{"id":1850,"date":"2026-10-14T20:49:11","date_gmt":"2026-10-15T00:49:11","guid":{"rendered":"https:\/\/globalriskalliance.com\/development-finance-nexus\/?page_id=1850"},"modified":"2026-10-18T19:07:30","modified_gmt":"2026-10-18T23:07:30","slug":"financial-inclusion-sme","status":"publish","type":"page","link":"https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/financial-inclusion-sme\/","title":{"rendered":"Financial inclusion and small enterprises"},"content":{"rendered":"\n<!-- Nexus network page \u00b7 https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/financial-inclusion-sme\/ \u00b7 source authored \u00b7 generated by integrations\/wordpress\/network\/build.mjs, never edit this file --><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-fig-engine\" 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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n280sbdx.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n280sbdx.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n280sbdx.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n280sbdx.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n280sbdx.nxe :where(ul,ol){padding-left:20px}#nxe-n280sbdx.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n280sbdx.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n280sbdx.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n280sbdx.nxe svg{display:none}#nxe-n280sbdx.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n280sbdx.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n280sbdx.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"dossier\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A06 \u00b7 TOPIC \u00b7 financial-inclusion-sme<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Development Finance Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Development Finance Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Financial inclusion and small enterprises<\/h1><p class=\"nx-tagline\">Micro, small and medium enterprises employ most workers in developing economies, yet many cannot borrow on terms that let them grow. Development finance reaches them indirectly, through credit lines, risk-sharing facilities, guarantees and equity in financial institutions, so outcomes depend on the intermediaries. This page sets out how access constraints and credit risk develop in small enterprise and inclusive finance, which records evidence them, and who decides.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Dossier<\/strong><\/span><span class=\"nx-eyebrow\">A06 \u00b7 topic<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">Definition and scope<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">4 mechanisms<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">3<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-field\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Field<\/span><span class=\"nx-register-v\">H3 field plate<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">7<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Pipeline<\/span><span class=\"nx-register-v\">Run graph<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">6<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Decision holders<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-methods\"><span class=\"nx-register-n\">09<\/span><span class=\"nx-register-k\">Methods<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">5<\/span><\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 Established \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>Where projects sit, and which layer\u2026<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>Project pipeline and safeguards, in\u2026<\/a><a href=\"#nx-sec-question\"><span>04<\/span>Financial inclusion and small\u2026<\/a><a href=\"#nx-sec-terms\"><span>05<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>06<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>07<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>08<\/span>Where the evidence comes from<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">SME finance is the provision of credit and other financial services to micro, small and medium enterprises, which employ most workers in developing economies yet often cannot borrow on terms that let them grow. Development finance reaches them through intermediaries with credit lines, guarantees and risk sharing, whose reach and pricing set the outcome.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Where projects sit, and which layer protects them.<\/h2><p class=\"nx-lede\">Where development projects meet hazard and poverty, and which financing layer protects them. Hypothetical projects and design values.