Access to financial services is an important contributor to enterprise productivity the world over. In Sub-Saharan Africa, where most people still live in rural areas and agriculture is the mainstay of the rural economy, access to financial services of all kinds is still poor. Yet relatively little is known about the demand for, the supply […]
This presentation focuses on the performance of mortgages granted to lower income households in South Africa since 2004. This analysis finds that mortgages granted to lower income households have on average performed in line with the market as a whole. However, this analysis allows for a more nuanced comparison of performance that also highlights some key […]
Africa is the next investment frontier and the SADC region has some of the most attractive investment opportunities on the continent. Developing closer financial ties between SADC countries, known as regional financial integration (RFI), will bring many benefits for the private financial sector, but we’ve yet to see huge improvements. This one-day regional financial integration […]
FinMark Trust appointed frog to conduct immersive research within a lower-income community in South Africa to better understand the challenges of deepening financial inclusion in South Africa. FinMark Trust engaged frog for a 2-week frogImmersive study to provide additional insights on consumer behavioral patterns, lifestyles and attitudes on financial services. This document describes frog’s approach, […]
The funding of health care in South Africa has a long and complex history. Private medical schemes operate as not for profit trusts and pool members’ funds to purchase private health care goods and services. The Medical Schemes Act no. 131 of 1998 is the primary legislation governing medical schemes while the Council for Medical […]
It is well known that there are large remittance flows from South Africa to other countries in the SADC region and that a substantial proportion of such flows are informal ? sent for example via cross-border mini-bus taxis or buses. However, data on the size of this remittance market is hard to come by. Data is not […]
FinMark Trust commissioned Progressus Research Development to document the experiences of recipients (cash and electronic) to provide insights into: appropriate design features; how the payment methods operate (in terms of efficiency, effectiveness and cost), how the payment method impacts on and enhances the beneficiaries’ ability to connect to financial services.
The study aimed to sketch the landscape of retail payment services in South Africa that have a positive impact on financial inclusion and market participation. It also aimed to start to develop a typology of models based on shared characteristics witnessed across various services. The prime inputs to the study were a series of interviews […]