Services de soutien aux entreprises

Il est largement reconnu que les clients pauvres ont besoin de plus que le financement pour sortir de conditions de pauvreté. Dans le premier cas ils peuvent avoir besoin de surmonter les problèmes de santé et la malnutrition. Ensuite, ils peuvent avoir des décisions complexes à prendre en termes de comment gagner de l'argent, que ce soit pour développer de nouvelles entreprises, les technologies à adopter, où vendre des produits, comment réagir aux problèmes, comment gérer les demandes multiples sur les ressources de trésorerie limitées, et comment accumuler des actifs pour les investissements de sécurité ou plus. Dans une situation idéale, les ménages ruraux reçoivent une combinaison coordonnée de services pour améliorer leurs santé et nutrition, la planification familiale, l'éducation, les activités commerciales, entre autres choses. De nombreuses organisations de développement qui ont déménagé dans la fourniture de microfinance fournissent aussi d'autres services. Cependant, s’ils ont besoin de couvrir leurs coûts et rester financièrement viable, il faut évaluer si les services non bancaires peuvent être fournis sur une base durable. Il y a un certain nombre des modèles de "Crédit avec Education", qui utilisent une approche groupale pour livrer des services de la microfinance et s’en profit pour fournir des services d'éducation à faible coût pour les clients. Il y a également un intérêt et expérience croissant à fournir des services d’appui aux entreprises.

Library Resources

titre de la ressource type année ressource
Pathways to prosperity: 2019 rural and agricultural finance state of the sector report Report 2019

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Cette ressource apparaît dans: Services de soutien aux entreprises, 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.

Auteur Matt Shakhovskoy of ISF Advisors, and Clara Colina and Mikael Clason Höök of the Mastercard Foundation Rural and Agricultural Finance Learning Lab
Éditeur The Mastercard Foundation, USAID, and Small Foundation
Nombre de pages 61 pages
Langue principale English (en)
Région / Pays Global
Mots-clés Rural and Agriculture Finance
Ressources connexes
Agent Networks at the Last Mile: A Guide for Digital Finance to Reach Rural Customers Document 2019

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Cette ressource apparaît dans: Services de soutien aux entreprises, 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.

Estrategias de retención de Asesores/as de Crédito en organizaciones de finanzas populares Paper 2015

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Cette ressource apparaît dans: Services de soutien aux entreprises

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.

Auteur Vaca Espín, M. A.
Éditeur Universidad de Belgrano
Nombre de pages 134
Langue principale Spanish (es)
Région / Pays Global, South America
Ecuador
Mots-clés Ecuador, Asesores de Crédito
Ressources connexes
Case Study: The Return on Investment from Technoserve's Coffee Initiative Case Study 2015

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Cette ressource apparaît dans: Services de soutien aux entreprises

 

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. 

Auteur The Initiative for Smallholder Finance
Éditeur The Initiative for Smallholder Finance
Nombre de pages 10 p.
Langue principale English (en)
Région / Pays Global
Mots-clés return on investment, Agricultural Finance, Agribusiness Finance, Access To Finance
Ressources connexes
Technical Assistance for Smallholder Farmers: An Anatomy of the Market Brief 2014

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Cette ressource apparaît dans: Services de soutien aux entreprises

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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