage by agents. Incentives offered by Banca de las Oportunidades were essential in expanding this access.

An Overview of the G2P Payments Sector in Pakistan

Pakistan is becoming a laboratory for G2P payment innovations. This report by CGAP discusses the G2P payments sector in Pakistan and demonstrates how social transfers can help bring poor people into the formal financial system.

Landscaping Report: Financial Inclusion in Russia

This Landscaping Report on the state of financial inclusion in Russia is based on CGAP’s research conducted during April – September 2012.

Microfinance in Myanmar: Sector Assessment

The report finds that Myanmar’s banking sector so far has found it commercially challenging to extend financial access to the poor. As a result, fewer than 20 people out of 100 have access to formal financial services, with most people relying on family savings or costly alternatives such as informal money lenders.

Current Trends in Cross-Border Funding for Microfinance

In 2011, cross-border funders committed at least US$25 billion to microfinance or financial services for the poor. CGAP research shows that levels of cross-border funding continued to increase despite the global financial crisis and strained national budgets, but at a much lower growth rate.

2012 Survey on Cross-border Funding for Microfinance

Portfolio Reviews: Resource Guide for Funders

This Technical Guide presents the portfolio review as an evaluation method that can help funders learn from what they fund.