全球小额信贷市场规模（按类型、提供者、最终用户、地区和预测）

小额信贷市场规模及预测

2024 年小额信贷市场规模为 2,175 亿美元，预计到 2032 年将达到 4,088.9 亿美元，2026 年至 2032 年的复合年增长率为 8.21%。

小额信贷是指针对无法获得传统业务及相关服务的个人和小型企业提供的一类金融服务。这些服务通常提供给无力获得金融服务的失业和低收入个人或群体。小额信贷的目标是为贫困人口提供自立的机会。

市场驱动因素

扩大金融包容性，惠及无银行帐户族群－对金融包容性的渴望，尤其是在开发中国家，是全球小额信贷业务的主要驱动力。根据 Verified Market Research 的数据，全球约有 14 亿人没有银行帐户银行帐户，而小额信贷机构为他们提供了获取信贷和金融服务的关键途径。随着小额信贷满足银行帐户的需求，小额信贷行业正在迅速扩张。

增加对中小微型企业（MSME）的支持力度－中小微型企业严重依赖小额信贷服务获取资金。根据国际金融公司（IFC）的数据，全球整体中小微型企业面临5.2兆美元的融资缺口，6,500万家企业缺乏充足的金融服务。小额信贷产业已成为中小企业融资的重要来源，随着中小企业寻求灵活的资金筹措选择，小额信贷市场正在不断扩张。

更重视增强妇女经济权能－小额信贷有助于增强妇女经济权能，尤其是在开发中国家。根据《2021年小额信贷晴雨表》，全球约80%的小额信贷借款人为女性，这凸显了市场在增强妇女金融包容性和支持创业活动方面发挥的作用，进一步促进了市场扩张。

主要挑战

高利率－小额信贷产业面临的主要批评之一是通常收取的高利率。高利率源自于高营运成本和高风险因素，被批评为剥削性的。

过度负债－过度负债风险是小额信贷客户关注的问题。过度负债和无力偿还贷款被认为是确保小额信贷模式永续性的关键挑战。

监管挑战－许多国家对小额信贷产业的监管力度日益加强。如何平衡促进金融包容性与保护消费者的需求，对监管机构和市场参与企业而言都是一项微妙的挑战。

主要趋势

数位转型—小额信贷产业正在迅速数位化，越来越多地利用数位平台来简化业务并改善客户体验，从贷款申请到支付和还款。

重视影响力衡量－人们越来越重视衡量和报告小额信贷活动的社会影响力。投资者和相关人员要求有透明且可量化的指标来评估小额信贷在实现其社会目标方面的有效性。

产品多样化－小额信贷机构正在超越基本的信贷服务，推出小额保险、小额储蓄等专门的金融产品，以满足低收入群体的多样化需求。

小额信贷市场区域分析

小额信贷市场的区域分析如下：

亚太地区：

根据 Verified Market Research 的调查，预计亚太地区将在预测期内主导小额信贷市场。该地区正经历政府主导的金融包容性倡议的激增，旨在为银行帐户提供负担得起的金融服务。根据 2021 年全球金融包容性资料库 (Global Findex Database)，全球约有 17 亿成年人没有银行帐户，其中大多数位于亚太地区。截至 2022 年，印度的 Pradhan Mantri Jan Dhan Yojana 等倡议已使银行帐户银行帐户数量增加了 4.6 亿多，极大地刺激了对小额信贷的需求。

亚太地区中小微型企业的崛起带动了对小额信贷服务的需求不断增长。光是在印度，中小微型企业就贡献了约30%的GDP，并僱用了超过1.11亿人。根据亚洲开发银行的报告，2020年亚太地区中小微型企业的融资缺口将达到2.7兆美元，凸显了小额信贷在支持企业成长和经济发展方面发挥的关键作用。

此外，亚太地区有很大一部分人口居住在农村地区，这些地区正规银行服务的取得管道有限。根据世界银行的数据，截至2021年，东南亚超过50%的人口居住在农村地区，其中许多人依靠小额信贷机构获得贷款。例如，孟加拉的格莱珉银行已覆盖超过900万借款人，为农村地区提供了至关重要的信贷管道，并增强了服务匮乏地区的经济稳定性。

北美：

预计北美地区将在预测期内实现最高成长率。北美，尤其是美国，拥有不断增长的移民人口，他们依赖小额信贷机构获取资金和金融服务。根据移民政策研究所的数据，截至2020年，美国共有5,100万移民，约占总人口的15%。许多移民利用小额信贷服务创办小型企业，推动了该地区的市场发展。

