Programme | SADC Consumer MAP

FinMark Trust has partnered with the United Nations Capital Development Fund (UNCDF) and Cenfri to develop and deliver the Making Access to Financial Services Possible (MAP) initiative. MAP seeks to advance financial inclusion and support expanding access to an appropriate portfolio of financial services for individuals that are either underserved or un-served. An appropriate portfolio of financial services includes effective access to credit, savings, payments and insurance products. These products have the potential to improve the welfare of lower income people by helping to conduct and manage their financial lives more efficiently, increase income, better manage risks and build up wealth over time.

The MAP diagnostic approach utilises an analytical framework to build a picture of market demand based on household and individual income, economic activity, and current usage of financial services within a diverse array of countries and local contexts. This approach has the objective of:

  • Encouraging providers of financial services to deliver products and services to those segments of the population that are currently underserved; and
  • Enabling policymakers and regulators to understand current policies and regulations that are inhibiting market growth and to develop a strategic vision on financial inclusion and the possible delivery modalities.

The MAP Diagnostics are effectively utilised to support the development of Financial Inclusion Strategies for countries, highlighting priority areas for impact. FMT supports the implementation of these programmes through in country resources.

Thematic Country Programs within MAP

M&E

M&E to support assessment of the financial inclusion indicators.

Digital Financial Identity

Migration within the region is part of daily life. With the cost of KYC (know your customer) up to 80% of the cost from cross border remittances – a digital financial identity for the region could reduce costs to those most vulnerable.

Mobile Money and Interest on Mobile Money

FMT supported the development of the Committee of Central bank Governors for SADC Mobile Money Guidelines, which has been adopted as the working document for the region. A major and very progressive approval, was for the payment of interest on Mobile Money Wallets. This is very progressive thinking – and supports financial inclusion through the digitization of a store of value with interest. We are supporting the implementation of their clause in the region through the development of frameworks for countries to pay interest.

Credit information Sharing

Access to finance, and formal credit is essential to support financial inclusion. Credit information sharing is critical to support formal credit, and limit over indebtedness.

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Burkina Faso MAP Rapport De Diagnostic 2017(French)

L’initiative « Rendre l’Accès Possible » (Making Access Possible – MAP) est une initiative multi pays visant à appuyer l’inclusion financière à travers un processus de diagnostic reposant sur des données factuelles issues du pays. C’est un partenariat entre le Fonds d’Équipement des Nations-Unies (FENU) communément appelé UNCDF (United Nations Capital Development Fund), FinMark Trust et le […]

SADC Consumer MAP
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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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FinScope Cambodia Clean Energy 2016 Dashboard

Households in Cambodia on average devote 18% of their monthly expenses on their household energy needs, more than food, water and transport combined. Addressing energy poverty by scaling up the availability of affordable and more efficient energy services is the key to improve social equity and sustainably achieve Cambodia’s development targets as stated by the […]

FinScope
SADC Consumer MAP
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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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Results from FinScope Consumer Survey Burkina Faso 2016

Ouagadougou, 18 April 2017. FinMark Trust released the results of the first FinScope Consumer Survey Burkina Faso today. The FinScope Survey, developed by FinMark Trust, is a research tool to assess financial access in a country and to identify the constraints that prevent financial service providers from reaching the financially under- and un-served people. The FinScope […]

FinScope Consumer
SADC Consumer MAP
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FinScope Consumer Survey Burkina Faso 2016 Pocket Guide (Eng...

Making Access Possible (MAP) is a diagnostic and programmatic framework to support expanding access to financial services for individuals and micro and small businesses. The MAP methodology and process has been developed jointly by UNCDF, FinMark Trust and Cenfri to foster inclusive financial sector growth. At country level, the core MAP partners collaborate with Government, […]

FinScope Consumer
SADC Consumer MAP
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FinScope Consumer Survey Burkina Faso 2016 Pocket Guide (Fre...

