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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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
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FinScope Cambodia Agriculture 2016 Dashboard

Although about a third (3.1 million) of the adult population works full-time in farming, relying on farming as a main source of income, a further fifth (1.5 million) of the adult population depends on farming to supplement their main income source, with a further 200,000 or so adults earning their main income in the form […]

FinScope
SADC Consumer MAP
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FinScope Consumer Survey Cambodia 2015 Pocket Guide

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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Botswana MAP Synthesis 2015 report

This Diagnostic report presents a comprehensive analysis of the financial inclusion environment in Botswana as part of the Making Access Possible (MAP) Botswana initiative. MAP will be used to inform the Botswana government’s approach to financial inclusion. In 2014, the Ministry of Finance formally requested FinMark Trust’s support for its ongoing financial inclusion agenda. It […]

SADC Consumer MAP
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Bostwana MAP Roadmap 2014-2020 report

This roadmap document is produced as part of a series of documents in the Making Access Possible (MAP) Botswana initiative. Preparation for MAP Botswana was announced by the Minister of Finance and Development Planning in the February 2015 Budget Speech, and a Steering Committee consisting of government, private sector, and civil society representatives set up […]

SADC Consumer MAP
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Botswana MAP Diagnostic 2015 report

This report summarises the findings of the MAP Botswana diagnostic, a comprehensive study of the scope for financial inclusion in Botswana across four product markets: credit, payments, savings and insurance. MAP Botswana was requested by the Government of Botswana as input towards the development of a financial inclusion strategy for Botswana. The Ministry of Finance […]

SADC Consumer MAP
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Malawi MAP Diagnostic 2015 Report

Making Access Possible (MAP) is an evidence based multi-country initiative to support financial inclusion, conducted by the United Nations Capital Development Fund (UNCDF), FinMark Trust and the Centre for Financial Regulation and Inclusion (Cenfri), in consultation with the Ministry of Finance-led MAP Malawi Steering committee. The MAP diagnostic informs a roadmap that provides detailed and […]

Deepening Financial Inclusion
SADC Consumer MAP
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FinScope Consumer Survey Lao 2015 Pocket Guide

Lao People’s Democratic Republic (PDR) has witnessed significant growth in the financial sector with government initiatives allowing for growth in the micro-finance sector and an increased foreign bank presence. The challenge, as with most developing economies, for policy-makers and the private sector, is to spread the reach of socioeconomic benefits that come with economic expansion. […]

FinScope Consumer
SADC Consumer MAP
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Myanmar MAP Diagnostic 2014 report

As Myanmar modernises its financial sector to better serve its economy and people, a growing opportunity to extend financial services to the majority of its people has opened up. MAP found that 30% of the 39 million adults use regulated financial services, but only 6% use more than one service. Fewer than 5% of adults […]

SADC Consumer MAP
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Lesotho MAP Diagnostic 2014 report

This diagnostic report forms part of a series of documents produced as part of the Making Access to Financial Services Possible (MAP) Lesotho initiative. This report applies the MAP diagnostic and programming framework to support expanding access to financial services. The application of MAP in this report considers the opportunities, challenges and scope for the […]

SADC Consumer MAP
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Lesotho MAP Qualitative 2014 Report

This document is a summary of the demand-side research that was conducted in Lesotho as part of the Making Access to Financial Services Possible (MAP) study to complement the quantitative analysis of FinScope survey data. The MAP study is conducted in a number of countries. It aims to develop, pilot and codify a toolkit of financial […]

SADC Consumer MAP
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Lesotho MAP Synthesis 2014 Report

This Synthesis note summarises the main findings of the Making Access Possible (MAP) Lesotho Diagnostic Report. The implementation of MAP in Lesotho was officially requested in August 2013 by The Government of Lesotho, via the Ministry of Finance. The MAP project is formally hosted by the Ministry of Finance, with the cooperation of the Central […]

SADC Consumer MAP
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Swaziland MAP Roadmap 2014 – 2020 Report

This Roadmap is a document produced as part of a series of documents in the Making Access Possible (MAP) Swaziland initiative. MAP Swaziland was requested by the Government of Swaziland as input towards the development of a financial inclusion strategy for Swaziland. The Ministry of Finance set up the Financial Inclusion Task Team comprising representatives […]

Deepening Financial Inclusion
SADC Consumer MAP
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Swaziland MAP Qualitative 2014 Report

This document is a summary of the qualitative demand-side research that was conducted in Swaziland as part of the Making Access to Financial Services Possible (MAP) study. It is complemented by a quantitative demand-side analysis based on the FinScope Swaziland 2011 results. The MAP study is conducted in a number of countries. It aims to […]

Deepening Financial Inclusion
SADC Consumer MAP
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Swaziland MAP Diagnostic 2014 report

This report summarises the findings from the MAP Swaziland diagnostic, a comprehensive study of the scope for financial inclusion in Swaziland across four product markets: credit, payments, savings and insurance. The global Making Access to Financial Services Possible (MAP) programme is a partnership between the United Nations Capital Development Programme (UNCDF), FinMark Trust and the […]

Deepening Financial Inclusion
SADC Consumer MAP
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Swaziland MAP Synthesis 2014 report

MAP Swaziland was requested by the Government of Swaziland as input towards the development of a financial inclusion strategy for Swaziland. The Ministry of Finance has set up a Financial Inclusion Task Team comprising representatives from the Microfinance Unit, the Central Bank and the Financial Services Regulatory Authority. The Financial Inclusion Task Team serves as […]

Deepening Financial Inclusion
SADC Consumer MAP
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Myanmar MAP synthesis 2014 report

This MAP Study Synthesis Note serves to summarize a series of documents produced as part of the Making Access Possible (MAP) Myanmar initiative. Preparation for MAP Myanmar was approved by the President of the Union of Myanmar in January 2013. The programme has been developed by United Nations Capital Development Fund (UNCDF) in close cooperation […]

SADC Consumer MAP