Category Archives: Access to Finance

Leaders in Data for Development Join Dalberg

Dalberg Data Insights to help bridge the data gaps in global development A lack of robust data is often a critical barrier to crafting evidence-based policy, directing resources effectively and designing programs to tackle important development challenges. The newly launched … Continue reading

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A Group of Visionaries Turn a Dream into Reality

By Francine Ndong On International Women’s Day, we celebrate the achievements of the Women’s Investment Club Senegal over the past year, and look forward to expanding the initiative across Francophone West Africa. Who would have thought that a simple lunch meeting … Continue reading

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The Five-Minute Loan: How India Stack is Speeding Loans to Small Businesses

By Niloufer Memon, Vibhor Goyal, and Varad Pande We recently met Ajay, a fruit vendor in Mumbai who struggles to pay the 60 percent annual interest rate on a loan from his local money lender. Ajay was saddled with this debt, … Continue reading

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User-centred Financial Inclusion

In Live Mint, Varad Pande and Nirat Bhatnagar explain why digital financial services should be tailored to the habits of the underserved. While financial service firms in India are beginning to explore digitizing their services and products for the BoP, two key dilemmas – user-experience … Continue reading

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Financial Inclusion Fit to Size: Customizing Digital Credit for Smallholder Farmers in Tanzania

For the fourteenth briefing note in a series from the Initiative for Smallholder Finance, Dalberg’s Design Impact Group (DIG) explores the causes of low uptake in digital credit for smallholders to better understand how we can develop concrete product solutions to jump-start adoption … Continue reading

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How Does Digital Technology Make Lending to Farmers More Viable? (Early Findings)

The Learning Lab – an initiative of The MasterCard Foundation, jointly implemented by GDI and Dalberg –  is researching the Business case for digitally-enabled smallholder finance, specifically: what role do digital tools play in successful business models for lending to … Continue reading

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New Report: Small Merchants Offer Big Financial Inclusion Opportunities

There are more than 180 million micro and small merchants operating in developing and emerging markets globally. These merchants serve the world’s lowest income customers at a scale that is staggering. Every day, small merchants interact with more than 4.5 … Continue reading

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Deals That Can Break Poverty Cycle Afflicting Smallholder Farmers

By Edel Were It’s one of the most widespread mantras of Africa’s economic development: unlocking smallholder farmer potential will secure Africa’s food production and improve the livelihoods of millions… if only farmers had fool proof ways to increase productivity and … Continue reading

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Borrowing and Saving – Not Two Sides of the Same Coin

By Dalberg’s Michael Mori, and ACCION International’s Elisabeth Rhyne From a mathematical point of view, borrowing and saving are mirror images. In both cases many small payments allow for one or more large payouts. Only the sequence differs. Stuart Rutherford’s classic … Continue reading

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Going Beyond Supply and Demand – The Role of Business in Socio-cultural Interventions to Increase Women’s Access to Finance

By Tania Beard and Shruthi Jayaram  By now, we know that women – especially in the developing world – have less access to finance than men.  Business has an important role in leveling the playing field through interventions aimed at … Continue reading

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