Publications

Displaying 1 - 10 of 33 results for "Financial Services".

Thriving in Last Mile Markets

As firms seek new avenues for growth in emerging markets – strategies for tapping into “new
and underserved” markets have been on the radar of almost every major mass-market focused
firm. Comprising both urban slums and rural areas, these markets are exciting to firms, and for
good reason.

Approximately 4.5 billion low-income people globally represent an annual
purchasing capacity of US$ 5 trillion (PPP), with India, East Africa and South East Asia
accounting for a sizable chunk of this market.

Published: 
April, 2016

Financial Inclusion: Inverting The mMoney Approach

Sixty per cent of the population in India does not have a bank account, and more than 50% farmers in the country do not get access to any kind of institutional credit. Setting-up and operating a bank branch is very expensive and challenging. Service providers and financial institutions have experimented with multiple technology platforms, but the platform that seems to have attracted the most attention has been the mobile phone. Despite mobile phones being ubiquitous, the potential growth of financial inclusion through mobile phones (mobile money) has been very slow and patchy. 

Published: 
September, 2013

Solutions for the Poorest: Insights on Savings Behavior of Clients

The Livelihood Pathways for the Poorest project, implemented in Gaya District, Bihar, India, with support from the Rockefeller Foundation, aimed to demonstrate a model that could help the ultra-poor escape poverty through the provision of integrated financial, livelihood and risk management services. Savings mobilization formed the core of the project and anchored crucial activities, such as linkages with formal financial institutions and the introduction of income generating activities.

Published: 
April, 2013

IntelleCash-Arohan: Leading the Way in Consolidating the Microfinance Industry in India

On September 14, 2012, IntelleCash Microfinance Network Company (IntelleCash) announced that it had taken a majority stake in Arohan Financial Services (Arohan) and would consolidate the two businesses. We believe that the IntelleCash/Arohan transaction represents the “leading edge” of what is likely to be a growing trend toward consolidation in the Indian microfinance industry. As the industry slowly recovers and grows post the AP crisis, the new regulatory environment and the need for MFIs to be larger and more efficient will be primary drivers of this consolidation trend.

 

Published: 
October, 2012

Micro, Small and Medium Enterprise Finance Market in India

The Micro, Small and Medium Enterprise sector is crucial to India's economy.Although 95% of Micro, Small and Medium Enterprise units are informal in nature, the contribution of the sector to India's GDP has been growing consistently at 11% per annum, higher than overall GDP growth of 7-8% . Poor infrastructure and inadequate market linkages are among key factors that have constrained the growth of the sector. However, lack of adequate and timely access to finance has continued to be the biggest challenge.

Published: 
August, 2012

Indian Microfinance: Looking Beyond The AP Act and its Devastating Impact on the Poor

In December 2010 the Government of Andhra Pradesh (“AP”) passed a law (the “AP Act”, originally conceived in October 2010) which effectively shut down private sector microfinance in the State. The AP Government stated that its goal was to protect the poor. Now, 18 months later, the impact of the AP Act is clear: rather than protecting the poor, it has had the opposite effect, harming the poor by starving them of access to credit and basic financial services.

A study by Legatum Ventures, with contributions from Intellecap.

Published: 
March, 2012

Beyond Profit Issue 20: An Inclusive World

Beyond Profit was a social enterprise magazine launched by Intellecap in 2009 to present the stories, people and ideas behind innovative social enterprises. It brought together first-hand insights and expert commentary across Intellecap's Focus Sectors and related themes. This issue of Beyond Profit looks at some of the challenges that face disabled people and how social enterprises are working to redress those.

Published: 
June, 2011

Beyond Profit Issue 19: The New Microfinance

Beyond Profit was a social enterprise magazine launched by Intellecap in 2009 to present the stories, people and ideas behind innovative social enterprises. It brought together first-hand insights and expert commentary across Intellecap's Focus Sectors and related themes. This issue of Beyond Profit looks at Indian microfinance in the aftermath of the October 2010 Andhra Pradesh Microfinance crisis.

Published: 
June, 2011

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