市场调查报告书
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1479981
小额信贷市场评估:依机构类型、产业、目的、最终用户和地区划分的机会和预测(2017-2031)Microfinance Market Assessment, By Institution Type, By Industry and Purpose, By End-user, By Region, Opportunities and Forecast, 2017-2031F |
全球小额信贷市场规模预计将从 2023 年的 2,525.3 亿美元成长到 2031 年的 6,257 亿美元,2024-2031 年预测期间复合年增长率为 12.01%。
小额信贷市场是金融业的重要组成部分,面向特定客户和借款人。全球小额信贷市场对于向服务不足和经济上被排斥的人群(特别是新兴经济体)提供金融服务至关重要。
数位转型:
数位转型正在彻底改变全球小额信贷市场,使小额信贷机构 (MFI) 和其他进入者能够提高营运效率、扩大覆盖范围并向服务不足的人群提供融资,从而实现更大的包容性。全球小额信贷市场及其产品和服务的数位转型引人注目。数位科技对全球小额信贷市场产生了重大影响,改变了贷款申请、处理和服务的方式。透过采用数位技术,可以重组传统的小额信贷实践,转变服务交付方式,并为客户提供创新的金融解决方案。
重视女性赋权:
妇女赋权是全球小额信贷市场变革的主要焦点和力量,因为它对个人、家庭和社区产生积极的社会和经济影响。为了世界经济的成长,妇女参与劳动市场是必要的。许多机构和政府以某种方式促进妇女参与劳动市场,小额信贷机构在为妇女小型企业融资方面发挥着至关重要的作用。
金融包容性与解决未满足的需求:
金融包容性和解决未满足的需求是全球小额信贷市场的基本驱动力。小额信贷机构在扩大金融包容性方面发挥着重要作用,特别关注因各种社会、地理和其他因素而被排除在传统银行体系之外的人和个人。小额信贷机构充当桥樑,提供适合边缘社区、农村人口和低收入家庭需求的金融产品。
本报告调查了全球小额信贷市场,并提供了市场定义和概述、市场规模趋势和预测、各个细分市场、地区和主要国家的详细分析、行业结构以及影响市场成长的因素分析、案例研究、竞争格局、主要公司的简介等等。
Global microfinance market is projected to witness a CAGR of 12.01% during the forecast period 2024-2031, growing from USD 252.53 billion in 2023 to USD 625.7 billion in 2031. The microfinance market is an important component of the financing industry catering to a specific set of customers or borrowers. The global microfinance market is crucial in providing financial services to underserved and financially excluded populations, particularly in developing economies.
Microfinance institutions (MFIs) and organizations specialize in offering small-scale financial products and services, including microloans, savings accounts, insurance, and payment services, to low-income individuals and micro-entrepreneurs who lack access to traditional banking services. The global microfinance market represents a transformative approach to financial inclusion and poverty alleviation, providing essential financial services to underserved individuals and micro-entrepreneurs in both rural and urban areas worldwide.
Microfinance institutions (MFIs) are pivotal in empowering low-income populations by offering microloans, savings accounts, insurance, and other tailored financial solutions. The market catalyzes economic development, enabling individuals to start or expand small businesses, generate income, and improve their livelihoods. At the heart of the global microfinance market is the principle of democratizing access to finance, particularly for those excluded from traditional banking systems due to limited collateral, credit history, or geographic isolation. By leveraging innovative approaches and technology, MFIs bridge the gap between financial services and marginalized communities, fostering resilience and economic self-sufficiency. Despite regulatory constraints and economic uncertainties, the global microfinance market remains resilient, driven by a shared commitment to social impact and sustainable development. As the market matures and diversifies its offerings, it holds promise for driving inclusive growth and building more equitable societies where financial services are accessible to all, regardless of socioeconomic status or geographic location.
Digital Transformation
Digital Transformation is revolutionizing the global microfinance market, enabling microfinance institutions (MFIs) and other market players in microfinance to enhance operational efficiency, expand outreach, and improve financial inclusion for underserved populations. The digital transformation of the global microfinance market and its products and services is tremendous. It has profoundly impacted the global microfinance market, revolutionizing how loans are applied, processed, and serviced. Adopting digital technologies reshapes traditional microfinance practices, transforms service delivery, and empowers clients with innovative financial solutions.
