Search Climate Insights Directory

The Financial Inclusion for Refugees (FI4R) baseline survey analyzes the demographics, income sources, and financial instrument usage of refugees and host communities across several Ugandan settlements, including Nakivale, Bidibidi, and Palorinya. It identifies a high reliance on informal savings and credit mechanisms, such as ASCAs and ROSCAs, and a significant shift toward mobile money usage after displacement. The report also outlines the specific implementation strategies of partner financial service providers—Equity Bank Uganda Limited, VisionFund Uganda, and the Rural Finance Initiative—to increase access to bank accounts, wholesale credit, and digitized savings products for these underserved populations.

The report assesses Zimbabwe's young and dynamic fintech ecosystem, which is currently dominated by digital payments and remittances. While mobile money has significantly increased financial access, the sector faces substantial hurdles, including a lack of early-stage funding, a risk-averse regulatory environment, and a near-monopoly by Econet/EcoCash. The document provides a comprehensive SWOT and PESTEL analysis and offers short, medium, and long-term recommendations to foster a more collaborative, innovative, and inclusive digital financial system.

The report identifies significant long-term financing gaps in Côte d’Ivoire's infrastructure, housing, and SME sectors, driven by a reliance on short-term bank lending and government borrowing that crowds out the private sector. Key hurdles include the lack of registered real estate for collateral, inadequate PPP frameworks, and a fragmented regional capital market. The document recommends structural reforms to land titling, the diversification of institutional investor mandates, and the strengthening of the national PPP unit to mobilize domestic and private capital.

As of 2018, approximately 80 percent of Bangladeshi households lacked access to clean cooking alternatives, with 74 percent of the rural population relying on biomass. While LPG adoption is growing at 8–10 percent annually due to government tax exemptions, other technologies like electric stoves (1.1% usage) and improved cookstoves (10% usage) face affordability and awareness barriers. Financing is heavily skewed toward improved cookstoves (ICS) via development finance institutions (DFIs) and government programs like IDCOL, while private sector participation remains limited except in the LPG sector. The proposed National Action Plan 2020–2030 estimates a total investment requirement of USD 2.9 billion to achieve 100 percent clean cooking access by 2030.

The document argues that while India has a growing green bond market, it primarily funds utility-scale projects, leaving a gap for small-scale green investments. It proposes green securitisation (ABS) as a mechanism to pool small loans for rooftop solar, electric vehicles, and sustainable agriculture, allowing non-bank financial institutions (NBFCs) to offload assets and increase lending capacity. The report identifies regulatory hurdles, such as strict credit rating requirements for institutional investors and a slow judicial system for contract enforcement, and provides six recommendations to increase the supply and demand for green ABS.

The report evaluates ten Global Resilience Partnership (GRP) Round 1 projects, which supported over 5 million people. Key findings highlight the effectiveness of 'layering' interventions, participatory design, and close government partnerships in increasing resilience. Successes include the deployment of early warning systems reaching 1.2 million people in Uganda, the empowerment of urban slum women in South Asia, and the implementation of road water harvesting benefiting 3 million people in Ethiopia. The synthesis emphasizes that combining traditional tools like microcredit with innovative digital technology and inclusive social strategies creates sustainable, transformational change.

The paper examines how digitising financial services can expand access to formal finance for underserved populations. It highlights South Africa's success in achieving high account ownership rates but argues that the focus must shift from simple access to 'quality financial inclusion'—emphasising productive usage, financial literacy, and the reduction of cash dependency in the informal economy. The author recommends a coordinated national strategy and enhanced public-private partnerships to address structural barriers and digital divides.

The assessment found that while small and mid-sized privately owned biodigesters provide health, environmental, and economic benefits, the 'community biodigester' model envisioned by Bangladesh's ILMM policy is not currently operational due to a lack of social capital and group financing. Adoption depends on access to finance, technical knowledge, livestock, and land.

The CARE-WWF Alliance implemented community-based management and climate-smart agriculture in Mozambique, leading to the 2012 designation of the Primeiras e Segundas archipelago as a protected area and improving food security and credit access for local populations.

The report examines the 'camp economy' in Rwanda, highlighting how refugees use mobile money and informal savings groups to manage funds due to barriers in formal banking. It identifies expired identity documents and unclear 'Know Your Customer' (KYC) regulations as primary obstacles to financial inclusion. While refugees demonstrate strong business acumen, most NGO-supported livelihoods only provide subsistence-level income, and there is a significant gap in access to credit for business expansion. The document argues that including host communities in financial initiatives and streamlining regulatory requirements for refugee IDs would create a more viable market for financial service providers.