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"dfi-siting\" data-gl=\"sf:dfi-siting\" data-sf=\"dfi-siting\" data-sx-credit=\"Natural Earth (public domain) | relief: Mapzen Terrain Tiles | hypothetical projects and design values\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Mapzen Terrain Tiles relief (SRTM, GMTED2010, ETOPO1) ~ attribution as published by Mapzen ~ https:\/\/github.com\/tilezen\/joerd\/blob\/master\/docs\/attribution.md | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"layers\" aria-label=\"Interactive map: ten hypothetical projects in Mozambique and Malawi over a design hazard and a poverty proxy, linked to a risk-layering diagram. The panel chooses a layer or a project.\" 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\"><figcaption class=\"nx-fk-cap\"><span>Development projects in Mozambique and Malawi against hazard and poverty, with the financing layer that would protect each.<\/span><span data-honesty=\"true\">Hypothetical projects and design values; no country's strategy is shown.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A06\/topics\/financial-inclusion-sme\/#map\" data-nxf-title=\"Development Finance Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Console<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Project pipeline and safeguards, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-dfi-pipeline\" data-cx=\"dfi.pipeline\" data-variant=\"section\" aria-label=\"Project pipeline and safeguards: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Project pipeline and safeguards<\/h3><p class=\"nx-fk-sub\">Financial inclusion and small enterprises \u00b7 Country programme D \u00b7 Pipeline review 3<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Safeguard finding open<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Development Finance Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Pipeline<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-dfi-pipeline-t0\"><table class=\"nx-fk-table\" data-fk-table=\"cx-dfi-pipeline-t0\" aria-label=\"Pipeline\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Project<\/button><\/th><th scope=\"col\" data-col=\"c1\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Sector<\/button><\/th><th scope=\"col\" data-col=\"c2\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Climate screen<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Safeguards<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Stage<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-dfi-pipeline:r0-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Irrigation rehabilitation<\/td><td>Food and water<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Clear<\/span><\/td><td>Appraisal<\/td><\/tr><tr data-fk-key=\"cx-dfi-pipeline:r0-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Port expansion<\/td><td>Infrastructure<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Finding<\/span><\/td><td>Preparation<\/td><\/tr><tr data-fk-key=\"cx-dfi-pipeline:r0-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>SME credit line<\/td><td>Finance<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Clear<\/span><\/td><td>Board<\/td><\/tr><tr data-fk-key=\"cx-dfi-pipeline:r0-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Mini-grid programme<\/td><td>Energy<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Clear<\/span><\/td><td>Implementation<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"kv\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Handoff<\/h4><\/div><\/div><dl class=\"nx-fk-dl\"><div><dt>Readiness dossier<\/dt><dd>v2, reviewed<\/dd><\/div><div><dt>Receiving institution<\/dt><dd>development finance institution<\/dd><\/div><div><dt>Decision<\/dt><dd>theirs, not GRA's<\/dd><\/div><div><dt>Record<\/dt><dd>HO-674<\/dd><\/div><\/dl><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"map\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Projects and hazard<\/h4><p class=\"nx-fk-panel-sub\">red: high hazard exposure<\/p><\/div><\/div><div class=\"nx-cx-map\"><svg class=\"nx-cx-svg\" viewBox=\"0 0 480 250\" role=\"img\" aria-label=\"Projects and hazard: schematic on placeholder geography. Illustrative.\" focusable=\"false\"><rect class=\"cx-sea\" width=\"480\" height=\"250\" rx=\"4\"\/><path class=\"cx-land\" d=\"M464 125l.4 39.7-62 26.5-61.8 18.5-59.2 29.6-74.5-23-78.9 3-44.9-30.3-42.8-28.7-15.2-35.3 9.3-36.4 31.2-34.7 62.2-23.3 76.4-4.4 68.3 9.2 72.2 1.5 58.8 21.4 40.1 30.7z\"\/><path class=\"cx-haz2\" d=\"M278.6 112.5l-33.4 25.6-21.1 26.8-45.4 7.6-39.5-14.4-30.2-18.8-9.2-26.8.5-30.1 28.1-27.9 50.3-6.1 44.8 12.3 29.3 23.3z\"\/><circle class=\"cx-site-hot\" cx=\"102.1\" cy=\"112.8\" r=\"4.0\"\/><circle class=\"cx-site-hot\" cx=\"186.4\" cy=\"117.8\" r=\"5.7\"\/><circle class=\"cx-site-hot\" cx=\"89.0\" cy=\"50.9\" r=\"7.0\"\/><circle class=\"cx-site-hot\" cx=\"82.2\" cy=\"83.9\" r=\"7.7\"\/><circle class=\"cx-node\" cx=\"137.3\" cy=\"198.5\" r=\"7.4\"\/><circle class=\"cx-node\" cx=\"237.7\" cy=\"84.6\" r=\"7.2\"\/><circle