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Nudging The Investment Ecosystem By Incentivizing Impact

PUBLISHED: June, 2018

Opportunities in Incentivizing Impact in Financing Small and Growing Businesses in Developing & Emerging Markets

This paper is a summary of fresh ideas on how to channel more capital into impact investing and incentivize impact creation. Building on insights generated by experts at the BMZ hosted conference Financing Global Development – Leveraging Impact Investing for the SDGs, the paper furthers the conversation on Impact Measurement and Management, IMM 2.0, through brainstorming practical ideas and viewpoints in the impact investing value chain: those who provide capital, those who manage it, and those who receive it. This included close to 50 stakeholders, including fund managers, DFIs, intermediaries, entrepreneurs, governments, CSOs and others.
The discussion, conducted in the form of a ‘design lab’ by Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH, Intellecap, and the Swiss Agency for Development and Cooperation (SDC), aims to start a conversation on how to maximize impact by channeling capital into small and growing businesses (SGBs) as a way to expedite achievement of SDGs (Sustainable Development Goals). During the session, industry leaders like FMO, Vox Capital, and Roots of Impact had shared case studies of good practices in incentivizing impact along the investment chain. This formed the basis of brainstorming on development of new ideas on innovative instruments that could nudge the ecosystem towards more actively pursuing and scaling impact.
The result is an analysis of the barriers in the impact investment value chain highlighted during the stakeholder conversations, and key insights on how to overcome them (for example, the need for transparency, standardization, leadership, etc.). In addition, the workshop collated a list of potential ‘wild ideas’ to like impact currency, impact rewards, impact index, online market places for impact auctioning, and a give-back distribution impact support system, designed to incentivize increased levels of investment along the value chain. The practical approaches suggested by stakeholders fit well with the existing impact measurement and monitoring frameworks like GIIN’s IRIS and Intellecap’s PRISM and hold the potential to guide impact capital more efficiently by leveraging good practices.

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The Financial Lives of Government Employees – Potential of Digital Finance in Sierra Leone

PUBLISHED: July, 2018

This report documents findings from research on the financial lives of government employees in Sierra Leone, commissioned by the Government to People Payments Project – Building Digital Ecosystem funded by USAID. Intellecap supported UNCDF, Government of Sierra Leone and Bank of Sierra Leone for conducting the research.

There are 80,000 government employees in Sierra Leone who receive salaries digitally in their bank accounts. Insights about their financial lives can help build a viable business case for DFS to expand access to a wide range of financial services for underserved communities in Sierra Leone. Such insights can inform strategies and use cases that the UNCDF and the Government of Sierra Leone can develop to promote DFS in the country. The National Strategy for Financial Inclusion 2017 – 2020 also refers to the need to identify and digitize use cases that will lead to habitual usage, and achieve Sierra Leone’s commitments to the ‘Better Than Cash Alliance’.

Recognizing the need and opportunity, UNCDF supported the Financial Lives Survey of government employees who receive their salaries digitally in Sierra Leone. Intellecap designed the survey to understand how government employees utilize salaries transferred into their bank accounts, their awareness of and access to DFS, avenues to use them and their perceptions about financial services and digital financial transactions. This report contains insights from the survey about potential customers of DFS and recommendations on use cases that could be piloted as an initial step to improve DFS adoption in Sierra Leone.

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Replication of Intellecap’s Ecosystem Based Approach in East Africa

PUBLISHED: July, 2018

Intellecap has sought to replicate its ecosystem-based approach to East Africa by bringing
together capital, knowledge and networks to support SGBs at two levels: (i) provide direct support
to SGBs in the form of acceleration, fund-raising, technical assistance, innovation transfer, and
market linkages, and (ii) discover and engage critical ecosystem players such as corporations
(both local and international), accelerators, other development sector players in supporting SGBs.

In the three-year period since the launch of our initiative to replicate our ecosystem-based
approach for accelerating entrepreneurship support to SGBs in East Africa, we have received
generous support not only from our funders, but also from a number of local and international stakeholders such as development institutions, private sector entities, and industry associations.

Over the last year, we have replicated our advocacy platform (Sankalp), angel investment network
(I3N) advisory services (consulting & investment banking), virtual incubation platform
(StartupWave) and impact measurement platform (PRISM) as envisaged at the beginning of our
programmatic support. The development and adaptation of StartupWave for East Africa has
resulted in over 450 sign-ups for our early stage enterprise support activities and partnerships with
over 30 incubators / accelerators. Similarly, PRISM, our impact measurement platform, has
garnered interest from a wide variety of players to measure the impact of their programs.

