Documents et rapports
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Indonesia - Financial Sector Assessment Program : Technical Note - Credit Infrastructure (anglais)
Credit infrastructure is a critical enabler of a responsible credit system, benefiting both lenders and borrowers while contributing to financial inclusion and stability. It encompasses the set of institutions...
Type de document: Programme d’évaluation du secteur financier (FSAP) Numéro du rapport: 194526 Date du document: 1 mars 2024 Mode de publication: Disclosed Auteur: Fredesvinda Fatima Montes
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IFC Portfolio - Default Rate Analysis (anglais)
Based on nearly 40 years of data collected by the International Finance Corporation (IFC), this report offers a comprehensive analysis of default rates for the IFC corporate loan portfolio. It provides...
Type de document: Rapport Numéro du rapport: 190877 Date du document: 1 mars 2024 Mode de publication: Disclosed Auteur: World Bank
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Interest Bearing Notes (February 2024) (anglais)
Interest Bearing Notes is a product of the Finance and Private Sector Research Team in the World Bank's Development Research Group. It reports on research by the team, as well as non-World Bank research...
Type de document: Bulletin d’information Numéro du rapport: 188059 Date du document: 29 février 2024 Mode de publication: Disclosed Auteur: World Bank
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Evening the Credit Score ? Impact of Psychometric Loan Appraisal for Women Entrepreneurs (anglais)
Women’s lower rates of ownership of collateralizable assets are a constraint to accessing larger business loans. This paper tests the impact of using psychometric credit scoring as a substitute for collateral...
Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS10230 Date du document: 14 novembre 2022 Mode de publication: Disclosed Auteur: Alibhai,Aly Salman,Cassidy,Rachel,Goldstein,Markus P.,Papineni,Sreelakshmi
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Union Economique et Monetaire Ouest Africaine (UEMOA) - Programme d'Evaluation du Secteur Financier : Note Technique - Acces au Financement des PME : Systemes d’Information du Credit, Droits des Creanciers et Insolvabilite (français)
Cette note se concentre sur quatre éléments spécifiques de l'infrastructure de crédit de l'UEMOA, notamment : (1) la capacité et la facilité des institutions financières à prendre des garanties et à enregistrer...
Type de document: Programme d’évaluation du secteur financier (FSAP) Numéro du rapport: 181960 Date du document: 1 mai 2022 Mode de publication: Disclosed Auteur: Lunetti,Chiara Teresa Maria,Roussel-Galle,Philippe,Montes Herraiz,Fredesvinda F.,Menezes,Antonia Preciosa
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MYBank’s Gender-Driven Approach to Lending (anglais)
A subsidiary of Alibaba Group’s Ant Financial Services, MYbank was established in 2015 with a focus on serving small, and medium enterprises (SMEs )and farmers. The platform was among the first batch of...
Type de document: Fiche Numéro du rapport: 156902 Date du document: 1 août 2020 Mode de publication: Disclosed
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Summary of the EU Fintech Work (anglais)
The use of technology innovations in the financial services sector, or FinTech as is commonly known, is a key enabler for financial inclusion, enhancing financial efficiency and potentially targeting existing...
Type de document: Rapport Numéro du rapport: 150456 Date du document: 30 juin 2020 Mode de publication: Disclosed
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Small and Medium Enterprises : Financial Information as a Catalyst for Lending - Results of a Survey on Bank Lending Practices in Serbia (anglais)
Small and Medium Enterprises (SMEs) contribute significantly to jobs and output creation, and are engines of economic growth worldwide. However, many studies have found that SMEs find it difficult to obtain...
Type de document: Rapport Numéro du rapport: 138054 Date du document: 19 juin 2019 Mode de publication: Disclosed Auteur: Frerejacque,Pascal Francois Camille Alain,Lincoln Nagy,Marie Anne Johanna,Barros,Ana Cristina Hirata,Belford,Sarah Haley,Chandrasekaran,Gayatri
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Disruptive Technologies in the Credit Information Sharing Industry : Developments and Implications (anglais)
This note analyzes the evolution of Credit Information Systems, including the emergence of new technologies that use alternative data in credit decisioning and the opportunities and risks associated with...
Type de document: Document de travail Numéro du rapport: 136866 Date du document: 13 mai 2019 Mode de publication: Disclosed Auteur: Salamina,Luz Maria,Chhabra,Pratibha,Sankaranarayan, Shalini,Masunda,Collen
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Credit to Merchants : Tienda Pago’s Digital Solution for Fast-Moving Consumer Goods (anglais)
Tienda Pago is an emerging fintech player that provides working capital solutions specifically targeted at merchants in FMCG supply chains. Launched in 2014, and with ongoing operations in Mexico and Peru...
