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 Togo Youth 2018 Dashboard (French)

Plus de jeunes (45%) vivent dans les régions urbaines comparé aux seniors (38%), ce qui laisse croire qu’un plus grand nombre de jeunes pourraient avoir migré vers les régions urbaines. Cependant, 55% des jeunes vivent dans les zones rurales avec la plus grande proportion de jeunes (17%) se trouvant à Grand Lomé. Une plus grande […]

FinScope
SADC Consumer MAP
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Madagascar MAP Roadmap 2018 – 2022 Report

This roadmap document is produced as part of a series of documents in the Making Access Possible (MAP) Madagascar initiative. MAP Madagascar has been rolled out under the guidance of the MAP steering committee chaired by the Treasury department of the Ministry of Finance and Budget. The steering committee includes representatives from government, regulators, private […]

SADC Consumer MAP
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Madagascar MAP Diagnostic 2017 Report

Making Access Possible (MAP) is a multi-country initiative to support financial inclusion through a process of evidence-based country diagnostic and stakeholder dialogue, leading to the development of national financial inclusion roadmaps that identify key drivers of financial inclusion and recommended action. Through its design, MAP seeks to strengthen and focus the domestic development dialogue on […]

SADC Consumer MAP
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FinScope Togo Financial Literacy 2017 Dashboard (English)

Understanding what a financial product or service is, what it offers, how to use it, how to benefit from it is a necessary requirement for Togolese adults to make best use of available resources. Similarly, an individual’s characteristics, perceptions and behaviour influences his ability to engage, take-up and utilise a financial product. However, influencing an […]

FinScope
SADC Consumer MAP
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FinScope Togo Clean Energy 2017 Dashboard (French)

L’énergie propre (dite aussi verte ou renouvelable) est pressentie comme la meilleure alternative pour développer l’énergie destinée à la cuisson et à l’éclairage dans les foyers togolais. Cependant, la capacité à garantir l’accès à des sources d’énergies renouvelables dépend de l’aptitude des ménages à accéder à de meilleures modalités de financement. Le coût initial d’accès […]

FinScope
SADC Consumer MAP
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FinScope Togo Clean Energy 2017 Dashboard (English)

Clean (or green or renewable) energy is tipped as the next best option to advance energy for cooking and lighting within Togolese households. However, the ability to secure the renewable sources of energy are dependent on households’ capability to make better financial arrangements. As it well known that the cost of renewable energy is high […]

FinScope
SADC Consumer MAP
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FinScope Togo Agriculture 2017 Dashboard (French)

De manière générale, l’agriculture est un secteur à forte intensité de main d’oeuvre. C’est particulièrement le cas au Togo, où 51 % des ménages sont impliqués dans des activités liées à l’agriculture. La plupart des ménages agricoles se trouvent dans la région des Plateaux (34 %) et dans la région Maritime (22 %). Sans surprise, […]

Deepening Financial Inclusion
SADC Consumer MAP
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FinScope Togo Agriculture 2017 Dashboard (English)

Agriculture is a labour intensive industry generally. This is extremely relevant for Togo as 51% of all households are involved in agricultural related activities. Most farming households are located in Plateaux (34%) and Maritime respectively. As expected, the farming households are spread across the traditionally rural regions. In order to improve the lives of these […]

FinScope
SADC Consumer MAP
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FinScope Burkina Faso Youth 2017 Dashboard (English)

A large proportion of youth (70%) live in rural areas with 30% living in urban areas. Slightly more seniors live in rural areas suggesting a slightly higher proportion of the youth migrate to urban areas than seniors. The highest population of youth are in the Central (20%) and Central-East (10%) regions. A larger proportion of […]

FinScope
SADC Consumer MAP
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FinScope Togo Youth 2017 Dashboard (English)

More youth (45%) live in urban areas than seniors (38%) suggesting that more youth might have migrated to urban areas. However 55% of the youth live in rural areas with the highest youth population (17%) found in Grand Lomé. A greater proportion of the youth have secondary education and above than their senior counterparts. However, […]

FinScope
SADC Consumer MAP
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Togo MAP Rapport De Feuille De Route 2019 – 2023 (Fran...

La Feuille de Route pour l’inclusion financière du Togo 2019-2023 définit les priorités nationales relatives à l’amélioration de l’inclusion financière au niveau national. La Feuille de Route est axée sur les conclusions du diagnostic, contenues dans “Togo Making Access Possible: Rapport Diagnostic de l’Inclusion Financière 2017”,un rapport qui s’appuie sur la recherche et les sondages […]

Deepening Financial Inclusion
SADC Consumer MAP
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Togo MAP Rapport De Diagnostic 2017 (Français)

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 l’UNCDF (United Nations Capital Development Fund), FinMark Trust et le Centre pour réglementation et l’inclusion financière (Cenfri). […]

Deepening Financial Inclusion
SADC Consumer MAP
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Togo 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 […]

Deepening Financial Inclusion
SADC Consumer MAP