儘管北美银行渗透率很高，但仍有相当一部分人口银行帐户或银行帐户，这催生了对替代金融服务的需求。美国联邦存款保险公司 (FDIC) 在 2021 年报告称，约有 4.5% 的美国家庭（590 万户）银行帐户，14.1% 的银行帐户，依赖小额信贷机构获得贷款和信贷。

此外，北美的政府倡议和非营利组织致力于扩大女性和少数族群企业家的金融包容性。根据美国全国妇女商业委员会的数据，截至2020年，美国共有1,300万家女性拥有的企业。其中许多企业家依靠小额信贷机构获得小额贷款，从而刺激了北美小额信贷产业的发展。

目录

第一章 全球小额信贷市场简介

• 市场概览
• 研究范围
• 先决条件

第二章执行摘要

第三章：已验证的市场研究调查方法

• 资料探勘
• 验证
• 第一手资料
• 资料来源列表

第四章 全球小额信贷市场展望

• 概述
• 市场动态
  • 驱动程式
  • 限制因素
  • 机会
• 波特五力模型
• 价值链分析

第五章全球小额信贷市场类型

• 概述
• 团体贷款
• 个人贷款

6. 全球小额信贷市场（依提供者）

• 概述
• 银行
• 非银行金融机构
• 小额信贷机构

7. 全球小额信贷市场（依最终用户）

• 小型企业
• 微企业

8. 全球小额信贷市场（按地区）

• 概述
• 北美洲
  • 美国
  • 加拿大
  • 墨西哥
• 欧洲
  • 德国
  • 英国
  • 法国
  • 义大利
  • 西班牙
  • 其他欧洲国家
• 亚太地区
  • 中国
  • 日本
  • 印度
  • 其他亚太地区
• 世界其他地区
  • 拉丁美洲
  • 中东和非洲

第九章全球小额信贷市场竞争格局

• 概述
• 各公司市场排名
• 主要发展策略

第十章 公司简介

• Bandhan Bank
• Bank Rakyat Indonesia
• BRAC
• Compartamos Banco
• Grameen Bank
• ASA
• SKS Microfinance
• Al Amana Microfinance
• Accion International
• Access Bank

第十一章 重大进展

• 推出/开发服务类型
• 合併与收购
• 业务扩展
• 伙伴关係与合作

第十二章 附录

• 相关调查

Microfinance Market Size And Forecast

Microfinance Market size was valued at USD 217.5 Billion in 2024 and is projected to reach USD 408.89 Billion by 2032, growing at a CAGR of 8.21% from 2026 to 2032.

Microfinance is defined as a category of financial services targeting individuals and small businesses who lack access to conventional banking and related services.These services are typically provided to unemployed or low-income individuals or groups who otherwise have no means to gain financial services.The goal of microfinance is to give impoverished people an opportunity to become self-sufficient.

Key Market Drivers

Expanding Financial Inclusion for Unbanked Populations: The desire for financial inclusion, particularly in developing countries, is a key driver of the worldwide microfinance business. According to Verified Market Research, around 1.4 billion individuals worldwide are unbanked, with microfinance institutions providing crucial access to credit and financial services for this demographic. As microfinance meets the requirements of unbanked people, the industry expands swiftly.Rising Support for Micro, Small, and Medium Enterprises (MSMEs): MSMEs rely largely on microfinance services to obtain capital. According to the International Finance Corporation (IFC), MSMEs face a $5.2 trillion financing gap globally, with 65 million enterprises lacking adequate access to financial services. The microfinance industry has emerged as a critical source of capital for smaller businesses, fueling market expansion as small businesses seek flexible financing options.

Increasing Focus on Women's Economic Empowerment: Women represent a significant portion of microfinance borrowers, as these services help empower women economically, especially in developing nations. According to the Microfinance Barometer 2021, around 80% of microfinance borrowers globally are women, showcasing the market's role in enhancing financial inclusion for women and supporting their entrepreneurial activities, further driving market expansion.

Key Challenges

High Interest Rates: One of the main criticisms faced by the microfinance sector is the high interest rates that are often charged. These rates, which are necessitated by high operational costs and risk factors, are being seen as potentially exploitative by some critics.

Over-indebtedness: There are concerns about the risk of over-indebtedness among microfinance clients. Multiple borrowing and the inability to repay loans are being identified as significant challenges that need to be addressed to ensure the sustainability of the microfinance model.

Regulatory Challenges: The microfinance sector is being subjected to increasing regulatory scrutiny in many countries. Balancing the need for consumer protection to promote financial inclusion is being seen as a delicate challenge for regulators and market participants alike.