class=\"cx-node\" cx=\"412.6\" cy=\"134.9\" r=\"7.0\"\/><circle class=\"cx-node\" cx=\"130.8\" cy=\"50.0\" r=\"3.9\"\/><circle class=\"cx-node\" cx=\"120.6\" cy=\"49.7\" r=\"5.5\"\/><circle class=\"cx-node\" cx=\"76.7\" cy=\"139.4\" r=\"5.0\"\/><circle class=\"cx-node\" cx=\"324.8\" cy=\"64.1\" r=\"5.4\"\/><circle class=\"cx-node\" cx=\"68.4\" cy=\"76.0\" r=\"5.9\"\/><circle class=\"cx-node\" cx=\"428.0\" cy=\"103.1\" r=\"4.0\"\/><circle class=\"cx-node\" cx=\"362.5\" cy=\"125.6\" r=\"5.1\"\/><circle class=\"cx-node\" cx=\"131.7\" cy=\"50.1\" r=\"5.2\"\/><circle class=\"cx-node\" cx=\"419.8\" cy=\"174.2\" r=\"7.0\"\/><text class=\"cx-lbl-s\" x=\"464\" y=\"236\" text-anchor=\"end\">Circle size: exposure value \u00b7 placeholder<\/text><g class=\"cx-north\"><path d=\"M458 30 L463 18 L468 30 Z\"\/><text class=\"cx-lbl-s\" x=\"463\" y=\"42\" text-anchor=\"middle\">N<\/text><\/g><\/svg><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Project pipeline and safeguards: the screen's structure, terms and states for Financial inclusion and small enterprises.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Financial inclusion and small enterprises: how the risk develops.<\/h2><p class=\"nx-lede\">Development finance and small enterprise access. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M17 18a2 2 0 0 0-2-2H9a2 2 0 0 0-2 2\"\/><rect width=\"18\" height=\"18\" x=\"3\" y=\"4\" rx=\"2\"\/><circle cx=\"12\" cy=\"10\" r=\"2\"\/><line x1=\"8\" x2=\"8\" y1=\"2\" y2=\"4\"\/><line x1=\"16\" x2=\"16\" y1=\"2\" y2=\"4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Information gaps raise the price<\/h3><p class=\"nx-p nx-mt-1\">Without credit histories, audited accounts or registered collateral, lenders price small borrowers as high risk or ask for collateral they lack. Credit bureaus and movable collateral registries narrow the gap.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" x2=\"21\" y1=\"22\" y2=\"22\"\/><line x1=\"6\" x2=\"6\" y1=\"18\" y2=\"11\"\/><line x1=\"10\" x2=\"10\" y1=\"18\" y2=\"11\"\/><line x1=\"14\" x2=\"14\" y1=\"18\" y2=\"11\"\/><line x1=\"18\" x2=\"18\" y1=\"18\" y2=\"11\"\/><polygon points=\"12 2 20 7 4 7\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Intermediaries decide the reach<\/h3><p class=\"nx-p nx-mt-1\">Credit lines and guarantees pass through banks and microfinance institutions whose appetite, pricing and targeting decide who borrows. Additionality is tested at the intermediary, where it is hardest to observe.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Shocks hit small borrowers first<\/h3><p class=\"nx-p nx-mt-1\">Downturns, currency moves and disasters cut small firms' cash flow faster than larger firms', and non-performing loans rise in exactly the segments inclusion programmes target.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Fast growth, over-indebtedness<\/h3><p class=\"nx-p nx-mt-1\">Rapid expansion of digital and micro credit can outrun borrower capacity and consumer protection, so that wider access becomes multiple borrowing and distress.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Partial credit guarantee<\/td><td data-label=\"Definition\">A guarantee covering part of a lender's loss on loans to a target group, such as small firms.<\/td><\/tr><tr><td data-label=\"Term\">Credit line<\/td><td data-label=\"Definition\">Funding provided to a local financial institution for on-lending to a target group.<\/td><\/tr><tr><td data-label=\"Term\">Over-indebtedness<\/td><td data-label=\"Definition\">Debt service so high relative to income that borrowers face persistent hardship.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Account ownership<\/td><td data-label=\"Unit\">percent of adults<\/td><td data-label=\"Cadence\">per survey round<\/td><td data-label=\"Source type\">Global Findex<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Firms citing access to finance as a major constraint<\/td><td data-label=\"Unit\">percent of firms<\/td><td data-label=\"Cadence\">per survey<\/td><td data-label=\"Source type\">World Bank Enterprise Surveys<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Borrowers from commercial banks<\/td><td data-label=\"Unit\">per thousand adults<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">IMF Financial Access Survey<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">MSME finance gap<\/td><td data-label=\"Unit\">US dollars<\/td><td data-label=\"Cadence\">per study<\/td><td data-label=\"Source type\">SME Finance Forum estimates<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Non-performing loans in partner institutions' small business portfolios<\/td><td data-label=\"Unit\">percent of gross loans<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Intermediary reports to the lender<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Claims paid under partial credit guarantees<\/td><td