Apoyo a las Empresas

Es ampliamente reconocido que los clientes más pobres necesitan más que servicios financieros para superar sus condiciones de pobreza. En primera instancia, es posible que los necesiten para superar los problemas de salud y desnutrición. Posteriormente, ellos pueden afrontar las decisiones complicadas en cuanto a la forma de ganar dinero, ya sea para el desarrollo de nuevas empresas, como  para las tecnologías a adoptar, dónde vender los productos, el modo de reaccionar ante los problemas, cómo manejar múltiples demandas con recursos de dinero limitados y cómo acumular activos para las inversiones en seguridad o más amplias.  Así, una situación ideal sería que los hogares rurales recibieran una combinación coordinada de servicios para mejorar su salud, nutrición, planificación familiar, educación, actividades empresariales de salud y así sucesivamente. Muchas organizaciones para el desarrollo que se han trasladado a la provisión de microfinanzas también proveen otros servicios. Sin embargo, si necesitan  cubrir sus costos y permanecer viables financieramente, se plantean preguntas sobre si los servicios no bancarios pueden ser proporcionados en forma sostenible. Hay una serie de modelos de "crédito con educación" que han tenido mucho alcance. Éstos utilizan métodos grupales para las microfinanzas como una oportunidad para proveer servicios de educación a bajo costo para los clientes. También ha habido un creciente interés en la prestación de servicios del desarrollo empresarial comercial en los últimos años y la experiencia e innovaciones han ido aumentando en este campo.

Library Resources

título del recurso tipo ano recurso
Pathways to prosperity: 2019 rural and agricultural finance state of the sector report Report 2019

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Este recurso aparece en: Apoyo a las Empresas, Business Support Services: General, Agribusiness and enterprise support, Business planning, Equity investments in agribusiness

Despite significant progress in the rural agricultural finance sector, financial service providers are still unable to meet the full USD 240 billion demand of rural households for agricultural and non-agricultural finance. The latest data suggests that providers are currently supplying approximately USD 70 billion. This leaves around USD 170 billion —or 70%—of the global demand for smallholder finance unmet. This gap cuts across all geographic regions and financing types, but is particularly concentrated in long-term agricultural finance, for which 98% of global demand remains unmet. As with the direct-to-smallholder finance market, there is a large gap when it comes to lending to agricultural SMEs. There is no comprehensive global sizing of the demand and supply for lending to agricultural SMEs, but recent analyses have painted a stronger picture of how the market functions and illustrate why—despite agricultural SMEs playing a vital role in economic development—financial service providers limit their lending to these clients.

In recent years, new financing products have begun to penetrate rural markets. These include the rise of lending “innovators”—fintechs and mobile network operators that deliver credit directly to rural households through digital channels, holding the associated credit risk on their own balance sheet. While these innovators have great potential to address customer pain points and reach unserved customer segments, they currently represent a small portion of the lending market. At the same time, there’s been an emergence of new models of agricultural insurance, digital payments, and savings accounts. With greater breadth, depth and innovation in rural financial services than ever before there are new opportunities emerging to close the persistent rural finance gap.

Autor Matt Shakhovskoy of ISF Advisors, and Clara Colina and Mikael Clason Höök of the Mastercard Foundation Rural and Agricultural Finance Learning Lab
Editor The Mastercard Foundation, USAID, and Small Foundation
Número de Páginas 61 pages
Idioma Principal English (en)
Región / País Global
Palabras clave Rural and Agriculture Finance
Recursos Relacionados
Agent Networks at the Last Mile: A Guide for Digital Finance to Reach Rural Customers Document 2019

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Este recurso aparece en: Apoyo a las Empresas, Business Support Services: General, Agribusiness and enterprise support, Business planning, Remittances and payments

Most digital financial services users around the world live in cash-based societies, and they require a cheap and easy way to switch between the worlds of cash and digital currency. Agent networks that provide this service tend to cluster around urban and peri-urban areas and larger rural towns. However, global evidence shows that emerging agent network business models are improving agent viability in remote areas home to many of the world's poor, financially excluded populations. 

