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1
Cover SlideMonth Year
April 2014
@womensworldbnkg
2
5
Women’s World Banking’s Global Footprint
30+ years being the largest network in microfinance
19 million active clients
75% women
Women’s World Banking is also working with partners in Malawi, Nigeria, Tanzania, and Cambodia
39 institutions
$6.9 billion in outstanding loan portfolio
$4.4 billion in deposits
3Source: World Bank FINDEX databaseNotes: Map shows % women with account at a formal institution, 2011. Data points show total population 2010 and regional averages for % women who have accounts at formal financial institutions and % of women who accessed a loan from a formal financial institution within the last year, using 2011 data.
MENA:
Population 0.3B
Sub-Saharan Africa:
Population 0.9B
South Asia:
Population 1.6B
LATC:
Population 0.6B
Eastern Europe, Central Asia:
Population 0.4B
East Asia and Pacific:
Population 2.0B
40%7%
12%4%
52%
8%
25%8%
21%4%
35%7%
% women with an account at formal financial institutionOECD avg.=89%
% women accessed a formal loanOECD avg.=12%
Regional data key:
The gap in access to finance for women globally
4
Incubate & Pilot
Solutions based on listening to clients
ScaleResearch
Design and test innovations, while providing appropriate financial education
Maximize outreach to women
Women’s World Banking’s approach
Strengthening Internal Systems
Expanding Marketing Capability
Staff Training
Demonstrate the business case for investing in women
Prove
Build capacity to support innovation
Leadership
Share lessons learned and best practices with network and facilitate peer learning
Dissemination of Knowledge
Expand and improve the collection of gender-based financial and social performance indicators
Gender Performance Initiative
5
Women’s World Banking develops innovative financial products to meet the dynamic needs throughout a woman’s life
Expanding Financial Access
MarriageStart a business
ChildbirthEducation
Home ownershipHealth
Children’s education and marriageSupported by family
Credit (C) Insurance (I) Savings (S)
YOUTH
LATE ADULTHOOD ADULTHOOD
YOUNG ADULT
S C
S I S C I
S C I
6
Use of Shapes If filled in color, shapes must
NOT:▫ Have an outline▫ Be embossed▫ Have a shadow
If the shape is bounding some text with a white background: use any weight, just make sure to change Shape Outline (by right clicking the Shape, click ‘Format Shape’ and go to Line Style) Cap type to Flat and the Join type to Miter
Use of Smart Art Many SmartArt options use
rounded edges for their shapes. You can change this by right clicking on the shape and selecting “Change Shape”. Pick the next closest shape that has flat edges
Powerpoint does not allow you to change the bullet style of
Use of Tables Create a table as you normally
would. Use only the Light table styles for any stylization.
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would. Make sure there is no shadowing or embossing on the chart (be it Pie, Line, Bar etc).
Also make sure to change the Line Style (by double clicking the line) Cap type to Flat and the Join type to Miter
Example of our work -- rural credit in Latin America
Findings Men and women in rural families (and loan officers)
underestimate women’s contribution to the household income. Loan officers might not even analyze a women’s income as
part of the loan assessment.
Implications Women are excluded as customers and a significant portion
of the family income is disregarded. There is increased credit risk in relying on the income from
one large harvest for repayment and not taking into account the steady cash flow of women’s activities.
Solutions Modify existing credit methodologies to measure the entire family
income growth potential. Allow multiple loans per household. Train staff to see women as viable and valuable clients. Raise awareness of women’s contributions. Create multiple loan products for different needs (livestock,
machinery, artisan).
ColombiaFundacion delamujer50% of disbursed loans were to women, 50% of total disbursed loans were to new women clients
ParaguayInterfisa Financiera32% of disbursed loans were to women, 36% of total disbursed loans were to new women clients
PeruCaja Arequipa67% of disbursed loans were to women, 70% of total disbursed loans were to new women clients
Project Outcomes:
As of February 2014, 44,073 loans have been disbursed to clients, 46% of whom are women. A little less than half of the clients who have received a loan are new clients, i.e., they have never before received a loan from these
institutions – and likely had never received a loan, from any formal financial institution.