data-label=\"Unit\">percent of guaranteed portfolio<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Guarantee fund reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Women-owned enterprises reached<\/td><td data-label=\"Unit\">count<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">DFI results frameworks<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A06\/topics\/financial-inclusion-sme\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Financial inclusion and small enterprises as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a06-topics-financial-inclusion-sme-progra-t nx-dag-a06-topics-financial-inclusion-sme-progra-d\" data-nx-z=\"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\"><title id=\"nx-dag-a06-topics-financial-inclusion-sme-progra-t\">Financial inclusion and small enterprises: a programme through its gates<\/title><desc id=\"nx-dag-a06-topics-financial-inclusion-sme-progra-d\">A request with a named owner becomes a scoping note; inputs are qualified at a gate; delivery runs in workstreams; a controlled test and an independent review precede publication; the owner decides. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">Global Findex database (World Bank)<\/td><td data-label=\"What it gives\">Account ownership, saving, borrowing and digital payments by population group<\/td><td data-label=\"Licence class\">CC BY 4.0<\/td><\/tr><tr><td data-label=\"Source\">World Bank Enterprise Surveys<\/td><td data-label=\"What it gives\">Firm-level data on finance, constraints and performance<\/td><td data-label=\"Licence class\">Free with registration, terms of the survey<\/td><\/tr><tr><td data-label=\"Source\">IMF Financial Access Survey<\/td><td data-label=\"What it gives\">Supply-side data on access to and use of financial services<\/td><td data-label=\"Licence class\">Free, IMF terms<\/td><\/tr><tr><td data-label=\"Source\">SME Finance Forum MSME finance gap data<\/td><td data-label=\"What it gives\">Estimated finance gaps by country and firm size<\/td><td data-label=\"Licence class\">Free, attribution<\/td><\/tr><tr><td data-label=\"Source\">IFC project disclosures for financial intermediary investments<\/td><td data-label=\"What it gives\">Intermediary, instrument, target segment and environmental and social category<\/td><td data-label=\"Licence class\">Public under the IFC access to information policy<\/td><\/tr><tr><td data-label=\"Source\">Central bank financial stability and inclusion reports<\/td><td data-label=\"What it gives\">Credit quality, concentration and national inclusion strategy progress<\/td><td data-label=\"Licence class\">Public records, terms per central bank<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A06\/topics\/financial-inclusion-sme\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Development Finance Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Central banks and financial regulators<\/td><td data-label=\"The question\">How to strengthen credit infrastructure and consumer protection as access widens<\/td><td data-label=\"Evidence this page serves\">Access survey evidence, credit quality, complaint records<\/td><\/tr><tr><td data-label=\"Who decides\">DFI investment committees<\/td><td data-label=\"The question\">Whether a credit line or risk-sharing facility through an intermediary is additional and well targeted<\/td><td data-label=\"Evidence this page serves\">Intermediary portfolio data, access gaps, evaluation evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Guarantee fund boards<\/td><td data-label=\"The question\">How to set coverage, pricing and eligibility for partial credit guarantees<\/td><td data-label=\"Evidence this page serves\">Claims history, portfolio quality, uptake by segment<\/td><\/tr><tr><td data-label=\"Who decides\">Governments leading national inclusion strategies<\/td><td data-label=\"The question\">Which constraints to address first: identity, collateral, payments or credit information<\/td><td data-label=\"Evidence this page serves\">Findex and Enterprise Survey evidence, financial access data<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Access profiles by firm size, sex of owner and location<\/li><li>Intermediary risk evidence framed for lender review<\/li><li>Evaluation designs for credit lines and guarantees with identification stated<\/li><li>Question sets on additionality and consumer protection<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">What the industry asks.<\/h2><p class=\"nx-lede\">Households and small firms with access to savings, credit and insurance are better able to absorb shocks, invest in resilience and recover. Without them, a drought, illness or business disruption can push families into poverty and firms into closure. Development finance supports inclusion through credit lines, risk-sharing instruments and support for financial infrastructure, but poorly designed programmes can lead to over-indebtedness and harm.