Key Trends

Digital Transformation: The microfinance sector is being rapidly digitalized. From loan applications to disbursements and repayments, digital platforms are being increasingly used to streamline operations and improve customer experience. Focus on Impact Measurement: There is a growing emphasis on measuring and reporting the social impact of microfinance activities. Investors and stakeholders are increasingly demanding transparent and quantifiable metrics to assess the effectiveness of microfinance in achieving its social goals.Diversification of Products: Microfinance institutions are expanding beyond basic credit services. Micro-insurance, micro-savings, and other specialized financial products are being introduced to meet the diverse needs of low-income clients.

Microfinance Market Regional Analysis

The regional analysis of the microfinance market is provided below:

Asia Pacific:

According to Verified Market Research, Asia Pacific is estimated to dominate the microfinance market over the forecast period. The Asia-Pacific region has witnessed a surge in government-led financial inclusion initiatives aimed at providing affordable financial services to the unbanked population. According to the Global Findex Database 2021, nearly 1.7 billion adults worldwide remain unbanked, with a significant portion located in the Asia-Pacific. Initiatives such as India's Pradhan Mantri Jan Dhan Yojana have added more than 460 million bank accounts as of 2022, significantly boosting microfinance demand.

The rise of MSMEs in Asia-Pacific has led to increased demand for microfinance services. In India alone, MSMEs contribute around 30% to GDP and employ over 111 million people. The Asian Development Bank reported that the funding gap for MSMEs in the Asia-Pacific region stood at $2.7 trillion in 2020, highlighting the vital role microfinance plays in supporting business growth and economic development.

Furthermore, a large portion of the Asia-Pacific population resides in rural areas where access to formal banking services is limited. According to the World Bank, as of 2021, more than 50% of the population in Southeast Asia lives in rural areas, with many relying on microfinance institutions for credit. For example, Bangladesh's Grameen Bank has reached over 9 million borrowers, providing critical access to rural credit and enhancing economic stability in underserved regions.

North America:

The North American region is expected to exhibit the highest growth rate during the forecast period. North America, particularly the United States, has a growing immigrant population that relies on microfinance institutions for access to capital and financial services. According to the Migration Policy Institute, as of 2020, there were 51 million immigrants in the U.S., comprising about 15% of the total population. Many immigrants use microfinance services to start small businesses, driving the market in the region.

Despite the high banking penetration in North America, a substantial portion of the population remains unbanked or underbanked, creating demand for alternative financial services. The Federal Deposit Insurance Corporation (FDIC) reported in 2021 that approximately 4.5% of U.S. households (or 5.9 million) were unbanked, and 14.1% were underbanked, relying on microfinance institutions for loans and credit.

Furthermore, government initiatives and non-profit organizations in North America have been focusing on increasing financial inclusion for women and minority entrepreneurs. According to the National Women's Business Council, there are 13 million women-owned businesses in the U.S. as of 2020. Many of these entrepreneurs depend on microfinance institutions for small loans, which has fueled the growth of the microfinance sector in North America.

Global Microfinance Market: Segmentation Analysis

The Microfinance Market is being segmented based on Type, Provider, End-user, and Geography.

Microfinance Market, By Type

• Group Lending
• Individual Lending

Based on Type, the market is segmented into Group Lending and Individual Lending. The group lending segment is estimated to dominate the market over the forecast period. Group lending models, where loans are provided to a group of borrowers who collectively guarantee each other's debts, are being favored due to their lower risk and higher repayment rates. This model is particularly popular in rural areas and among women borrowers. However, individual lending is also gaining traction, especially in urban areas and for larger loan amounts, as it offers more flexibility to borrowers.

Microfinance Market, By Provider

• Banks
• Non-Banking Financial Institutions
• Micro Finance Institutions

Based on Provider, the market is segmented into Banks, Non-Banking Financial Institutions, and Micro Finance Institutions. Microfinance institutions (MFIs) are projected to hold the largest market share during the forecast period. MFIs are being recognized for their specialized focus on serving low-income clients and their ability to reach remote areas. However, banks are also increasingly entering the microfinance space, leveraging their existing infrastructure and resources to serve this market segment.

Microfinance Market, By End-user

• Small Enterprises
• Micro Enterprises

Based on End User, the market is segmented into Small Enterprises and Micro Enterprises. The micro enterprises segment is estimated to dominate the market. Microfinance is particularly effective in supporting micro-enterprises, which often lack access to traditional banking services. These enterprises, which include small-scale traders, artisans, and farmers, are being seen as key drivers of economic growth and job creation in developing economies.

Microfinance Market, By Geography

• Asia Pacific
• North America
• Europe
• Rest of the World

Based on Geography, the microfinance market is classified into Asia Pacific, North America, Europe, and the Rest of the World. The Asia Pacific region is estimated to dominate the market during the forecast period. This dominance is being attributed to the region's large unbanked population, supportive government policies, and the rapid adoption of digital financial services. Countries like India, Bangladesh, and Indonesia are being seen as key markets driving growth in the region.