Type de document: Rapport Numéro du rapport: 162141 Date du document: 1 janvier 2019 Mode de publication: Disclosed Auteur: Casanova Torres,Martha Elena,Ruiz Fernandez,Frida Angelica,Biallas,Margarete O.,Limo Anculle,Jhony Manuel,Savonitto,Beniamino
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Financial Innovation for Smallholder Families : CGAP V Completion Report - FY14-FY18 (anglais)
The Financial Innovation for Smallholder Families Initiative is working to facilitate the development of new financial solutions and provider practices that meet the needs of smallholder families. To achieve...
Type de document: Rapport Numéro du rapport: 134556 Date du document: 31 décembre 2018 Mode de publication: Disclosed
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Piloting alternative access to finance for green small and growing businesses : lessons from South Africa (anglais)
A green lending product was designed to connect green investors, peer-to-peer lenders, intermediaries and green small and growing businesses in order to efficiently provide and deploy flexible working...
Type de document: Rapport Numéro du rapport: 127814 Date du document: 1 juin 2018 Mode de publication: Disclosed
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Disruptive Finance : Using Psychometrics to Overcome Collateral Constraints in Ethiopia (anglais)
This case study tells the story of the evolution of psychometric credit scoring as an innovative solution in a World Bank operation, from its humble beginnings as a small pilot in Ethiopia, to the current...
Type de document: Document de travail Numéro du rapport: 125731 Date du document: 1 janvier 2018 Mode de publication: Disclosed Auteur: Alibhai,Aly Salman,Buehren,Niklas,Coleman,Rachel Dawn,Goldstein,Markus P.,Strobbe,Francesco
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Piloting alternative access to finance for green small and growing businesses : lessons from South (anglais)
The case for supporting the growth of green Small and Growing Businesses (SGBs) is particularly strong in South Africa, as the imminent threat of climate change poses adverse implications for the way in...
Type de document: Rapport Numéro du rapport: 127693 Date du document: 1 janvier 2018 Mode de publication: Disclosed
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Are psychometric tools a viable screening method for small and medium-size enterprise lending ? evidence from Peru (anglais)
This study collaborated with the Entrepreneurial Finance Lab and a large bank in Peru to use psychometrics for small and medium-size enterprise lending. Applicants used a psychometric tool and those who...
Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS8276 Date du document: 14 décembre 2017 Mode de publication: Disclosed Auteur: Arraiz,Irani,Bruhn,Miriam,Ruiz Ortega,Claudia,Stucchi,Rodolfo Mario
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Algorithms for inclusion : data driven lending for women owned SMEs (anglais)
All over the world, women have less access to credit than men. Because of both discriminatory property laws and unwritten social customs, women are less likely than men to own high-value assets that can...
Type de document: Document de travail Numéro du rapport: 116858 Date du document: 26 juin 2017 Mode de publication: Disclosed Auteur: 000478170:Rachel Dawn Coleman:rcoleman1@worldban,k.org,Alibhai,Aly Salman,Achew,Mengistu Bessir,Coleman,Rachel Dawn,Khan,Anushe A.,Strobbe,Francesco
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Algorithms for inclusion : data driven lending for women owned SMEs (anglais)
All over the world, women have less access to credit than men. Because of both discriminatory property laws and unwritten social customs, women are less likely than men to own high-value assets that can...
Type de document: Fiche Numéro du rapport: 116981 Date du document: 1 juin 2017 Mode de publication: Disclosed Auteur: Alibhai,Aly Salman,Achew,Mengistu Bessir,Coleman,Rachel Dawn,Khan,Anushe A.,Strobbe,Francesco
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Psychometrics as a Tool to Improve Credit Information (anglais)
This paper studies the use of psychometric tests, designed by the Entrepreneurial Finance Lab (EFL), as a tool to screen out high credit risk and potentially increase access to credit for small business...
Type de document: Article de revue Numéro du rapport: 140525 Date du document: 30 mars 2016 Mode de publication: Disclosed Auteur: Arraiz,Irani,Bruhn,Miriam,Stucchi,Rodolfo Mario
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Psychometrics as a tool to improve access to credit (anglais)
Small and medium enterprises (SMEs) often face greater credit constraints than large firms because they lack audited financial statements and other information about their operations, and as a result...
Type de document: Fiche Numéro du rapport: 104019 Date du document: 1 mars 2016 Mode de publication: Disclosed Auteur: Arráiz,Irani,Bruhn,Miriam,Stucchi,Rodolfo Mario
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Contingent liabilities risk management : a credit risk analysis framework for sovereign guarantees and on-lending—country experiences from Colombia, Indonesia, Sweden, and Turkey (anglais)
Sovereign credit guarantees and government on-lending can catalyze private sector investment and fulfill specific policy objectives. However, contingent liabilities stemming from guarantees and contingent...
Type de document: Document de travail de recherche sur les politiques Numéro du rapport: WPS7538 Date du document: 22 janvier 2016 Mode de publication: Disclosed Auteur: Bachmair,Fritz Florian