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>Who lacks access to financial services, and which barriers, such as cost, distance, documentation or trust, are most important?<\/li><li>How do small enterprises' financing needs differ by sector, size and gender of the owner?<\/li><li>How do financial services help households and firms cope with and recover from shocks?<\/li><li>What consumer protection is needed to prevent over-indebtedness and abuse?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How risk and finance interact.<\/h2><p class=\"nx-lede\">Inclusion depends on infrastructure, products and protection.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><line x1=\"19\" x2=\"19\" y1=\"8\" y2=\"14\"\/><line x1=\"22\" x2=\"16\" y1=\"11\" y2=\"11\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Access<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Reaching the excluded<\/h3><p class=\"nx-p nx-mt-1\">Digital payments, agent networks and simplified accounts have expanded access, but gaps remain for women, rural people and the poorest.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 20V4a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2v16\"\/><rect width=\"20\" height=\"14\" x=\"2\" y=\"6\" rx=\"2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">SME finance<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Small enterprise credit<\/h3><p class=\"nx-p nx-mt-1\">Lack of collateral, credit history and information makes lending to small firms costly. Credit infrastructure and risk-sharing help.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Protection<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Responsible finance<\/h3><p class=\"nx-p nx-mt-1\">Transparent pricing, fair treatment and complaint routes protect users, especially those new to formal finance.<\/p><\/div><\/div><p class=\"nx-p\">The resilience role of financial inclusion is increasingly recognized. Studies have found that access to mobile money helps households receive support from relatives after shocks, and that savings and insurance reduce the need for harmful coping strategies. At the same time, rapid expansion of digital credit has raised concerns about over-indebtedness, which makes consumer protection central to inclusion.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-evidence\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and evidence<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How the evidence is built, and its limits.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Inclusion surveys<\/h3><p class=\"nx-p nx-mt-1\">Household and enterprise surveys measure access and use. They are periodic and may miss rapid change.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Impact evaluation<\/h3><p class=\"nx-p nx-mt-1\">Randomized and quasi-experimental studies using <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/mathematics\/causal-inference\/\" target=\"_blank\" rel=\"noopener\">causal inference and impact evaluation<\/a> show mixed effects of microcredit and stronger evidence for some savings and insurance products.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Credit infrastructure assessment<\/h3><p class=\"nx-p nx-mt-1\">Review of credit registries, collateral registries and insolvency regimes.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Market data<\/h3><p class=\"nx-p nx-mt-1\">Aggregated data from providers, subject to confidentiality and competition safeguards.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/stem\/causal-inference\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Causal inference and impact evaluation<\/span><span class=\"nx-mledger-role\">Evaluating a credit line or guarantee \u00b7 Infrastructure impact on households<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/causal-inference\/\" aria-label=\"Causal inference and impact evaluation: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/stem\/economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Economics and development economics<\/span><span class=\"nx-mledger-role\">Economic appraisal of a project \u00b7 Debt sustainability context \u00b7 Tariff and subsidy incidence<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/economics\/\" aria-label=\"Economics and development economics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/stem\/geospatial\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Geospatial information systems<\/span><span class=\"nx-mledger-role\">Safeguard screening of a project footprint \u00b7 Physical climate exposure of assets<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/geospatial\/\" aria-label=\"Geospatial information systems: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/stem\/agricultural-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Agricultural, soil