Making Access Possible (MAP) is a diagnostic and programmatic framework to support expanding access to financial services for individuals and micro and small businesses. The MAP methodology and process has been developed jointly by UNCDF, FinMark Trust and Cenfri to foster inclusive financial sector growth. At country level, the core MAP partners collaborate with Government, […]

FinScope Consumer
SADC Consumer MAP
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FinScope Consumer Survey Togo 2016 Pocket Guide (French)

Making Access Possible (MAP) est un diagnostic et un cadre de programmation pour appuyer l’élargissement de l’accès aux services financiers pour les individus ainsi que les micro et petites entreprises. La méthodologie et le processus MAP ont été élaborés conjointement par l’UNCDF, FinMark Trust et Cenfri pour stimuler la croissance du secteur de la finance […]

FinScope Consumer
SADC Consumer MAP
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FinScope Consumer Survey Togo 2016 Pocket Guide (English)

The Government of Togo recognises the role played by the financial sector in facilitating economic growth through enhanced access to financial services. In order to strengthen policies that will generate sustainable and inclusive growth and development, the Government of Togo is implementing the MAP programme to help identify and create a roadmap that ultimately secures […]

FinScope Consumer
SADC Consumer MAP
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FinScope Madagascar Financial Literacy 2016 Dashboard (Frenc...

La majorité des adultes (57%) ont atteint le niveau d’enseignement primaire ou moins. Le niveau d’éducation a des répercussions sur l’éducation financière. Les systèmes d’éducation formelle améliorent les aptitudes en calcul et de compréhension. Ces aptitudes incluent la prise de conscience générale des produits financiers formels, comment ces produits fonctionnent, et incluent les compétences telles […]

FinScope
SADC Consumer MAP
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FinScope Madagascar Financial Literacy 2016 Dashboard (Engli...

The majority of adults (57%) have primary education or less. The level of education has implications on financial literacy. Formal education systems provide numeracy and comprehension skills. This includes a general awareness of formal financial products, how they work and skills such as budgeting. The implicit knowledge gained from educational systems also improves the comprehension […]

FinScope
SADC Consumer MAP
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FinScope Madagascar Agriculture 2016 Dashboard (English)

About three in five adults (6.8 million) rely on farming as source of income. This translates to 71% of Malagasy households. Only 9% of the adult population depends on farming to supplement their main income source indicating limited livelihood diversification. About 435 000 adults mainly rely on farm work and wages. Of the 71% of […]

FinScope
SADC Consumer MAP
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FinScope Madagascar Agriculture 2016 Dashboard (French)

About three in five adults (6.8 million) rely on farming as source of income. This translates to 71% of Malagasy households. Only 9% of the adult population depends on farming to supplement their main income source indicating limited livelihood diversification. About 435 000 adults mainly rely on farm work and wages. Of the 71% of […]

FinScope
SADC Consumer MAP
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FinScope Consumer Survey Madagascar Pocket Guide (French)

The Malagasy economy is not diversified and economic growth is focused on a few sectors and regions qualified as growth poles due to their high population density, proximity of major projects and their access to markets. Many regions where the poverty rates are high, have low priorities in development programs and weakened economic performance. The […]

FinScope Consumer
SADC Consumer MAP
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FinScope Consumer Survey Madagascar Pocket Guide (English)

The Malagasy economy is not diversified and economic growth is focused on a few sectors and regions qualified as growth poles due to their high population density, proximity of major projects and their access to markets. Many regions where the poverty rates are high, have low priorities in development programs and weakened economic performance. The […]

FinScope Consumer
SADC Consumer MAP
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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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FinScope Cambodia Gender 2016 Dashboard

The majority of households (79%) in Cambodia are female-headed. Whilst the average household sizes are fairly similar between male and female-headed households, male-headed households have higher ownership of assets such as motorcycles, bicycles and farming materials such as a tractor and ox cart. There are also clear disparities in access to education between males and […]

FinScope
SADC Consumer MAP