Download Pdf Here

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Market Data for Private Sector Investments in Nepal – Healthcare

PUBLISHED: September, 2014

Tags: Health, Entrepreneurship

Region: Asia
READ MORE
Pathways to progress

PUBLISHED: August, 2013

Tags: Entrepreneurship, Health, Agriculture, Financial Services, Livelihoods, Energy, Strategy Alliances

Region: Asia
READ MORE
Invest. Catalyze. Mainstream: The Indian Impact Investing Story

PUBLISHED: August, 2013

Tags: Financial Services

Region: Asia
READ MORE
IntelleCash-Arohan: Leading the Way in Consolidating the Microfinance Industry in India

PUBLISHED: October, 2012

Tags: Financial Services, Livelihoods

Region: Asia
READ MORE
Micro, Small and Medium Enterprise Finance Market in India

PUBLISHED: August, 2012

Tags: Financial Services, Entrepreneurship

Region: Asia
READ MORE
Compass due North East

PUBLISHED: April, 2012

Tags: Entrepreneurship

Region: Asia
READ MORE
Ideas for Impact

PUBLISHED: April, 2012

Tags: Entrepreneurship

Region: Asia
READ MORE
On the Path to Sustainability and Scale: A Study of India’s Social Enterprise Landscape

PUBLISHED: April, 2012

Tags: Energy, Health, Agriculture, Livelihoods, Entrepreneurship

Region: Asia
READ MORE
Understanding Human Resource Challenges in the Indian Social Enterprise Sector

PUBLISHED: April, 2012

Tags: Entrepreneurship

Region: Asia
READ MORE
Indian Microfinance: Looking Beyond The AP Act and its Devastating Impact on the Poor

PUBLISHED: March, 2012
READ MORE

Market Data for Private Sector Investments in Nepal – Healthcare

PUBLISHED: September, 2014

This report is an effort of Dolma Development Fund (DDF) to analyse market data and
trends across six sectors in Nepal in order to identify attractive investment opportunities for
private equity and venture capital investors.
We wish to thank all the private enterprises and government agencies who gave us their
time and shared information, giving us a detailed picture of the business and investment
environment in Nepal. We also place on record our sincere thanks to the international
development agencies active in the country for providing us deep sector insights and sharing
their enthusiasm to develop an investment-friendly ecosystem in Nepal.
Our special thanks to Suzanna Abspoel from Advance Consulting for providing insights and
guidance on the sectors reports and the European resources available for Nepal. We would
also like to thank the Intellecap investment banking practice and investment managers from
the Aavishkaar Frontier Fund for sharing their experiences in early stage equity investments.
Finally, our deepest appreciation to Dipika Prasad, Manisha Singh, Saurabh Prakash Sinha,
Nisha Dutt, Raghavendra Badaskar and the entire consulting team at Intellecap for making
this report a success.

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Pathways to progress

PUBLISHED: August, 2013

Pathways to Progress presents an overview of social enterprise activity in five critical needs sectors. Drawing from in-depth interviews with 92 social enterprises, impact investors and sector enablers in India, this report analyzes social enterprises within Agribusiness, Clean Energy, Education, Healthcare and Water & Sanitation sectors and presents some innovative strategies they adopt to reach underserved markets. It discusses some key sector-specific challenges these mission-driven for-profit businesses face and identifies opportunities for social enterprise activity.

This report was launched in Sankalp Unconvention Summit 2013.

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Invest. Catalyze. Mainstream: The Indian Impact Investing Story

PUBLISHED: August, 2013

India is globally regarded as a major hub for impact investing, with a highly evolved ecosystem comprising diverse stakeholders, well regarded successes in BoP entrepreneurship, pioneering investors, and a wide array of enterprise enablers. This study, conducted by Intellecap, provides a ring side view of the development of this investing ecosystem. It draws out some of the main influences around the sector’s emergence and unique characteristics, the dominant approach to investing, and the key areas of focus for the sector going forward.

Four key characteristics explain the India impact investing story: Innovations Rooted in Local Context; Investing that adopts an Entrepreneur led Approach; Ecosystem Focused on Accountability; and Impact Investors with the Ability to Unlock Mainstream Capital. Venture approach to investing is the dominant impact investing approach in India.

