MFC connects microfinance providers with regulated insurance companies to improve and expand clients’ access to quality microinsurance products The three-year “Facilitating Widespread Access to Microinsurance Services” collaboration between MFC, the MicroInsurance Centre and Microfinance Opportunities worked in Armenia and Vietnam to combine microinsurance product development with client education. The goal of
Our research into entrepreneurship and value chains helps us to understand the factors enabling poverty reduction and growth in region Recent projects include: Microentrepreneurs in Poland: to conquer or to survive? This project assessed the growth potential of Polish microenterprises and their competitive environment. In doing so, we conducted 500
Financial health is the condition in which a household effectively manages its income and expenses, is resilient to financial shocks and plans its financial future with the long-term perspective. In the short-term, it is important to balance income and expenses and be able to generate income surpluses, to timely pay
As part of a multi-component project funded by European Commission, MFC is developing and testing methodology of Access to Finance Barometer that will provide insights into the country-level access to finance issues and priorities in 10 EU countries. The purpose of the AFS Barometer is to assess the level of
This study focused on client over-indebtedness in Bosnia and Herzegovina, levels of which were the highest in the Central and Eastern Europe market. The study results confirm that a sizeable proportion of borrowers in Bosnia and Herzegovina experience difficult financial situations and have problems repaying their debts. Project dates July
This study examined the application of customer protection principles, access to financial services and the risk of over-indebtedness among low-income clients in Bosnia Herzegovina. The findings confirmed a high level of indebtedness and, in certain client segments, cross-borrowing and potential risk of over-indebtedness. The study found the interest in and
This study sought to understand whether there is a problem of (over-)indebtedness among microcredit clients in Kosovo. Through analyzing credit bureau data and conducting surveys with financial institutions and clients, we were able to: understand the debt levels and underlying borrowing patterns of clients identify demand- and supply-side factors influencing over-indebtedness
In this study, MFC analyzed data from the CIB “Ishenim” credit bureau, which manages borrower information from around 50 financial institutions (banks and MFIs) in Kyrgyzstan. The objectives were to: measure clients’ level of debt use understand patterns of credit use identify credit use characteristics and demographic features of clients
This study on the risk of over-indebtedness in the ECA region was carried out in partnership with the Azerbaijan Micro Finance Association (AMFA). The objectives were to: Understand the debt levels and underlying borrowing patterns of clients Identify demand and supply factors that influence over-indebtedness Recommendations solutions for over-indebtedness in
This report analyses the level of indebtedness of MSME credit customers and the quality of finance in Bosnia and Herzegovina (BiH). The objectives of the follow-up study in 2013 were to: assess the current level of indebtedness and repayment performance of micro, small and medium enterprises (MSMEs) and retail borrowers
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