Midiendo la inclusión financiera: discrepancias en los resultados

Por: Juan David Reyes, Fermin Vivanco y Claudia Gutiérrez. Versión en inglés en el blog de ProSavings.

En agosto de 2012,  contamos en un blog cómo el FOMIN y la Unidad de Inclusión Financiera del Ministerio de Desarrollo Social de Chile estaba desarrollando una metodología de diagnóstico y medición de inclusión financiera. Mientras avanzamos en el diseño de una encuesta de inclusión financiera - con el apoyo de la firma consultora Analistas Financieros Internacionales (AFI) y la guía del equipo a cargo de la Encuesta de Caracterización Socioeconómico Nacional (CASEN) del Ministerio – estamos muy atentos a otros esfuerzos de medición de la inclusión financiera en la región. Una pregunta que nos surge es ¿cómo asegurar que las mediciones que realicemos sean comparables con los resultados existentes?

miércoles, 8 de mayo de 2013/Author: Fermín Vivanco/Number of views (4400)/Comments (0)/ Article rating: No rating

Mapping the Savings Groups’ Experiences across Latin America and the Caribbean


crossposted from ProSavings blog

By Xavier Martin and Avril Perez

The use of savings groups is not a recent practice. This model has been around for centuries and is currently frequent among societies lacking access to formal financial services. The benefit of participating in these groups is clear – if ten people each save $5 every month to purchase an item valued at $50, everyone will have to wait ten months to accumulate enough money to make such purchase. However, if these ten individuals gather up and form a savings group, most will be able to purchase the item prior to the ten month mark – one member will have access to $50 during the first month, another during the second month, and so on until the last member receives the money during the tenth month. The simplicity and immediate benefits offered by this model explain the popularity of these groups among low-income individuals and those living under extreme poverty.

miércoles, 8 de mayo de 2013/Author: Avril Perez/Number of views (3701)/Comments (0)/ Article rating: No rating

Expanding Financial Inclusion: Microfinance

By Fermin Vivanco, Maria Luisa Hayem and Andrea Reyes. Access to Finance Unit, Multilateral Investment Fund, IDB.

Access to reliable and affordable financial products is critical when it comes to saving money for children’s education, protecting against setbacks, or borrowing money to start a business. Globally, more than 2.5 billion people are unbanked or underbanked, lacking access to the financial services necessary to engage in the local economy and safely conduct basic financial transactions. Solutions to many of these challenges come in the form of microfinance institutions (MFIs) that help provide access to specialized financial products.

martes, 30 de abril de 2013/Author: Fermín Vivanco/Number of views (4425)/Comments (0)/ Article rating: No rating

Consumer lending and financial inclusion in Latin America: Rewards and risks of expanding access


Yolanda Luna, Mexico 2012. CGAP Photo Contest 

By Rafe Mazer (CGAP), Rudy Araujo (ASBA), Sergio Navajas (MIF)

On March 12 and 13, CGAP, the MIF, and the Association of Bank Supervisors of the Americas (ASBA) hosted a discussion with regulators in Latin America on consumer lending in the Americas, including participants from Brazil, Chile, Colombia, México, Perú and the US.

Consumer lending has evolved in different ways across markets, and has grown rapidly in recent years both in market size and outreach to low-income consumers and the growing middle class. Policymakers in the region have identified important risks resulting from this market evolution, but there are still not clear consensus views on how to measure and assess market penetration, how to separate the good aspects of it from what is potentially harmful, and the role of the regulators towards proactively controlling or reactively responding to the market.

lunes, 15 de abril de 2013/Author: Sergio Navajas/Number of views (7374)/Comments (0)/ Article rating: No rating

Facilitando la Inclusión a través de la Educación Financiera


In English

En el camino hacia la inclusión financiera de las personas pobres y de bajos ingresos, la educación financiera ¿es un facilitador o una barrera? La respuesta: puede ser AMBAS. Estudios realizados por el Center for Financial Inclusion de Accion Internacional, revelaron que de 301 instituciones microfinancieras, el 66% identificó a la habilidad financiera como el principal facilitador de la inclusión financiera; sin embargo, el 57% también la identificó como la principal barrera. Analicemos ambos escenarios desde la perspectiva del cliente.

miércoles, 3 de abril de 2013/Author: Avril Perez/Number of views (4308)/Comments (0)/ Article rating: No rating
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