insights | Reports

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Burkina Faso MAP Diagnostic 2017 report (English)

Making Access to Financial Services Possible (MAP) is a multi-country initiative to support financial inclusion through a process of evidence-based country analysis. It is a partnership between the United Nations Capital Development Fund (UNCDF), FinMark Trust and the Centre for Financial Regulation and Inclusion (Cenfri). In each country, it aligns stakeholders from within government, private sector and the […]

SADC Consumer MAP
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The Second SADC Financial Inclusion Indaba

FinMark Trust, in partnership with SADC Secretariat and the SADC Banking Association is proud to have co-hosted the second Financial Inclusion Indaba on the 13th and 14th of July in Centurion, South Africa. Across the African continent, governments have begun to realise the pivotal role financial inclusion can play in combatting poverty and contributing to inclusive […]

SADC FI
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DRC MAP Diagnostic 2017 Report

The DRC is emerging from decades of conflict. To this, as will be discussed in Section 4.1, is added severe infrastructure constraints and a vast and difficult to navigate topography. Almost half of all adults live in deep rural areas where they are all but cut off from the outside world. Subsistence agriculture plays a […]

Deepening Financial Inclusion
SADC Consumer MAP
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Lao PDR MAP Roadmap 2016 – 2020 Report

The Laos Financial Inclusion Roadmap 2016 – 2020 lays out the national priorities for the enhancement of financial inclusion in the Lao PDR, in order to help improve welfare, enhance incomes and growth, and support national development objectives.The Roadmap is based on the Country Diagnostic Report, 2015, which in turn draws on in-country research and […]

Deepening Financial Inclusion
SADC Consumer MAP
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The Impact of Remittances in Lesotho, Malawi and Zimbabwe

Households in sub-Saharan Africa have a long tradition of cross-border migration and associated remittances. During periods of economic or political instability, or simply when opportunities at home are scarce, the funds remitted by migrants are a lifeline that can help keep food on the table, children at school, and roofs over heads. However, from an […]

SADC Payments and Remittances
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Cross-Border Remittance Pricing

This report was commissioned by FinMark Trust and carried out through Genesis to assess the cost of cross-border remittances in South Africa. Using a new approach based on conducting actual cross-border transactions, the report verifies the pricing offered to customers in the market and compares this cost to other studies conducted by the World Bank […]

SADC Payments and Remittances
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Digitisation of social grant payments and financial inclusio...

A quarter of South Africans rely on social grants and the grant allows millions to access formal financial services. However, the extent to which social grants have contributed to financial inclusion of social grant recipients has not been documented. Therefore, this report was prepared to highlights the trends in financial inclusion among social grant recipients […]

FinScope
SA FI
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Seminar on Financial Education Report

Financial education is key to improving individual financial behaviour, preventing over-indebtedness, protecting clients, contributing to market development and ensuring financial stability. It makes a crucial contribution to the development of inclusive financial systems and to broader economic and social development goals. Financial education is therefore increasingly high on the agenda of many countries, including countries […]

FinScope
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Mobile Money and Financial Inclusion in SADC

This paper presents a cross-country comparison of mobile money ownership and its determinants together with the factors affecting mobile money adoption. The link between mobile money and financial inclusion will also be discussed. The following insights have been gained from the FinScope studies conducted in 11 countries across the SADC region. The low penetration of […]

SA FI
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Moving Mula – Updating the South Africa – SADC R...

Remittance markets comprise both a commercial opportunity for financial sector operators, and an important means of supporting impoverished communities. In 2012 FinMark Trust commissioned an exercise to estimate the size of remittance flows from South Africa, which is a key regional hub for economic migration, to the various countries in the Southern African Development Community […]

SADC Payments and Remittances
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Baseline Financial Literacy Survey Seychelles 2016 Report

The Central Bank of Seychelles (CBS) and the Financial Services Authority (FSA) commissioned FinMark Trust to undertake a Baseline Survey on Financial Literacy. The purpose of the baseline study was to measure the level of financial literacy amongst the population and provide an assessment of the needs of the population including the identification of possible […]

FinScope
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FinScope 2015 Consumer Survey India – Under the Poores...

FinScope Consumer India (PSIG) 2015 is the first financial inclusion survey of the Poorest States Inclusive Growth (PSIG) in which a representational cross-section of adult Indians were interviewed comprehensively about their financial behaviour, familiarity with financial terminology and their use of financial services. A total of 16,000 households were covered by the survey from which […]

FinScope Consumer
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Cross-Border Remittances 2016

The World Bank estimates that in 2016 remittances from migrant workers to developing countries will be worth USD 440 billion. More than twice that of foreign aid. Remittances play a critical role in supporting the welfare for many individuals and households in developing countries. Moreover, remittances can contribute to economic growth, with research indicating that […]

SADC Payments and Remittances
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Case Study – Using Information as a Driver of Change: ...

In August 2016, FSD Africa launched a case study series on the art of financial market facilitation with a desire to learn more about the art of market facilitation in action. In response, and in partnership with CGAP, DCED and the FSD Network, FSD Africa commissioned the Springfield Centre to prepare a suite learning case studies. The seven case study […]

FinScope
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Financial literacy and savings decisions by adult financial ...

We use survey data from a sample of 4000 adult financial consumers in Zimbabwe to analyse the determinants of financial literacy and its effect on individual?s savings decisions. Results show that women have lower financial literacy than men. Furthermore, individuals? residing in rural areas exhibit lower financial literacy compared with urban financial consumers. Financial literacy […]

FinScope
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2016 Annual Report

This year’s review traces the overall progress made by FinMark Trust in the implementation of its programme to “make financial markets work for the poor”. As a reminder to our readers, our 2015-2020 strategy is anchored on (i) regional financial integration (ii) financial inclusion and (iii) global thought leadership. Under each of these pillars we […]

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Lao MAP Synthesis 2015 Report

This synthesis note summarises the main findings of the MAP Lao PDR diagnostic, a comprehensive study of the scope for financial inclusion in Laos across four product markets: credit, payments, savings and insurance. MAP Laos was requested by the Bank of Lao PDR as input towards the development of a financial inclusion strategy for Laos. […]

Deepening Financial Inclusion
SADC Consumer MAP
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Effective Health Financing Models in SADC: Three Case Studie...

The SADC region faces challenges in the provision of health services relating to limited financial and human resources. As such, access to appropriate and affordable healthcare is often sub-optimal, especially in public and rural areas. This report reviews three cases pre-funding mechanisms to draw lessons on the potential role of different health financing vehicles in […]

SADC FI