Key Players

• The "Microfinance Market" study report will provide valuable insight with an emphasis on the global market. The major players in the market are Bandhan Bank, Bank Rakyat Indonesia, BRAC, Compartamos Banco, Grameen Bank, ASA, SKS Microfinance, Al Amana Microfinance, Accion International, and Access Bank.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.

• Microfinance Market Recent Developments
• In December 2023, Grameen Bank launched a new digital platform to streamline loan applications and disbursements, aiming to reduce processing times and improve customer experience. In October 2023, BRAC announced a partnership with a major tech company to develop AI-powered credit scoring models, which are expected to improve risk assessment and expand access to microfinance services. In August 2023, Accion International introduced a new micro-insurance product targeting small-scale farmers, which is designed to protect against crop failures due to climate change.

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL MICROFINANCE MARKET

• 1.1 Overview of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL MICROFINANCE MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porter's Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL MICROFINANCE MARKET, BY TYPE

• 5.1 Overview
• 5.2 Group Lending
• 5.3 Individual Lending

6 GLOBAL MICROFINANCE MARKET, BY PROVIDERS

• 6.1 Overview
• 6.2 Banks
• 6.3 Non-Banking Financial Institutions
• 6.4 Micro Finance Institutions

7 Microfinance Market, By End-user

• 7.1 Small Enterprises
• 7.2 Micro Enterprises

8 GLOBAL MICROFINANCE MARKET, BY GEOGRAPHY

• 8.1 Overview
• 8.2 North America
  • 8.2.1 U.S.
  • 8.2.2 Canada
  • 8.2.3 Mexico
• 8.3 Europe
  • 8.3.1 Germany
  • 8.3.2 U.K.
  • 8.3.3 France
  • 8.3.4 Italy
  • 8.3.5 Spain
  • 8.3.6 Rest of Europe
• 8.4 Asia Pacific
  • 8.4.1 China
  • 8.4.2 Japan
  • 8.4.3 India
  • 8.4.4 Rest of Asia Pacific
• 8.5 Rest of the World
  • 8.5.1 Latin America
  • 8.5.2 Middle East and Africa

9 GLOBAL MICROFINANCE MARKET COMPETITIVE LANDSCAPE

• 9.1 Overview
• 9.2 Company Market Ranking
• 9.3 Key Development Strategies

10 COMPANY PROFILES

• 10.1 Bandhan Bank
  • 10.1.1 Overview
  • 10.1.2 Financial Performance
  • 10.1.3 Service Type Outlook
  • 10.1.4 Key Developments
• 10.2 Bank Rakyat Indonesia
  • 10.2.1 Overview
  • 10.2.2 Financial Performance
  • 10.2.3 Service Type Outlook
  • 10.2.4 Key Developments
• 10.3 BRAC
  • 10.3.1 Overview
  • 10.3.2 Financial Performance
  • 10.3.3 Service Type Outlook
  • 10.3.4 Key Developments
• 10.4 Compartamos Banco
  • 10.4.1 Overview
  • 10.4.2 Financial Performance
  • 10.4.3 Service Type Outlook
  • 10.4.4 Key Developments
• 10.5 Grameen Bank
  • 10.5.1 Overview
  • 10.5.2 Financial Performance
  • 10.5.3 Service Type Outlook
  • 10.5.4 Key Developments
• 10.6 ASA
  • 10.6.1 Overview
  • 10.6.2 Financial Performance
  • 10.6.3 Service Type Outlook
  • 10.6.4 Key Developments
• 10.7 SKS Microfinance
  • 10.7.1 Overview
  • 10.7.2 Financial Performance
  • 10.7.3 Service Type Outlook
  • 10.7.4 Key Developments
• 10.8 Al Amana Microfinance
  • 10.8.1 Overview
  • 10.8.2 Financial Performance
  • 10.8.3 Service Type Outlook
  • 10.8.4 Key Developments
• 10.9 Accion International
  • 10.9.1 Overview
  • 10.9.2 Financial Performance
  • 10.9.3 Service Type Outlook
  • 10.9.4 Key Developments
• 10.10 Access Bank
  • 10.10.1 Overview
  • 10.10.2 Financial Performance
  • 10.10.3 Service Type Outlook
  • 10.10.4 Key Developments

11 KEY DEVELOPMENTS

• 11.1 Service Type Launches/Developments
• 11.2 Mergers and Acquisitions
• 11.3 Business Expansions
• 11.4 Partnerships and Collaborations

12 Appendix

• 12.1 Related Research