The document argues that empowering women in artisanal and small-scale mining (ASM) requires a holistic approach combining economic, social, technical, and political interventions. Key recommendations include literacy and awareness campaigns to challenge traditional norms, technical and leadership training to reduce dependency on men, and the provision of gender-sensitive financial services and equipment. It emphasizes the need for legislative reforms, such as mandatory gender-impact assessments within environmental impact assessments, and the promotion of women-led cooperatives and associations to improve market access and governance.

The document argues that South Africa's informal economy, which employs 4.5 million people, is characterized by low incomes and poor security. It criticizes state-led repression and the narrow focus of micro-enterprise support, proposing instead a transition toward formalization through the implementation of ILO Recommendation 204. Key recommendations include amending the Labour Relations Act and Basic Conditions of Employment Act to recognize own-account workers as workers, enhancing labour inspectorate capacity, and providing basic infrastructure for those working in public spaces. The brief specifically highlights the need for inclusive policies in informal retail and waste recycling, suggesting that corporate responsibility and innovative financing, such as Extended Producer Responsibility levies, be leveraged to support these sectors.

The report argues that redirecting kerosene subsidies toward pico PV solar products can provide a cleaner, cost-effective lighting alternative for marginalized Indian households. It identifies a robust market of internationally verified products and diverse B2C business models, particularly those leveraging microfinance institutions (MFIs). While the swap is technically feasible, the report notes challenges such as the use of kerosene for cooking in Odisha and the prevalence of substandard, unverified products in Uttar Pradesh.

The report finds that refugees in Rwanda, particularly those with salaried jobs or self-employment, represent a viable and profitable market for financial service providers (FSPs). It highlights a strong demand for savings, transaction, and loan products, driven by the shift from food aid to cash-based transfers. However, the lack of government-issued ID cards creates a significant regulatory barrier for 'know your customer' (KYC) compliance. The report provides a dynamic business case model suggesting that the profitability of serving refugees is comparable to that of typical low-income Rwandan account holders, especially when cross-selling insurance and loan products.

The document highlights the persistent gender gap in financial inclusion in sub-Saharan Africa, where less than 30% of women hold financial institution accounts. It presents Savings Groups—member-owned collectives of 15-25 individuals—as a sustainable strategy to provide low-income women with access to savings, credit, and insurance. The FSD Network has invested over $28 million in these groups since 2008 across several African nations to bridge the gap between marginalized populations and formal financial services.

The report assesses executive education in the Sub-Saharan African financial sector, finding that while it generally improves employee skills and organisational prestige, there is a significant gap between theoretical teaching and practical application. It recommends a shift toward 'action-learning' and the establishment of specialised regional training hubs.

The study compares two different implementers of improved biomass-powered cookstoves in Kenya to determine how social relations and specific behaviour change techniques (BCTs) affect adoption rates. It finds that an implementer who targeted existing social groups with shared identities and provided ongoing post-sales support achieved significantly higher user satisfaction and a 'social multiplier effect,' where users recruited new users outside the original target groups.

The document details a February 2017 stakeholder meeting in Cotonou, Benin, focused on the role of Savings Groups (SGs) in promoting development. It highlights how SGs act as platforms for agricultural training and value chain participation, health financing and education, and as gateways to formal financial services. The report identifies challenges such as market access for agricultural products and a tension between the need for formal regulation and the value of informal learning processes. It concludes with priorities for the sector, including the creation of a national SG working group and a national mapping of SGs.

The document argues that while agricultural insurance can provide quick financial support after sudden disasters, it is ill-suited for slow-onset events like sea-level rise and gradual temperature increases. In Viet Nam and Thailand, insurance programmes have struggled with financial sustainability, low voluntary uptake, and high compensation rates. The brief suggests moving toward holistic risk management, including micro-finance, sovereign risk sharing, and transformative agricultural adaptations.

The document examines the partnership between FSD Kenya, the Commercial Bank of Africa (CBA), and Safaricom to launch M-Shwari. It details how FSD Kenya provided research and technical assistance to help CBA target low-income users, leading to rapid growth and increased financial inclusion. The study uses the AAER (Adopt, Adapt, Expand, Respond) framework to analyze the systemic impact of the product, including the expansion of credit access to poorer populations through the TOBOA project and the emergence of competitive products like KCB M-Pesa.