Publications

Displaying 1 - 9 of 9 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

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

Flows: Filling up the Base of the Pyramid - Business and Finance Solutions to Scale up Water Access for India’s poor

How can microfinance enhance access to water and sanitation for the poor? This paper identifies opportunities to address demand for water and sanitation (watsan) at the Bottom of the Pyramid (BOP) through effective business models. Over 1 billion people lack access to safe drinking water and basic sanitation facilities worldwide. One of the U. N.’s Millennium Development Goals (MDG) is to reduce this number to half by 2015. About 100 million people need to gain access to watsan per year to meet the MDG target.
Published: 
December, 2009

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