An analysis of impact investment trends from the year 2000 shows that USD $ 1.6 billion of capital has been invested in 220+ impact enterprises across India. It also reveals that around 60% of total impact investments have been made in just 15 enterprises, and that Healthcare, agri-business and clean energy are the leading sectors outside of financial inclusion, attracting investments of USD $ 341 million.

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

PUBLISHED: October, 2012

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.

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Micro, Small and Medium Enterprise Finance Market in India

PUBLISHED: August, 2012

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.

This study by Intellecap, commissioned by the International Finance Corporation (IFC) estimates the size of the MSME finance market in India, identifies challenges and opportunities for private sector participation and potential interventions that can promote activity in this market.

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Compass due North East

PUBLISHED: April, 2012

This study was made possible with funding and support from the Deutsche Gesellschafr fur Internationale Zusammenarbeit (GIZ) GmbH.

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Ideas for Impact

PUBLISHED: April, 2012

The Sankalp Forum-Samridhi Social Enterprise Recognition and Regional Summit, organized in collaboration with DFID and GIZ, was aimed at supporting social entrepreneurs working in India’s Low Income States (LIS). As part of the Summit, a special “Recognition program” was organized to showcase the most innovative and scalable of these social enterprises. This compendium of case studies showcases the ten finalists at the Sankalp Forum-Samridhi Social Enterprise Recognition 2012.

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On the Path to Sustainability and Scale: A Study of India’s Social Enterprise Landscape

PUBLISHED: April, 2012

n India, social enterprises have become a national phenomenon in less than a decade, with a growing ecosystem of supporting players. Yet, despite this impressive growth, little is known about these social enterprises collectively: their geographic and sector distribution, business structure, stage of development, financial viability and funding sources.

This Intellecap Study, which was supported by the International Finance Corporation (IFC) and The Rockefeller Foundation, evaluates the Indian social enterprise landscape with insights gathered from a survey of over 100 for-profit social enterprises and in-depth interviews. It presents detailed analysis and recommendations to assist investors, donors, sector enablers, policy-makers and academics in making informed decisions about their involvement with social enterprises.

Download Pdf Here

Understanding Human Resource Challenges in the Indian Social Enterprise Sector

PUBLISHED: April, 2012

Access to capital and human resources are the top two challenges Indian social enterprises face. Already juggling to bring together capital, a viable business model and market knowledge, social entrepreneurs face human resource (HR) challenges that impact their ability to scale, become sustainable and achieve social impact.

This Study, supported by Potencia Ventures and the International Finance Corporation (IFC), provides data and insights from an online survey that Intellecap conducted of social enterprises, which garnered over 100 responses. The findings are further examined with in-depth qualitative interviews with over 50 social entrepreneurs, sector enablers and impact investors. The report covers the challenges of recruitment, capacity building, talent retention and team-building that drive scale. It is the first of its kind to provide insight into this important issue and challenge for all social enterprises.

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

PUBLISHED: March, 2012

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.

Over 9 million households in AP have been affected as access to finance has dried up and lending by MFIs in AP has dropped to virtually zero from INR 7,494 crore (Cr.) (USD 1.5 billion1) in the year prior to the AP Act. This means that millions of people that depend on MFIs to finance their entrepreneurial pursuits and smooth household incomes have been left with no alternative, other than to return to the village moneylender.

The damage has not been limited to AP alone; indeed the impact already has and will continue to affect access to finance for the poor in other states, making this not just an AP problem, but rather a pan-India problem.

The AP Act eliminated private sector microfinance by making it impossible for MFIs to collect outstanding amounts or provide fresh loans to clients. As of today, over INR 6,000 Cr. (USD1.2 billion) of uncollected loans remain outstanding in AP. Because the MFIs are not permitted into the field, they cannot collect the outstanding amounts nor make fresh loans to the millions of poor households that depend on them as their primary mainstream source of credit. And since MFIs cannot collect the funds locked up in AP, they are unable to pay back their lenders, which include India’s large public and private sector banks such as SBI, SIDBI, ICICI and others.

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Market Data for Private Sector Investments in Nepal – Healthcare

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Invest. Catalyze. Mainstream: The Indian Impact Investing Story

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

Micro, Small and Medium Enterprise Finance Market in India

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On the Path to Sustainability and Scale: A Study of India’s Social Enterprise Landscape

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

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connect@intellecap.com

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