Based on an analysis of these models, this report describes six principles for effective cash-in/cash-out agent networks at the last mile and highlights examples of where they are being applied throughout the world. Digital financial services providers, policy makers, and regulators will find concrete recommendations for putting these principles into practice to advance financial inclusion.

Autor Emilio Hernandez
Editor CGAP
Número de Páginas 32 pages
Idioma Principal English (en)
Región / País Global
Palabras clave Business and markets, Distribution, Payments
Recursos Relacionados
Is Data Privacy Good for Business? Technical Note 2019

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Este recurso aparece en: Apoyo a las Empresas, Business Support Services: General, Agribusiness and enterprise support, Business planning, ICT applications

As digital financial services grow rapidly, so do concerns over data privacy and protection especially for poor customers who are particularly vulnerable to abuses and injury from lax data policies. CGAP set out to test how much poor people value their data privacy and whether there was a business case for financial services providers to offer better data protection. The results from six experiments in Kenya and India make the case that customers will choose products with data policy and protection features built in, and they are willing to pay for them. This opens an avenue for voluntary self-regulation in markets that do not have strong consumer protection and data policies in place.

Autor Maria Fernandez Vidal and David Medine
Editor Consultative Group to Assist the Poor (CGAP)
Número de Páginas 12 pages
Idioma Principal English (en)
Región / País Global
Palabras clave Customers, Donors and Investors, Business and markets, South Asia, Sub-Saharan Africa, Kenya, India
Recursos Relacionados
Estrategias de retención de Asesores/as de Crédito en organizaciones de finanzas populares Paper 2015

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Este recurso aparece en: Apoyo a las Empresas

El estudio identifica las estrategias de retención que implementan las organizaciones de finanzas populares que conforman la Red Financiera Rural con el fin de  garantizar la permanencia de sus asesores de crédito. La investigación fue descriptiva,  utilizó a cuatro organizaciones sin fines de lucro como universo de estudio y a 15 asesores/as de crédito como unidad de análisis. Para la recolección de información se utilizaron cuestionarios aplicados a las direcciones de talento humano al equipo de asesores de crédito cuya principal contraparte es en gran medida la población rural, para en base a ello identificar la existencia de estrategias de retención orientadas a este grupo, los elementos que las integran, así como las expectativas de los asesores/as de crédito en torno a la existencia y definición de estrategias de retención.

Autor Vaca Espín, M. A.
Editor Universidad de Belgrano
Número de Páginas 134
Idioma Principal Spanish (es)
Región / País Global, South America
Ecuador
Palabras clave Ecuador, Asesores de Crédito
Recursos Relacionados
Case Study: The Return on Investment from Technoserve's Coffee Initiative Case Study 2015

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Este recurso aparece en: Apoyo a las Empresas

 

This Initiative for Smallholder Finance briefing is the ninth in a series about catalyzing smallholder finance. In our previous two briefing notes, we offered an overview of the anatomy of the market for agricultural technical assistance in developing countries and discussed the linkages between technical assistance and smallholder financing. Those briefings emphasized the importance of increasing coordination among actors to improve knowledge transfer, share best practices and lessons learned, and improve the quality of technical assistance delivery. 

In that spirit, this briefing offers a case study of a TechnoServe project aiming to increase incomes of smallholder coffee farmers in East Africa. Although the project was complex and produced many lessons to share, this briefing focuses in particular on the value of technical assistance to increase access to finance, crowd-in the private sector, achieve scale, and generate value for an industry. 

Autor The Initiative for Smallholder Finance
Editor The Initiative for Smallholder Finance
Número de Páginas 10 p.
Idioma Principal English (en)
Región / País Global
Palabras clave return on investment, Agricultural Finance, Agribusiness Finance, Access To Finance
Recursos Relacionados
Technical Assistance for Smallholder Farmers: An Anatomy of the Market Brief 2014

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Este recurso aparece en: Apoyo a las Empresas

This Initiative for Smallholder Finance briefing is the seventh in a series about catalyzing smallholder finance, and presents an overview of the different forms of technical assistance for farmers in the developing world. Technical assistance is critical to smallholder financing because it is the nearest adjacent market and has complementary linkages to financing. A forthcoming briefing will discuss these linkages to financing in more detail. 

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