and food science<\/span><span class=\"nx-mledger-role\">Irrigation scheme appraisal \u00b7 Index insurance and credit design<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/agricultural-science\/\" aria-label=\"Agricultural, soil and food science: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/stem\/decision-analysis\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">05<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Decision analysis under uncertainty<\/span><span class=\"nx-mledger-role\">Robust choice of design standard \u00b7 Multi-criteria pipeline screening<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/decision-analysis\/\" aria-label=\"Decision analysis under uncertainty: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Survey-based access measures are infrequent and sampled; informal firms are under-represented in Enterprise Surveys. Finance gap estimates are models with strong assumptions. Intermediary data are reported to lenders and rarely published at loan level. Additionality is inferred, not observed. The platform describes evidence for inclusion and credit risk; it gives no advice to borrowers, lenders or investors.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is additionality in development finance?<\/summary><div class=\"nx-answer\">The contribution an official intervention makes beyond what the market would provide alone, financial or non-financial. It is assessed before approval and tested in evaluation, usually by comparison with what would otherwise have happened.<\/div><\/details><details><summary>How do partial credit guarantees work?<\/summary><div class=\"nx-answer\">A guarantor covers part of a lender's loss on eligible loans, so the lender can extend credit to borrowers it would otherwise decline. Design choices on coverage and pricing decide whether new borrowers are reached.<\/div><\/details><details><summary>Why do inclusion programmes need consumer protection?<\/summary><div class=\"nx-answer\">Faster access to credit can lead to multiple borrowing and over-indebtedness. Disclosure rules, complaint channels and credit reporting help keep wider access from turning into distress.<\/div><\/details><details><summary>Does microcredit reduce poverty?<\/summary><div class=\"nx-answer\">Rigorous evaluations show modest and varied effects. Access to savings, payments and insurance may matter as much as credit for resilience.<\/div><\/details><details><summary>Why is SME finance difficult?<\/summary><div class=\"nx-answer\">Small firms often lack collateral, audited accounts and credit histories, which raises the cost and risk of lending to them.<\/div><\/details><details><summary>Does GRA provide finance to SMEs?<\/summary><div class=\"nx-answer\">No. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, introduce counterparties or take transaction-based pay, and readiness work is not approval.<\/div><\/details><details><summary>How does insurance support resilience?<\/summary><div class=\"nx-answer\">It can protect households and firms from losses that would otherwise force them to sell assets or close, if products are affordable, trusted and pay claims reliably.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around Development Finance Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/country-programme-readiness\/\">Country programme readiness <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/public-investment-and-projects\/\">Public investment and projects <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/climate-adaptation-finance\/\">Climate adaptation finance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/food-water-energy-investment\/\">Food, water and energy investment <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/social-and-inclusion\/\">Social risk and inclusion <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/financing-gaps-and-evidence\/\">Financing gaps and evidence <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/\">Development Finance Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Development Finance Nexus<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Development%20Finance%20Nexus%3A%20Financial%20inclusion%20and%20small%20enterprises\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/development-finance-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/financial-inclusion-sme\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/development-finance-nexus\/topics\/financial-inclusion-sme\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is additionality in development finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The contribution an official intervention makes beyond what the market would provide alone, financial or non-financial. 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