Digital transformation enables MFIs to reach clients in remote and underserved areas through mobile banking, agent banking, and online platforms. Clients can access financial services conveniently using smartphones, reducing barriers to entry and improving overall accessibility. Fintech startups are partnering with MFIs to develop innovative solutions such as peer-to-peer lending platforms, mobile wallets, and digital credit scoring tools. These technologies enable MFIs to expand their product offerings, improve customer experiences, and automate loan processing.
In January 2024, Ebdaa Bahrain Microfinance Company has struck a cooperation agreement with MFSYS Technologies Limited, a global provider of banking automation and digital software solutions tailored to the microfinance and banking industries. The goal is to fully digitize all banking services provided by the company to individuals and SME owners, marking a significant step towards strengthening its digital transformation strategy, delivering innovative, seamless banking services, and improving the overall digital experience for the company's customers.
Focus on Women's Empowerment
Women empowerment is a major focus and a transformative force within the global microfinance market, driving positive social and economic outcomes for individuals, families, and communities. For the growth of global economy, the inclusion of women is necessary in the workforce and in one way or another many institutions and governments are promoting women to join the workforce and such that the MFIs play a pivotal role by providing finances to women for their small and micro businesses.
Microfinance facilitates access to capital and funds for women entrepreneurs and borrowers lacking collateral or formal credit history or scores. MFIs offer microloans, savings accounts, and insurance products tailored to women's needs, enabling them to start or expand small businesses and improve their economic status and empower them to be an entrepreneur and earn income and livelihoods. Women-led businesses supported by microfinance contribute to economic growth, job creation, and community poverty reduction. Access to financial resources empowers women to make independent financial decisions, invest in education, and healthcare, and secure their families' futures. Economic empowerment enhances women's self-esteem, agency, and leadership within households and communities.
As of FY2023, Fusion Microfinance, which operates under the Joint Liability Model, had issued loans to almost 36 lakh women across India. MFIs in India have played a significant role in the provision of modest credit, particularly to underserved communities with no collateral.
Financial Inclusion and Addressing Unmet Demand
Financial inclusion and addressing unmet demands are the fundamental drivers of global microfinance market. MFIs play a key role in the expansion of financial inclusion, especially the people or individuals who are excluded from the traditional banking system due to various factors, be it social or geographical. MFIs serve as a bridge, reaching marginalized communities, rural populations, and low-income households with tailored financial products. Certain initiatives aim to provide accessibility to essential financial services such as credit and savings.
Microfinance empowers underserved populations, including women, rural communities, smallholder farmers, and informal sector workers, by providing them with the tools and resources needed to improve their economic well-being. Access to micro-loans and savings accounts enables individuals to invest in income-generating activities and building financial resilience. Due to stringent policies and processes of banks and other financial institutions, there is a huge chunk of the population for whom credit availability is limited or inaccessible, irrespective of the rate of interest.
Future Market Scenario (2024 - 2031F)
The ongoing digital transformation will continue to drive innovation in global microfinance market. Fintech companies will leverage technology to enhance customer experiences, streamline loan processes, and offer personalized products tailored to individual borrower profiles.
Mobile and agent banking services will be critical in expanding financial inclusion, particularly in underserved rural areas. Mobile money platforms will facilitate cashless transactions, loan disbursements, and savings mobilization, improving access to financial services for marginalized communities.
MFIs will increasingly leverage data analytics and alternative credit scoring models to assess creditworthiness and expand access to credit for individuals without traditional credit histories. Big data will enable more accurate risk assessment and personalized financial solutions.
Key Players Landscape and Outlook
The outlook for global microfinance market is highly positive. The market is expected to continue to grow and expand in the coming years. Increasing consumer demand for finances among consumers of various demographics and diverse industries is expected to fuel the market growth. Continued digital transformation and adoption of fintech solutions will enhance the accessibility and efficiency of microfinance, attracting tech-savvy borrowers. Financial institutions like banks, MFIs, NBFCs, fintech companies, and peer-to-peer lending platforms will incorporate more advanced technologies like AI and ML in the coming years. As a major chunk of the population in the developing regions of Asia and Africa will be exposed to digitization and urbanization, they will adapt to online banking system and will further push the market growth.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work